Johanna Balbiran - Advisor, Sun Life

10/11/2026

Happy Thanksgiving! Thank you for your continued trust and confidence 🥰

This week we want to express our gratitude to the Clients who place their trust in us.

Thank you for allowing us to be part of your journey, your goals and the moments that matter most. It’s a privilege to support you and your family, and we're grateful for the relationships we've built along the way.

Thank you for your continued trust and confidence.

10/06/2026

A clear beneficiary designation can help, big time 🥰

Your RRSP doesn't disappear after death, but what happens to it depends significantly on your beneficiary designations and how the account is set up. If you've designated a beneficiary, the process can be more straightforward.

If you've designated a beneficiary: The funds are typically paid directly to that person, which can make the process more straightforward and may help avoid additional probate fees.

If you haven't designated a beneficiary: The funds in your RRSP become part of your estate and typically go through probate.
Each path has different implications for taxes, timing, and administrative effort. And while the details can feel complicated, reviewing your current setup doesn't have to be overwhelming.

Swipe through to see how different beneficiary designations work and what happens in each scenario.

When you're ready, we're here with guidance and resources to help you move forward. 💙 https://spr.ly/6188BGvkCy

09/08/2026

My mission as a financial advisor is simple: help every Canadian move closer to their goals—one simple step at a time. 🇨🇦❤️

Financial planning doesn’t have to be complicated or overwhelming. I believe in breaking things down, simplifying the choices, and creating a plan that makes sense for you—your goals, your family, and your future.

Being a financial advisor isn’t just about numbers, policies, or investments. It’s about people. It’s about listening, understanding what truly matters to you, and putting your best interests at the heart of every recommendation.

I may not have all the answers on day one, but I promise to listen, learn, and work alongside you to find the right solutions for your unique situation.

Because behind every financial plan is a person with a dream.
And I’m here to help you make that dream a little more achievable. ✨

Simple advice. Genuine care. Your goals at the heart of it all.

Message me and let’s get you closer to your goals. ❤️

09/03/2026

How much do you know about TFSAs?

Does income change how much TFSA room you get each year?

Comment A, B, or C. We’ll reveal the answer in our Stories and save it to our Test Your Knowledge Story Highlight on Instagram.

08/19/2026

TEAM APPRECIATION 🤍✨

Great things don’t happen without people who support you behind the scenes.

A special thank-you to my two amazing admin ladies who help keep everything organized, moving, and on track. Your dedication, patience, and support make such a big difference—not only in the work we do, but in serving our clients better.

As a little appreciation for everything you do, this is our time to pause, relax, recharge, and enjoy. 🌿🧖‍♀️

Your work may often happen behind the scenes, but your contribution never goes unnoticed.

Thank you for being an important part of the team.
Here’s to more growth, more success, and more moments to celebrate together! Cesaria Ongteco Charity Churchill Tan

07/28/2026

🎁 What if the most valuable gift you leave your grandchild isn’t a toy, money, or jewelry… but a lifetime of protection? ❤️

Birthdays come and go. Toys are outgrown. Clothes no longer fit.

But a Life or a Critical Illness Insurance policy can be a gift that grows with them.

🌟 It can help:
• Protect their future from an early age.
• Lock in coverage while they’re young and healthy.
• Build long-term value, depending on the policy.
• Give them a financial foundation for life’s biggest milestones.

Imagine your grandchild looking back years from now and realizing that one of the greatest gifts they ever received was the peace of mind and opportunity you gave them.

Because true love isn’t just about today—it’s about caring for tomorrow.

💛 A life or a critical illness insurance policy isn’t just a gift. It’s a legacy.

07/18/2026

Building your future starts with protecting what matters most. 💛

Why choose one when you can have both?

✔️ Term Life Insurance for your family’s immediate financial needs
✔️ Permanent Life Insurance to help build a lasting legacy
✔️ Enjoy 10% off your Permanent Life Insurance premiums for as long as you keep both eligible policies—real savings that can add up over time.

Secure today while planning for tomorrow.

⏳ Bundle offer ends July 31, 2026. Terms and conditions apply.

Learn more: https://www.sunlife.ca/en/offer/insurance-bundle/?WT.mc_id=en-ca:social:networks:facebook:bundlelsterm:bundlelsterm

Building a future? Bundling Term + Permanent Life can help you feel steady.

✔️Term insurance for your family's immediate needs
✔️Permanent insurance for your long-term legacy
✔️10% off your Permanent Insurance premiums the entire time = real savings

Bundle offer ends July 31, 2026. Terms and conditions apply. Learn more: https://www.sunlife.ca/en/offer/insurance-bundle/?WT.mc_id=en-ca:social:networks:facebook:bundlelsterm:bundlelsterm

07/09/2026

Permanent or Term Life Insurance? Here’s the difference—in a nutshell.

07/01/2026

Happy Canada Day! 🇨🇦

06/26/2026

Statistics show that we’re living longer—but living longer doesn’t always mean living healthier.

A serious illness can happen unexpectedly, bringing emotional, physical, and financial challenges. That’s why planning ahead matters.

Protect yourself and your loved ones with Critical Illness Insurance. For a limited time, eligible plans are available with 25%–50% premium discounts.

Don’t wait until it’s too late. Get protected today and gain peace of mind for tomorrow.

📩 Send me a message to learn more or see if you qualify.

What would you do with a tax-free lump sum of money when you need it most? 💛

Our Critical Illness Insurance covers 26 life-altering illnesses. And right now? You get a premium discount:

✅ Adult coverage: 25% of first year's premiums
✅ Child coverage: 50% of first year's premiums

Use the tax-free lump sum for:
Mortgage payments while you recover? ✓
Childcare help? ✓
Innovative treatments? ✓
Whatever YOU need ✓

Offer ends July 31, 2026 ⏰

Terms and conditions apply. Tap to explore how much you could save: https://ow.ly/oY0L50ZbXcf.