Sean Mulder - Broker - Insurance & Investments

06/04/2026

Just out here saving businesses money and helping them keep more in their pocket as someone who has learned valuable lessons the hard way!

05/19/2026

Most contractors are losing money without realizing it!

They typically fall into one of two categories:

1 - They’re overspending on benefits for their team and worse losing money on unused amounts. Only to have rates go up the following year

Or

2 - They Don’t have any benefits because they’re a small team and they have thought benefits are just not affordable.

What if I told you there’s a way you can control costs which means more $$ to your bottom line AND you could have better employee retention. Would you be open to that discussion?

Let’s have a call and see how much you could save!

05/05/2026

How many times have you seen someone raising money for a family who just lost a loved one? What if there was an affordable alternative that meant your family wouldn't have to worry about finances while grieving?
Let’s get you a No Obligation Quote!

04/29/2026

Overpaying usually isn’t the problem.

Not knowing you are… is.

A quick review could mean a few things:
Lower premiums
Better coverage
More control

Or… confirmation you’re already set (which is a win too).

Either way, you’ll know!

Send me a quick message and I’ll take a look for your peace of mind!

04/22/2026

Hiring is hard. Keeping great people is harder.

Most benefit plans waste money.

What if unused dollars stayed with the employee? or better yet, built your companies future instead?

It's worth a look. Let’s see what's possible together!

12/25/2025

Today means different things to different people.

For some, it’s a holiday filled with traditions, family, and a full house.
For others, it’s a quiet day, a workday, or simply another Wednesday in December.

However you’re spending today, we hope it brings a moment of peace, rest, or clarity.

As the year winds down, we’re grateful for the trust you've placed in me to help protect what matters most.

Wishing you a peaceful day and a steady close to the year.

12/21/2025

I don’t share this nearly as often as I should, so here it is 👇

This is my Everyday Spending Neo account.

Not a credit card.
This is where my groceries, gas, and daily spending live.

Over the last year and change, it’s earned me $678 in cashback.
December especially hits different when groceries, travel, and gifts pile up.

Zero fees.
I average about $30 a month back just for spending money I was already going to spend.

Same spending.
More money staying in your pocket.

If your chequing account is paying you nothing, this is a simple upgrade.

👉 https://card.neofinancial.com/product-referral?utm_medium=Ambassador_FA&utm_source=Experior&skip_intro=true&nf_cv=JG2492ED&nf_ac=25EV

Little optimizations like this quietly add up over time.

Neo Financial™ is shaping the future of how Canadians spend, save, and earn. Join now and discover a modern way to manage your money.

11/21/2025

What if your kid’s future down payment was quietly growing in the background… while they’re still losing socks in the dryer?

10/29/2025

I like to review client accounts and see if making adjustments is necessary .. I’d say this client is doing ok .. especially for a relatively conservative approach.

**Middle bar is the last 6months**

When was the last time you heard from your “friend” in the industry? Are they even still working in it anymore ?
More importantly, is your money working this hard?

Let’s review your plan!

10/22/2025

Why a Needs Analysis is the Cornerstone of Smart Insurance Planning (and Why I Won't Always Tell You to Start Over)

Insurance often feels like a guessing game: How much is enough? Is this policy still relevant?

That's where a comprehensive Needs Analysis comes in. It's not just a sales tactic; it's a vital diagnostic tool that looks at:
- Your current financial obligations (mortgage, debts, education goals).
- Your existing assets (savings, investments, current coverage).
- The gap between what your family would need to maintain their lifestyle and what they currently have in place if the worst were to happen.
It provides clarity, prevents over-insuring (wasting money), and ensures you're not critically under-insured.

My Personal Philosophy:
I often hear the concern: "If I meet with an advisor, they'll just tell me to replace everything I have."
Here's the anomaly: I won't.

If you have a policy that's been in place for years (especially older, guaranteed policies), that low premium is a major asset! Insurance premiums, by and large, do not decrease over time; they only get more expensive as you age.
If your needs analysis shows a gap, my first recommendation is usually to build upon your existing foundation, not dismantle it. We'll leverage that low-cost, long-standing coverage and use new, strategically placed coverage to fill the deficit.

Let's review your current situation and make sure your coverage is working as hard as you are.