Business Details
50+ Years
experience
Trusted Insurance and Retirement Planning Solutions
Founded in 1975, Lawrence Joseph Associates provides client-focused insurance and retirement planning solutions. As an independent brokerage, we source competitive products from major Canadian insurance carriers to create tailored plans for individuals and businesses. Our expertise spans life insurance, critical illness coverage, long-term care, disability insurance, group benefits, RRSP strategies, and estate planning.With over 45 years of experience, we prioritize asset protection through prudent investment strategies, including GICs, annuities, and segregated funds. Our team addresses gaps in existing plans and offers tax-efficient solutions for RRSP/RRIF funds. We serve clients in Westmount and surrounding areas, combining personalized service with comprehensive financial expertise to help achieve long-term security goals.
Services
Wealth Management
Retirement Planning
Life Insurance
Group Benefits
Critical Illness Insurance
Long-Term Care Insurance
Disability Insurance
Estate Planning
Details
- Year established: 1975
Highlights and features
- We offer independent brokerage access to major Canadian insurance carriers
- Our team creates tailored financial plans addressing specific client needs
- Over 45 years of combined experience in insurance and retirement strategies
- We provide tax-efficient investment solutions for RRSPs and estate planning
- Competitive group benefits packages with volume discounts available
Services
Wealth Management
Our wealth management services focus on preserving and growing client assets through strategic investment planning. We offer GICs, annuities, and segregated funds tailored to individual risk profiles. Our tax-efficient strategies ensure capital preservation for heirs while minimizing estate taxes.
Retirement Planning
Specializing in RRSP and RRIF optimization, we create personalized retirement plans considering tax implications and estate goals. Our solutions include insured annuities that boost cash flow while guaranteeing capital returns to beneficiaries tax-free.
Group Benefits
We design comprehensive employee benefit packages including health, dental, life, and disability coverage. Our partnerships with major Canadian providers enable competitive pricing and online administration tools for employers and plan members.
Life Insurance
Offering both individual and corporate life insurance solutions, we match clients with policies that meet protection needs and estate planning goals. Our independent status ensures access to multiple carriers for optimal cost-efficiency.
Critical Illness Insurance
This coverage provides lump-sum payments for diagnosed critical illnesses like cancer or heart disease. We help clients select appropriate coverage amounts and policy terms to protect against major health-related financial risks.
People
Lawrence Joseph
Owner and President
With over 45 years of experience since 1975, Lawrence Joseph established the firm in 1985. He specializes in insurance and investment advice, focusing on tax-efficient retirement strategies and comprehensive risk management solutions for clients.
Gary Silverman
Working closely with Lawrence Joseph, Gary Silverman provides up-to-date insurance and tax planning programs. He collaborates on developing customized financial strategies that address evolving client needs and market conditions.
Questions
What insurance products do you offer?
We provide life insurance, critical illness coverage, long-term care, disability insurance, and group benefits packages tailored to individual and corporate needs.
How do you help with retirement planning?
Our RRSP strategies include GICs, annuities, and segregated funds. We specialize in tax-efficient solutions that maximize retirement income and protect assets for heirs.
Do you serve businesses as well as individuals?
Yes, we offer group benefits packages for employers and provide corporate life insurance solutions alongside our individual financial planning services.
Are you affiliated with specific insurance providers?
As an independent brokerage, we work with all major Canadian insurance carriers to ensure competitive pricing and comprehensive coverage options for clients.
What areas do you serve?
Based in Westmount, Quebec, we serve clients throughout Quebec and provide nationwide insurance solutions through our carrier partnerships.
