You cannot plan for everything, but you can do your best to prepare for all of life's variables with the right insurance and financial advisor. At Integral Financial Services Inc. our goal is to help our clients achieve financial peace of mind under any circumstance.
As I write this, I was reminded that we have had a long association, first through Jim Wardlaw whom Alan and I met in the early 80's and then when he and you formed your company and we remained a client of Jim's.Thankfully, we learned it was never too early to think of our retirement. I am still collecting small amounts from 3 annuities taken out in the 80's at 12% plus interest.
As I write this, I was reminded that we have had a long association, first through Jim Wardlaw whom Alan and I met in the early 80's and then when he and you formed your company and we remained a client of Jim's.Thankfully, we learned it was never too early to think of our retirement. I am still collecting small amounts from 3 annuities taken out in the 80's at 12% plus interest.
Services
Meet the Team
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However, unless you're trained in finance, creating financial independence can be a difficult and an ultimately unsuccessful endeavor. A financial advisor with the proper training and credentials can be the lighthouse that you follow on your journey of creating and preserving your wealth. At Integral Financial Services Inc. the advisors have decades of experience.
Estate Planning
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Estate planning is done to prepare families for the financial circumstances when a loved one passes away. Generally, it is the Will that will direct what happens at that point; however, the vast majority of estate plans also include a simple Power of Attorney to deal with property issues if an individual becomes disabled and can no longer handle his or her own finances.
Insurance
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This is not something that we generally think about or voluntarily purchase. Canadian insurers have hundreds of product options which can make finding the right solution confusing to say the least. The best advice that we can provide is first, to determine what your need is for Life Insurance. The second suggestion is to find a Qualified Life Insurance Advisor who can assist you with going through the maze and finding the right solutions for you.
Investments
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An RRSP is a retirement savings plan that you establish, that is registered with the Canada Revenue Agency, and to which you or your spouse or common-law partner contribute. Deductible RRSP contributions can be used to reduce your tax. Any income you earn in the RRSP is usually exempt from tax as long as the funds remain in the plan; you generally have to pay tax when you receive payments from the plan.
Living Benefits
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These days, thanks to advances in the medical field, you're much more likely to suffer a critical illness and live, than you are to die suddenly - which means financial hardship is likely what will be left behind. Many individuals wonder if they really need an individual disability insurance policy, believing there are other sources they can rely on to provide replacement income in the event of a disability.
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