Brian Sabourin - SPM Financial

11/06/2025

“Those who fail to plan are planning to fail.”
A clear retirement plan helps you take the right steps toward your goals. At SPM Financial, we’ll guide you through different scenarios, keep you on track, and help you move forward with confidence.
📧 Email me: [email protected]
📅 Book a meeting: https://lnkd.in/gBjgNw2T

💭 “Do we have enough?”

It’s a question every family asks at some point. But the answer isn’t found in a quick calculation.

It’s about more than money. It’s about timing, priorities, and the life you want to live.
➡️ What if you retire earlier than planned?
➡️ What if you sell the business, help your children now, or decide to make a major lifestyle change?

At SPM Financial, we believe financial clarity comes from seeing the full picture: not just your investments, but how each decision impacts the bigger plan.

That’s why we build comprehensive financial models that help you:
📈 Test “what if” scenarios before making big decisions.
💡 See how your income, taxes, and goals align over time.
📆 Understand how choices today affect what’s possible tomorrow.

The result? A plan that gives you flexibility, direction, and confidence – no matter what life brings.

If you’ve been asking yourself “Do we have enough?” – let’s find out together.

📞 Call us at 519-432-6199 to start building your “what if” plan today.

09/26/2025

👉 *As the saying goes, there’s no such thing as a stupid question. If it’s on your mind, it’s worth asking.*
Please reach out, email me: [email protected]

What it’s really like to work with a financial advisor (at least at SPM).

We hear it all the time:
➡️ “I thought I needed more money to start.”
➡️ “I assumed you’d just try to sell me something.”
➡️ “I was worried I’d feel judged for not knowing more.”

If any of that sounds familiar, you’re not alone. And none of it is true – at least not with us.

Here’s what actually happens when you work with SPM:
🤝 We start by listening – not pitching.
🧩 We help you get clear on where you are and what matters most.
📈 We design strategies around your goals, not generic formulas.
📞 You get real people, not call centres.
📋 And we check in regularly. With us, your financial plan isn’t a one-time exercise.

Whether you're just starting out or managing complex needs, working with a financial advisor shouldn't feel intimidating. It should feel like getting a smart, steady partner on your side – one who helps you make confident, informed decisions.

No pressure. No jargon. Just thoughtful guidance built around you.

09/19/2025

Do you know what’s free? Answers to your questions.
If you’re wondering whether term, whole life, or universal life insurance is the right fit for your situation or curious about potential costs and benefits. Wondering how disability insurance works. Ask me, no pressure, just honest answers to help you make informed decisions.
For example:
You may have purchased a term life insurance policy. Do you know when it renews? What the renewal premium will be? Can it be converted to a whole life policy?
Being informed means avoiding surprises when that premium jumps. If you have questions or want to explore your options, feel free to DM me or email me at [email protected]. I’m happy to help, no pressure, just clear answers.

⏰ The “I’ll get to it later” approach: Why timing matters.

When it comes to life insurance or disability coverage, waiting often feels harmless. You’re healthy now. You’re busy. You’ll get to it later.

But here’s what many people don’t realize:
✔️ Premiums are lowest when you’re young and healthy.
✔️ Every year you wait, the cost goes up – sometimes significantly.
✔️ A change in health can limit your future options, even if it’s temporary.

This isn’t about pressure. It’s about power. The earlier you act, the more control you have over the coverage you get and the cost you’ll pay.

➡️ Protecting your future doesn’t have to be complicated. But it does have to be intentional.

Have questions? We’re here to help you understand your options and build a strategy that fits. No rush, no pressure, just smart planning.

06/24/2024

Do you have a RRSP? TFSA? RESP? FHSA? Are you getting the best bang for your buck? Want a free review of your investments? Your risk tolerance should match your portfolio, does it? Happy to answer any of your questions. Email: [email protected].

The Great-West Life Assurance Company, London Life Insurance Company and The Canada Life Assurance Company have become one company – The Canada Life Assurance Company. Discover the new Canada Life

12/12/2023

The FHSA is a special savings account from the Federal Government. Learn how you can use it to save money, provide tax benefits, and to purchase your first home.

12/12/2023

Looking to start a FHSA? I am happy to answer your questions. Email: [email protected]

The FHSA is a special savings account from the Federal Government. Learn how you can use it to save money, provide tax benefits, and to purchase your first home.

10/27/2023

When buying a home or renewing a mortgage you may be offered mortgage insurance. Compared to life insurance, which one meets your needs?

06/07/2023

Interested in saving for your child's education? The RESP makes the most sense. For every dollar you contribute, the government gives you 20% (Canada Education Savings Grant). Then you get to invest the principle plus the additional 20%, tax deferred, till your child goes to school. The child pays the tax (lower tax bracket, lets income tax required, in many case $0).
If you need more information email me: brian.sabourin@spmfinancial.
The government is giving you free money, why aren't you taking advantage of it. Contribute $100 monthly plus the 20% from government, $120 monthly, estimated return 5%, at the end of the year you will have $1,473 (contribution $1,200, government 20% or $240 and interest of $33). RESP will allow you contribute up to $200 to maximize the Canada Education Savings Grant.

Canadian parents value post-secondary learning but face challenges saving for it, poll suggests

05/05/2023

Are you considering life insurance? If you do not have insurance you should be considering it. In the words of Benjamin Franklin: in this world, nothing is certain except death and taxes".
The best and cheapest time to get insurance is when you are young and healthy.
I can help you navigate the different types and the cost.
Will Rogers said: "A person who dies without adequate life insurance should have to come back and see the mess that was created."

Explore different types of insurance including whole, term, universal, variable, and more. Then you can choose the right plan for you

05/03/2023

Do you need your portfolio reviewed?

Bond yields can once again provide downside protection in a weaker economy

04/28/2023

After taxes are filed, many Canadians look forward to receiving their refunds. Here are some facts and ideas for using your refund wisely.

04/27/2023

Taxes change dramatically for retirees, so it's important to create a plan that limits your tax exposure in the years leading up to retirement.