Frequently asked questions

An initial consultation is always free and there's no obligation. For most insurance and registered investment products, I'm compensated by the provider when you take up a policy or plan, so my guidance generally costs you nothing extra.

Going direct ties you to one company's products. As an independent advisor I compare many of Canada's top providers and recommend the best fit — usually saving you money and always giving you more choice, at no extra cost.

I'm licensed in Ontario, British Columbia and Alberta, and work with clients across the Greater Toronto Area and the rest of Canada — both in person and remotely by phone or video.

Yes — that's a real advantage of working with me. I coordinate your protection and your savings so the whole plan works together, with a single point of contact for everything.

Just reach out by phone, email or the contact form. We'll have a short, free conversation about your goals, and I'll outline your options. There's never any pressure to proceed.

The visa requires valid emergency medical coverage from a Canadian insurer that meets the government's minimum amount, lasts at least one year, and covers healthcare, hospitalization and repatriation. I only quote policies that meet these rules.

Neither is universally better. Term gives you the most coverage for the lowest cost during your working years; whole life lasts forever and builds value. Many families use a mix. I'll show you both, costed for your situation.

Contributing $2,500 per child each year captures the maximum $500 annual grant. If you started late, you can catch up on one prior year's grant at a time. I'll map out a schedule for you.

It depends on your income and goals. Higher earners often favour the RRSP for the deduction; the TFSA shines for flexibility and tax-free withdrawals. Most people benefit from using both, and I'll help you balance them.

Group coverage is a great start but often ends when you leave the job, may be taxable, and can be capped. A personal policy fills the gaps and stays with you. I'll review your group plan first.