Maureen McBratney, Insurance & Financial Advisor

06/09/2026

Most young families I talk to aren’t behind.

They’re just… unsure.
They’ve started saving.
They’ve opened accounts.
Some have insurance.

But when I ask how it all works together—
that’s where things get quiet.

And it’s not because they’ve done something wrong.
It’s because no one ever sat down and connected the pieces.

That’s the difference between having a plan…
and actually knowing you’re set up properly.

If that sounds familiar, you’re definitely not alone. Feel free to reach out and let's have a conversation.

Send a message to learn more

06/02/2026

Financial Planning Isn't One and Done

05/26/2026

5 Reasons to Review or Update Your Life Insurance

1. You bought a home
Your insurance should reflect new financial responsibilities like a mortgage and household expenses.

2. Your family has changed
Marriage, divorce, children, or blended families can all impact how much coverage you may need and who should be listed as beneficiary.

3. Your income has increased
As income grows, so does the lifestyle and financial support your family may rely on.

4. Your policy is getting older
Some policies may be approaching renewal periods where premiums can increase significantly.

5. Your goals have changed
What made sense 10 years ago may not fit your situation today. Insurance should evolve along with your life.

A quick review doesn’t always mean making changes — sometimes it simply confirms you’re already on the right track.

If you have questions about your current coverage, feel free to reach out.

05/20/2026

Can you still get life insurance if you use ma*****na?

In many cases, yes.

One of the biggest misconceptions I hear is that ma*****na use automatically means someone can’t qualify for life insurance. The reality is that it really depends on factors such as frequency of use, whether it’s smoked or consumed another way, overall health, and the insurance company’s underwriting guidelines.

Occasional use may have little to no impact with some insurers, while more frequent use could affect pricing or available options.

Every situation is different, which is why it’s important to have a conversation before assuming you won’t qualify.

If you have questions about how ma*****na use may affect insurance, feel free to reach out.

05/13/2026

Some art work for me from one of my young clients. I think the composition is stunning and he has a bright future!

05/05/2026

Mortgage insurance vs life insurance comes up more often than you’d think.

They sound similar, but they work very differently — especially when it comes to who’s protected and how much control you have.

This short video breaks it down in a really clear way.

If you’ve ever wondered which one actually makes sense for you, feel free to reach out — I’m always happy to walk through it

04/22/2026

I’m excited to share that I’ve joined Billyard Insurance Group as a Financial Advisor.

This move gives me access to better tools, stronger technology, and the opportunity to help build out the Financial Advisor team. Just as importantly, it allows me to continue growing my practice while maintaining ownership of my client relationships.

If you’ve been meaning to review your insurance, investments, or overall financial plan, I’d be happy to connect.

04/14/2026

One thing that comes up more often than you’d expect—people aren’t always sure what they actually have in place.

It might be coverage through work, something set up years ago, or policies that haven’t been reviewed in a while.

Over time, it’s easy to lose track of the details or assume everything is still doing what it’s supposed to.

If you’re not completely clear on what you have or how it works, it’s worth taking a closer look.

02/17/2026

02/10/2026

Life changes.
Your paperwork doesn’t update itself.

That’s what client check-ins are for.