ADD INVESTMENTS, INSURANCE & MORTGAGES
Protect What Matters Most
You can't predict the future, but you can protect your family. It's an essential part of your financial well-being. It provides financial security for those you love and can give you peace of mind. Karen, a Registered Retirement Consultant, Financial Planner, and Independent Insurance Agent, offers unbiased advice tailored to your needs. She will explain insurance benefits and help you choose the proper coverage. If you intend to purchase a policy, there’s no cost for these sessions.
What coverage meets your needs?
Life insurance to protect you at any stage:
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"Term" for temporary coverage and mortgage protection.
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"Participating" for lifelong protection and cash values.
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"Universal" for flexible, tax-preferred investment options.
Plans to safeguard your lifestyle and finances so you can focus on recovery:
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Critical Illness
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Income replacement & Disability Insurance
For life's extras:
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Health, Vision, and Dental Personal Health Plans
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Travel Insurance
Choose guarantees:
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Segregated Funds for Investment Growth & Private Wealth Transfer
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Annuities for Income
BMO
Beneva (SSQ)
Canada Life
Canada Protection Plan
Foresters Financial
Desjardins
Empire Life
Equitable Life
Industrial Alliance
Ivari
Manulife
RBC
Sunlife
You choose how much insurance you need. The younger you are, the lower the cost of your premium, no matter what type of coverage you select. You can change your insurance as your needs change. We will explore add‑ons and riders that fit your unique needs. Consider renewing to meet retirement or estate planning needs. Take the time to get coverage that works for you.
Did you know life insurance:
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Provides a Tax-Free Death Benefit.
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Covers your financial commitments like a mortgage.
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Helps your family maintain their standard of living.
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Covers death-related expenses.
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Tops up your employer's coverage.
AND ...
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A Cash Value for future needs.
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Ensure business continuity.
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Wealth accumulation for tax deferral.
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Optimized retirement and estate planning tools!
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Low-cost investing with the expertise you deserve.
To deliver a comprehensive financial experience, I partner with Justwealth, an investment management firm that combines sophistication with accessibility. You work with me to create your financial plans while Justwealth takes care of your Non-Registered, RRSP, TFSA, FHSA, RESP, and LIRA portfolios. This approach enables you to benefit from top-tier, award-winning, low-cost investment management alongside personalized financial planning and coaching.
The reduction in fees can save you thousands over a lifetime of investing.
Justwealth Named Best Overall Robo Advisor by MoneySense for 2024!
“Justwealth wins best robo-advisor in Canada because, unlike most of its competitors, it assigns clients a dedicated personal portfolio manager.”
"When you combine Justwealth’s competitive fees with their elite commitment to personalized financial advice AND top-performing investment strategy, you get the best robo advisor in Canada." August 19, 2024/Kyle Prevost https://milliondollarjourney.com/justwealth-review.htm
How do they keep their fees so low?
This online wealth management company lowers the high costs typically linked with traditional firms by utilizing a friendly team of experts and a self-directed approach. You can access your accounts anytime, and I'm here to help! To learn more, visit the website of Karen & Justwealth.
Is Your Portfolio Managed the Way You Want?
I understand the uncertainty when your investment portfolio does not align with your approach. You appreciate the support of your family in the past, and now you are looking for a way to move forward with confidence. It may be time for a review if you're not satisfied with the current management style. Justwealth’s Portfolio Review Service offers expert insights on how your investment portfolio is structured and how to adapt to ETFs — at no cost to you!
MORTGAGES
For a seamless process, you will work with a Mortgage Specialist and Karen Fenske.