Celina Visser Insurance and Financial Services Broker

Celina Visser Insurance and Financial Services Broker One stop location for your insurance and financial needs. Offering personalized service, expertise, and care.

02/03/2026

You're young and living your best life, no kids, minimal debt, maybe even living the D**K dream. So why is now the best time to buy life insurance?
1. Life insurance increases in price with age; it will never be less expensive than right now.
2. You can have your life insurance paid off before you settle down.
3. You are in good or great health. Most health conditions increase the cost of insurance and may affect your ability to get approved.
4. Because everybody dies one day and that means everyone can benefit from life insurance.
5. You can live your life insurance. Some types of life insurance have cash value that you can access while alive to help fund the things that matter most to you. A down payment on a house, education, cash to open a business, go on your dream vacation, making it through economical hardship such as job loss or illness.

01/21/2026

Do you have an emergency fund?

Many Canadians do not and the problem with this is when you lose your job, furnace fails, roof needs work, car needs unexpected repairs, or the pet needs to see the emergency vet many have to turn to credit. An emergency fund helps prevent getting stuck in the debt trap. Where you solve emergencies with credit, pay it off, only to have your next emergency pop up.

A good emergency fund should aim for 3-6 months of income saved. That you do not access except in the case of a financial emergency. You have to be disciplined this is not money you use for a trip, or to buy something you want. It is for absolute emergency needs only.

01/19/2026

What financial goals did you set for yourself for 2026?

01/05/2026

2026 is here and that means tax season is right around the corner. If you are looking to make a lump sum RRSP contribution to help lower your tax bill now is the time to do it. The deadline this year is March 2, 2026.

01/01/2026

May you have a safe and fun New Year's Eve celebration.

We’re excited for what lies ahead in 2026 and grateful to have you as valued customers. Wishing you a year of success, happiness, and abundance.

12/29/2025

Here are the top 10 most often seen gaps exposed during financial reviews this year in no particular order.
1. Failing to insure a stay at home spouse.
2. Insuring children before the adults were adequately insured.
3. No retirement savings/counting on inheritance for retirement.
4. No emergency fund.
5. Not setting up RESP for your children.
6. A lack of equity in estate planning.
7. Leaving significant money in a savings/chequing account.
8. Not planning for disability or illness.
9. Counting on RRSP as sole money for first time homebuyers.
10. Living above your means.

Are you wondering what gaps exist in your plan?

12/22/2025

Did you know offering employee benefits at your small business increases retention, is a major factor in attracting top talent, and many employees would even choose having benefits over a raise.

12/08/2025

Many Canadians are not insuring their largest asset. It is worth more than their home, car, and likely all their possessions put together. Any guesses what they are forgetting to insure?

12/03/2025

5 tips on how to build an emergency fund that grows.
1. Don't have it at your bank. It is just too easy to transfer between accounts and use it on non-emergency purchases.
2. Don't pick a place that is too convenient to access the funds. If you can do an e-transfer you will be tempted to spend it on non-emergency things.
3. Take advantage of tax advantaged accounts such as a TFSA.
4. Do pre-authorized deposits the day after payday(s).
5. Make it a priority. If saving money is your last goal you are doomed to fail.

December is here and that means tax season is fast approaching. Don't leave your RRSP contributions to the last minute. ...
12/01/2025

December is here and that means tax season is fast approaching. Don't leave your RRSP contributions to the last minute. The deadline this year is March 2, 2026.

A common question we are asked is should I participate in my workplace retirement savings plan?
A: It is best to review your specific plan with your financial advisor.
In general, the answer is yes, you should participate IF they match. If your work is offering you $1 or $0.50 for every $1 you put into the retirement fund up to x amount. It is usually wise to take advantage of that matching and only invest up to that maximum amount they will match to. For anything above and beyond that amount it is usually serving you better invested elsewhere.

Again, your specific situation should be examined with your financial advisor. Don't have one, no problem we can help. Did you know meeting with us to discuss your retirement plan costs you absolutely nothing, zero, zilch.

Address

Guelph
Cambridge, ON

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm

Telephone

+12268940923

Website

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