Jim Mullen - Primerica Representative

Jim Mullen - Primerica Representative Primerica is a leading provider of term life insurance. Contact our office today for more information about how we can help you.

Working to help families become financially independent, Primerica is a Main Street company for Main Street families.

02/25/2021

Just a note on life insurance sickness and disability. Generally , the major bread winner carries the usual insurance with the stay at home spouse carries little or none ( the spouse that manages the children and perhaps the families financing , meal preparation and many other tasks. Always remember , it is best to carry some disability insurance to help pay somebody else to come and do those daily family management tasks. Always best to sit down with an insurance agent and review the best plan for you family. I can help you with this.

02/25/2021

Ok folks 2 biggy no- brainers about increasing wealth and creating financial freedom. 1 ) pay yourself first and 2) reduce your government taxes payable. The deadline is March 1st to have RRSP paper work signed and sealed. I can help you with this. CALL ME , message me , email me or just track me down. This is to reduce your tax liability for the 2020 tax season. Whether you are a growthy investor or conservative we have great funds for every investor and that includes seg funds that protect original principle investments of up to 75 percent and a guaranteed death benefit of no less than 75 percent of principle. Call and ask about what may be best for you

01/24/2021

It is said that one of the greatest threats to wealth is poor health. Save and plan for the future because no one is guaranteed a healthy tomorrow.

01/18/2021

Just a note on risk
One’s risk tolerance can be best described as their willingness and also, their ability to bear risk. When folks understand how risk is measured and mitigated than optimum returns based on the client’s risk perimeters can be achieved. For example , willingness to accept risk is an emotional subjective feeling that is difficult to quantify but under certain circumstances can be validated.
However , ability to bear risk is more easily quantified. Such as a ) do you have a 3 to 6 month emergency fund set aside b) how much do you have set aside for retirement c ) is your job secure and how much do you make d ) do you have a pension or trust fund e )what is your time horizon and most folks have multiple time horizons and last bit not least are liquidity issues for shorter term horizons.
It is your money. Invest it wisely.

01/18/2021

Hi all
So the last of February is approaching fast , the deadline for RRSP contributions to reduce your 2020 tax burden. Reducing and minimizing taxes must be the cornerstone of any wealth management program especially for younger folks so get in touch with me and we can can decide whether a RRSP is best for you.

01/18/2021

Generally , with investing , the more risk one chooses to accept the higher the rate of return is over a longer period of time. As sunshine can be regarded as a natural disinfectant , time is a natural way of reducing risk with your equity investments. It is important to understand risk but more important to match a person’s risk profile with the best investments using historical returns with standard deviation. As always , your money represents your time and independence. Let’s get started.

01/18/2021

Hi all
Remember wealth management is more than just sitting down with a client once a year and going through the motions. It’s really about a client’s centred approach ; an approach that creates a comprehensive understanding of each client and their own special needs. My role is to help you set objectives and to achieve your goals.

01/05/2021

Hi all
Reducing taxes owing in 2020 should be the number one goal for most earners. Contributing to a registered retirement savings plan is the easiest and most effective way to do that and the deadline for contributing to reduce your 2020 tax load is the end of February. Check your CRA account to see what your contributing limit is.
For 2021 the TFSA contribution limit is again 6000 dollars. Contributions are not tax deductible but investments can grow tax free. Withdrawals may be made at any time with no tax consequence

12/14/2020

Reminder:
To qualify for the2020 Canada Education Savings Grant ( CESG ) contributions must be made to your RESP before the end of December. There is no limit on the contribution but the federal government will provide a direct grant to an RESP of 20 % of the first $2500 of annual contribution.

Courses that I have completed to meet regulatory requirements and to be better equipped to meet your financial needs
12/05/2020

Courses that I have completed to meet regulatory requirements and to be better equipped to meet your financial needs

12/05/2020

Hi all
RRSP season is coming up. While it is preferable to DCA your RRSP contributions ( dollar cost average ) a one time contribution to your RRSP each year is a must to reduce your taxes and allow your money to grow using the ‘ magic ‘ of compound interest. Plan your contribution now with either savings or an RRSP loan ( I can assist in determining whether a loan is best for you ). Always remember , money represents your time and your independence. Allow the ‘ magic ‘ of compound interest and capital appreciation to meet your life’s goals.

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545 Main Street
Kentville, NS
B4N1L4

Telephone

+19022458377

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