Your questions, answered.

It's a straightforward 20-minute call. We learn about your situation, answer your questions, and tell you honestly whether and how we can help. There's no pressure and no obligation.

No. Initial consultations are always complimentary.

We work with individuals and families, business owners, and incorporated professionals across British Columbia and Ontario. If you're not sure whether you fit, reach out anyway.

Yes. We are licensed to serve clients in British Columbia and Ontario.

When you go directly to one company, you see only their products. As an independent advisor, we work across multiple insurers and platforms — which means we find what fits you, not what a single company happens to offer.

We are an independent wealth management and insurance advisory practice based in Vancouver, BC. We provide coordinated financial strategies across insurance, investments, retirement, and estate planning.

We are fully independent. We are not captive to any single insurer or investment platform, which means our recommendations are based entirely on your needs.

For insurance products, we receive a commission from the insurer when a policy is placed — at no direct cost to you. For investment management, compensation structure is disclosed clearly before any engagement begins.

We disclose all compensation transparently and recommend only what we genuinely believe serves your situation. If something isn't right for you, we'll tell you.

It depends on your income, debts, dependents, and goals. A common starting point is 10 to 15 times your annual income, but we build a proper needs analysis before recommending any amount.

Term insurance covers you for a specific period — typically 10, 20, or 30 years — and is generally the most affordable option. Permanent insurance covers you for life and can build cash value over time. Most people need one or a combination of both depending on their stage of life.

Often yes. We specialize in working with clients who have been declined or rated by standard insurers. The answer depends on the condition, how it's managed, and which insurers we approach. We build the strongest possible case before submitting anything.

Group disability coverage typically replaces 60 to 70 percent of your income and ends if you leave your employer. A personal policy is portable, often more comprehensive, and designed around your actual income needs rather than a group average.

Critical illness insurance pays a lump sum tax-free if you are diagnosed with a covered condition such as cancer, heart attack, or stroke. Unlike disability insurance, it isn't tied to whether you can work — it's designed to cover the financial disruption that comes with a serious diagnosis.

We work with RRSPs, TFSAs, FHSAs, RRIFs, corporate investment accounts, and non-registered accounts depending on your situation and goals.

We take a long-term, goals-based approach. We don't chase performance or react to short-term market noise. We build portfolios aligned with your timeline, risk tolerance, and tax situation.

Segregated funds are insurance-based investment products that offer guarantees on a portion of your principal, creditor protection in certain circumstances, and estate planning benefits including bypassing probate. They are particularly relevant for business owners and incorporated professionals.

At minimum annually, and whenever your circumstances change significantly — a new job, a business sale, a major life event. We don't wait for scheduled reviews if something important shifts.

Yes — and we prefer it. We coordinate with your accountant, lawyer, and existing advisors to make sure the professionals you trust are informed and onboard.

An IRP uses a corporate-owned life insurance policy to accumulate tax-sheltered cash value inside your corporation. That value can later be accessed in retirement through a policy loan or collateral assignment — often more tax-efficiently than taking a salary or dividend.

Several strategies exist including the Insured Retirement Plan, Corporate-Owned Life Insurance, and Capital Dividend Account strategies. The right approach depends on your corporate structure, timeline, and retirement income needs. We model the options before recommending anything.

A buy-sell agreement is a legally binding contract between business partners that determines what happens to a partner's share if they die, become disabled, or exit. Without one, the remaining partners may not have the liquidity to buy out a departing partner's estate. Life and disability insurance are typically used to fund these agreements.

Key Person insurance protects the business against the financial impact of losing a critical employee or owner. The business owns and pays for the policy, and receives the benefit to cover lost revenue, recruitment costs, or loan obligations.

Quite possibly. A decline from one insurer does not mean all insurers will decline. We assess your situation, gather supporting documentation, and identify the insurers most likely to offer favorable terms for your specific profile.

It can if done carelessly. We never submit an application without first understanding your full history and having a clear view of which insurer is most likely to say yes. A poorly placed application creates a paper trail that follows you.

Simplified issue requires answering a short set of health questions with no medical exam. Guaranteed issue has no health questions at all — coverage is offered regardless of health history, though it typically comes with lower benefit amounts and a graded period before full benefits apply.

A rated policy is a standard policy issued at a higher premium to account for elevated risk. The coverage is real and the policy functions the same way — the insurer is simply pricing in the additional risk. Depending on the condition, ratings can sometimes be reviewed and reduced over time.

We meet at least annually for a full review, and more frequently when your situation warrants it. You have direct access to us — not a call centre — and we proactively reach out when something in the market or regulatory environment affects your plan.

Nothing formal is required. If you have existing policies, a recent investment statement, or a sense of what you're trying to solve, that's helpful — but we can start from scratch if needed.

Yes. We serve clients across BC and Ontario and conduct most of our meetings virtually. In-person meetings are available in Vancouver for those who prefer it.

Our licensing currently covers BC and Ontario. If you're located elsewhere, reach out and we'll let you know whether we can accommodate your situation.