Vernice Violan Insurance & Investments Broker

10/07/2026

To all aspiring First Time Home Buyers‼️

Open an FHSA before Dec 31, 2026 with a maximum contribution of $8,000 each for you and your spouse. By Jan 2027, the yearly contribution limit resets and you can invest another $8,000 each.

The best part? This contributions will be eligible as a Tax Deduction when you file your tax returns.

Once you get your Tax refund, invest it into a Tfsa which will significantly speed up your savings.

Message me anytime for inquiries 📲📞😊

10/07/2026

Where you spend your money shows what's important to you‼️

- "Thank God it's Friday, i'm gonna hit the bars"
that shows what's important to you.

-"I'm going to invest for my kids future"
we know what's important to you.

-" I want to travel the world"
we know what's important to you.

- "I want to leave something behind for my spouse, kids and grandkids"
we know what's important to you.

My job is to know what really is important to you. What are your short and long term goals? What do you need right now? What can you give up to achieve what's important to you?

Send me a message to start a discussion and let me guide you in your financial journey. 📞📲

10/03/2026

💰 ARE YOU MAKING THE MOST OF YOUR TAX-SAVING & INVESTMENT OPPORTUNITIES?

As we get closer to the end of the year, it’s a great time to review your savings and investments and make sure you’re taking advantage of the opportunities available to you.

🏡 FHSA – Save for Your First Home
Planning to buy your first home? Contributions to your FHSA are tax-deductible, and it can help you build your down payment while taking advantage of valuable tax benefits.

💼 RRSP – Reduce Your Taxable Income & Save for Retirement

Contributing to your RRSP can help reduce your taxable income today while allowing your money to grow for your future retirement. It can also be used strategically as part of your first-home savings plan through the Home Buyers’ Plan, if you qualify.

🎓 RESP – Save for Your Children’s Education

If you’re saving for your children’s future education, contributing to an RESP can help you take advantage of government education grants. The goal is to maximize the grants available to you and make your savings work harder for your child’s future.

📈 AND HERE'S SOMETHING ELSE TO CONSIDER…

Depending on your goals and circumstances, these investments can also be structured using Segregated Funds, which offer investment growth potential along with additional features and benefits that may be valuable for you and your family.

There is no one-size-fits-all financial strategy. The right approach depends on your goals, timeline, risk tolerance and overall financial situation.

As an Insurance & Investments Broker, I can help you understand your options and determine what may work best for you.

📩 Message me if you want to learn more or would like to review your current savings and investment strategy.

Let's make sure your money is working as hard as you do! ❤️

Vernice Violan
Insurance & Investments Broker
📞 778-995-0627

08/04/2026

Can you believe we're almost entering the BER months already? 🎄🍂

Time flies! Have you checked in on the financial goals you set at the beginning of the year?

Have you achieved them?
Are you making good progress?
Or have you been so busy that you haven't had the chance to start yet?
This is the perfect time to pause and review where you are financially.

Life can change a lot in just a few months. Ask yourself:

👶 Did you welcome a new child into your family?
🏡 Did you buy your first home or an investment property?
📈 Has your income increased?
🚗 Have you taken on new financial commitments, like a car loan?
💰 Have you built up more savings that could be invested to help grow your wealth?
🧾 Have you worked overtime or taken on a second job that may trigger an owing on your taxes upon filing?

These milestones are worth celebrating—but they may also mean it's time to review your financial plan and insurance coverage.

Your existing protection may no longer be enough, or you may have new opportunities to build wealth more effectively. A simple financial review can help ensure you're still on track and that your plan continues to support your goals.

We're all busy, and it's easy to put our finances on the back burner. But the things that matter most deserve our attention. Your future, your family, and your financial security are worth making time for.

If it's been a while since we last reviewed your insurance, investments, or overall financial strategy, let's catch up. I'd be happy to help you assess where you are today and discuss the next steps toward achieving your goals before the year ends.

📩 Send me a message to book your financial review. Let's finish the year with confidence and a clear plan for what's ahead.

07/03/2026

Happy Birthday Boss AJ 🎉🎉

07/01/2026

Happy Canada Day 🇨🇦🍁🎉

06/16/2026

🦴 Accidental Fracture Coverage for Only $7/Month? Yes, Really.

Accidents can happen when we least expect them—and they don't always happen while doing something risky.

This affordable Accidental Fracture Insurance provides a lump-sum benefit of up to $7,000 depending on the fractured bone, helping ease the financial burden during recovery.

Who should consider this coverage?

✅ Kids who love sports, playgrounds, and outdoor activities
Whether it's soccer practice, gymnastics, basketball, or simply playing on the monkey bars, active children are more prone to accidental injuries.

✅ Individuals who commute or drive regularly
Even the most careful drivers and pedestrians can be involved in unexpected accidents.

✅ People in skilled trades or physically demanding jobs
Construction workers, plumbers, electricians, hairstylists, healthcare workers, and many others rely on their physical ability to earn an income. A fracture could mean time away from work and lost earnings.

✅ Athletic and adventurous individuals
Whether you're hiking, skiing, cycling, training for a race, or enjoying a vacation abroad, accidents can happen anywhere.

I've personally seen claims paid for situations such as:
🔹 A client who slipped in the bathtub
🔹 A child who fractured a bone while playing on monkey bars
🔹 A teenager injured during martial arts training
🔹 A mom who was struck while crossing the street on her way to work

The reality is that accidents don't discriminate.

For as little as $7 per month, you can receive a lump-sum benefit of up to $7,000, depending on the type of fracture sustained.

💬 Message me today to learn more about how this affordable coverage can help protect you and your family when the unexpected happens.

06/16/2026

💙 LIFE INSURANCE: Protecting the People and Future That Matter Most 💙

Life insurance is one of the most important financial decisions you can make for yourself and your loved ones.

Here’s why it matters:

✔️ When you have dependents — especially minor children
It helps provide financial security for their daily needs, education, and future.

✔️ When you have a mortgage or rental properties
Life insurance can help protect your family from financial burden and keep your assets secure. Rental properties may also trigger capital gains tax upon death, and life insurance can help ease the burden for your loved ones by providing funds to help cover these taxes.

✔️ When you want to leave a tax-free inheritance
Life insurance can help create a legacy and provide financial support for the people you love.

✔️ To help cover final expenses
It can ease the financial stress during an already difficult time.

The best time to get life insurance is while you are young and healthy — coverage is usually cheaper and easier to get approved for.

⏳ The cheapest time is NOW.

Feel free to message me to explore your options. I’d be happy to help you find coverage that fits your needs and budget.

Vernice Violan
Insurance & Investments Broker
4x Million Dollar Round Table Qualifier
📞 778-995-0627
Licensed in BC, AB, MB, ON, SK and NS

06/16/2026

05/16/2026

CPB Raffle Rush Luncheon 😊 Thank you IA and AJ Insurance 🙏