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Senior Wealth Advisor
As your trusted financial advisor, my objective is clear - to assist you in ensuring a secure financial future for you and your family. After meeting with you and discussing your current objectives I begin developing a plan for your financial future. Produced in consultation with our team of professionals, this strategy lays the foundation to ensure that no matter what happens to the economy, the stock market, or the world, you will feel comfortable and confident in being able to secure your financial future. Our disciplined application of our strategy means you can rely on us to make it happen. Our process will provide answers to these seven questions: Do you know exactly what would happen to your family if you were suddenly not around tomorrow? Do you know exactly what would happen to your family financially if you became disabled, and could no longer work? Will you be helping anyone with a higher education? If so, who? when? And do you have an idea of what it will cost? What about retirement plans? What will you do and how much will it cost to do it? Not just the day after you retire, but 10, 20 and even 30 years later? Are your parents living, and if so will you be expected to contribute to their support at some point? Have you made the provision for the possibility that you may need nursing home or other care, late in your lives? How important is it to you to be able to intervene in the financial lives of your children and grandchildren - while you are still here, as legacies, or both? How do you plan to do it? Or is there an institution that you care deeply about that you would like to leave a meaningful legacy, assuming we could create a highly tax-efficient way for you to do so?
View published source ↗Senior Wealth Advisor
Assuming, as we have to do, that when you are both gone, up to half of your estate will get taxed away, how do you want the tax to be paid? If you want the children to pay the half, might they be forced to sell something you really wouldn't want them to sell? Do you know exactly what would happen to your family if you were suddenly not around tomorrow? Do you know exactly what would happen to your family financially if you became disabled, and could no longer work? Will you be helping anyone with a higher education? If so, who? when? And do you have an idea of what it will cost? What about retirement plans? What will you do and how much will it cost to do it? Not just the day after you retire, but 10, 20 and even 30 years later? Are your parents living, and if so will you be expected to contribute to their support at some point? Have you made the provision for the possibility that you may need nursing home or other care, late in your lives? How important is it to you to be able to intervene in the financial lives of your children and grandchildren - while you are still here, as legacies, or both? How do you plan to do it? Or is there an institution that you care deeply about that you would like to leave a meaningful legacy, assuming we could create a highly tax-efficient way for you to do so? Assuming, as we have to do, that when you are both gone, up to half of your estate will get taxed away, how do you want the tax to be paid? If you want the children to pay the half, might they be forced to sell something you really wouldn't want them to sell?
View published source ↗Becoming A Client
At Assante, we make sure you have all the information you need before making such an important decision as choosing a financial advisor. We provide all prospective clients with a detailed advisor profile, explanation of our services, and a company overview that explains the advantages we offer to our clients. We listen to your goals and dreams, evaluate your current financial situation, then formulate a plan to help you meet those goals. In the end, you will have a plan that addresses all of your needs by providing the most effective solutions for you and your family. To learn more about the benefits of being an Assante client, take a closer look at our customized approach.
View published source ↗Travel Insurance
Manulife Financial offers the following travel insurance options: *Out of province/out of country travel insurance for Canadians *Visitors to Canada travel insurance *Student travel insurance Travelling Canadians can choose from the following options: *Single-Trip Plan: Provides coverage for one trip for the number of days purchased. No age limit but the you will have to answer medical questions if you are over the age of 55. *Quick Trip Plan: Provides coverage for one trip of less than 18 days for those 55-74 years of age. There are no eligibility questions for this option. *Multi-Trip Plan: Provides coverage for an unlimited number of trips during the policy year for the number of days purchased. Options of 4, 10, 18 and 30 day plans. No age limit. *All-Inclusive Plan: Provides several benefits all in one plan. It covers Emergency Medical, Trip Cancellation & Interruption, Baggage Loss, Delay & Damage, Flight Accident and Travel Accident. *Travel Canada Plan: Provides Emergency Medical Insurance if all travel is within Canada at 50% off the regular Single-Trip Emergency Medical Plan rates. *Trip Cancellation/Interruption Plan: May be purchased as part of an All-Inclusive Plan or separately. If purchasing separately, must be purchased within 8 days of booking your travel plans. Click here to purchase Manulife Travel Insurance for out of province or out of country travel. Emergency Medical Insurance for Visitors to Canada is ideal for: *Visitors to Canada *Canadians who are not eligible for benefits under a government insurance plan *Persons who are in Canada on a work visa *New immigrants who are awaiting government health insurance plan coverage Click here to purchase Visitor's to Canada Insurance from Manulife Financial. Student Travel Insurance offers: *Up to $1 million for emergency medical and non-medical coverage for covered risks *Available to Canadian students studying abroad or out of province and International students studying within Canada. Click here to purchase Student Travel Insurance from Manulife Financial.
View published source ↗Critical Illness Protection
It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000 - 50,000 strokes in Canada each year. An estimated 3,075 Canadians will be diagnosed with cancer every week. An estimated 55,000 - 75,000 Canadians have Multiple Sclerosis. Sources: Heart and Stroke Foundation 2006; National Cancer Institute of Canada; Canadian Cancer Statistics 2007; Multiple Sclerosis Society of Canada 2006 Advances in medical science and increasing life expectancies mean you have a better chance of surviving a critical illness.However, a critical illness often brings overwhelming medical and financial burdens on you and your family. Critical illness insurance can offer you: Financial protection, Access to the medical services provided by Best Doctors®, Counselling and support services Critical Illness Insurance pays you a lump-sum benefit which is usually payable 30 days after the diagnosis of a covered critical illness, as defined in the policy. Critical Illness features and options: Lump-sum benefit of $10,000 to $2,000,000 Second event option Functional Dependence Premium payback options Payment, term and coverage options for you and your family - including children Insurance products and services are provided by Assante Estate and Insurance Services Inc. It is estimated there are over 70,000 heart attacks in Canada each year. There are between 40,000 - 50,000 strokes in Canada each year. An estimated 3,075 Canadians will be diagnosed with cancer every week. An estimated 55,000 - 75,000 Canadians have Multiple Sclerosis. Financial protection, Access to the medical services provided by Best Doctors®, Counselling and support services Lump-sum benefit of $10,000 to $2,000,000 Second event option Functional Dependence Premium payback options
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