Jojelyn Del Rosario-Independent Insurance Broker

06/15/2026

06/14/2026

🕊️ A Final Gift of Love: Funeral Expense Insurance ❤️

No family should have to worry about finances while grieving the loss of a loved one.

Funeral Expense Insurance is designed to help cover final expenses, easing the financial burden on those you care about most.

✅ Funeral and burial costs
✅ Memorial service expenses
✅ Outstanding bills and final expenses
✅ Affordable coverage options
✅ Peace of mind for you and your family

A difficult time becomes even harder when loved ones are left with unexpected costs.

Planning ahead is an act of love, care, and responsibility.

💙 Protect your family from financial stress and give them one less thing to worry about.

📩 Message me to learn more about affordable Funeral Expense Insurance options.

🌐 jojierosario.com

"A thoughtful plan today can be a lasting blessing for your family tomorrow."

06/13/2026

💰 Four Powerful Accounts Every Canadian Family Should Know About 🇨🇦

Building a strong financial future starts with using the right tools.

📈 RRSP (Registered Retirement Savings Plan)
✅ Save for retirement
✅ Tax-deductible contributions
✅ Potential tax savings today
✅ Investments grow tax-deferred

💵 TFSA (Tax-Free Savings Account)
✅ Tax-free growth
✅ Tax-free withdrawals
✅ Flexible savings for any goal
✅ Great for short- or long-term investing

🏡 FHSA (First Home Savings Account)
✅ Designed for first-time home buyers
✅ Tax-deductible contributions
✅ Tax-free withdrawals for a qualifying home purchase
✅ Combines benefits of an RRSP and TFSA

🎓 RESP (Registered Education Savings Plan)
✅ Save for a child's education
✅ Government grants may help boost savings
✅ Tax-deferred growth
✅ Helps reduce future student debt

No matter your goal, retirement, a first home, your children's education, or building wealth, there's a registered account designed to help you get there.

The best time to start was yesterday. The next best time is today.

📩 Let's discuss which account fits your goals and how to maximize your savings.

🌐 jojierosario.com

💙🇨🇦📈🏡🎓

06/13/2026

PLAN FOR A SECURE FINANCIAL FUTURE

Not sure where to save your money?
RRSP, TFSA, RESP, FHSA… 🤔💼

RRSP – Registered Retirement Savings Plan

Thinking long-term? This is your retirement foundation.

✔ Contributions reduce your taxable income
✔ Investments grow tax-deferred
✔ Withdraw later (taxed in retirement)

Bonus uses:
🏠 Home Buyers’ Plan (up to $35,000)
📚 Lifelong Learning Plan

👉 Best when your income (and tax rate) is HIGH today.

💰 TFSA – Tax-Free Savings Account

The MOST flexible account.

✔ Tax-free growth
✔ Tax-free withdrawals
✔ Use for ANY goal (travel, emergency, investing)
✔ Contribution room comes back after withdrawal

👉 Perfect for:
✔ Short-term goals
✔ Emergency funds
✔ Long-term investing

🎓 RESP – Registered Education Savings Plan

Invest in your child’s future 📚

✔ Government adds 20% (CESG)
✔ Up to $7,200 FREE per child
✔ Tax-deferred growth

👉 Withdrawals are taxed in the child’s hands (usually low tax)

💡 Education = smarter, more affordable future.

💡 RESP Rules You Should Know

If you withdraw:

👉 Your contribution
✔ You can take it anytime
❌ Grants may be returned if child not in school

👉 If child is in school
✔ Grants + growth can be used (EAP)

👉 Non-education withdrawal
❌ Grants returned
⚠️ Earnings taxed + penalty

🏠 FHSA – First Home Savings Account

Dreaming of your first home? This is for YOU.

✔ Tax-deductible contributions
✔ Tax-free withdrawal for your first home
✔ $8,000/year | $40,000 lifetime
✔ Must be a first-time home buyer

👉 Best part:
It’s like combining RRSP + TFSA in ONE account.

💡 Perfect if you’re planning to buy your first home in the next few years.

✨ Which account is RIGHT for you?

There’s no one-size-fits-all strategy.
It depends on your:
✔ Income
✔ Goals
✔ Family situation

📩 Let’s build your plan together.

Jojelyn Del Rosario
📞 506-624-4059
📧 [email protected]

06/13/2026

💡 Why Critical Illness Insurance Matters More Than You Think
Life can change in an instant. A serious illness doesn’t just affect your health, it can impact your income, savings, and your family’s future.
👉 Here’s why you need Critical Illness Coverage:
❤️ 1. Protect Your Income
If you’re unable to work due to a serious illness, how will you pay your bills? This coverage gives you a lump sum payment to replace lost income.
🏥 2. Focus on Recovery, Not Finances
Instead of worrying about money, you can focus on healing and getting better.
💊 3. Cover Expenses Not Paid by Healthcare
Even in Canada, there are costs like medications, travel, private care, or time off work that add up quickly.
🏡 4. Keep Your Lifestyle Intact
Mortgage, rent, groceries, life doesn’t stop. This helps you maintain your lifestyle during tough times.
👨👩👧 5. Protect Your Family
Your loved ones won’t have to carry the financial burden while you recover.
⚠️ The truth is:
Many people are more likely to experience a critical illness than pass away early, yet they are more prepared for death than illness.
Don’t wait until it’s too late. Be prepared.

Let’s connect! Click the link below to book an appointment.

https://link.jojierosario.com/widget/booking/7EA4xhR69OhRjNNgRjAj?event_id=MJssm6KtmhwG8Q5UQgMh&fbclid=IwY2xjawRHXEpleHRuA2FlbQIxMABicmlkETFBV3h5MUVYbzJXWmV5aFhoc3J0YwZhcHBfaWQQMjIyMDM5MTc4ODIwMDg5MgABHoEUwQT_dMFZZm2qO7d36IY1ZX9aVG7L7LnTtyQOaneEqPicgrvytWjK9nge_aem_8LpYjaT2mlbiNnq99LYyzA

06/12/2026

✈️ Travel with Confidence. Travel with Protection. 🌎

Excited about your next trip?

Before you pack your bags, make sure you're protected from unexpected travel surprises.

🛡️ Travel Insurance can help cover:

✅ Emergency Medical Expenses
✅ Trip Cancellation or Interruption
✅ Lost or Delayed Baggage
✅ Flight Delays
✅ Travel Emergencies

Whether you're traveling across Canada or exploring the world, travel insurance provides peace of mind so you can focus on making memories.

Don't let the unexpected ruin your adventure.

📩 Message me for a travel insurance quote before your next trip!

🌐 jojierosario.com