Mary Jane Tacderan Financial Services

Mary Jane Tacderan Financial Services Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Mary Jane Tacderan Financial Services, Insurance Company, 2212 St Laurent Boulevard, Ottawa, ON.

06/10/2026

Did you know living benefits of life insurance?

Life insurance is more than just a way to provide financial security for your loved ones after you’re gone. ♨️It can also provide important living benefits.

►A life insurance policy can offer financial assistance during times of need, such as if you’re unable to work due to an illness or injury.

►It can also be used as an additional source of income, providing money for retirement, college tuition, debt repayment or other expenses.

► Finally, it can increase your estate’s overall value and help you pass more money on to your heirs.

If you want to see how this strategy can help you then feel free to reach out. I am here to help 🙏​
If you want to learn more about this contact me at :​
6137911263​

Are you ready to retire? Knowing how much you need to save for retirement can be tricky.The numbers above can give you a...
06/10/2026

Are you ready to retire? Knowing how much you need to save for retirement can be tricky.

The numbers above can give you a good estimate, but they might not be realistic for you.

To fine-tune your retirement savings, ask yourself these questions:

►What are your retirement goals?

►Will you work in retirement?

►Will you live at the same residence?

►How much debt will you be carrying?

►What expenses will you carry over into retirement?

►What expenses will retirement eliminate?

►What new expenses will retirement likely bring on?

Depending on your lifestyle and personal income, you may need more than $1.2 million (or less), or you could live comfortably with less.

Consider all these factors to make sure you have enough saved for the retirement lifestyle you want.

If you have any questions or want to get a proper plan, feel free to reach out.👍​

5 MYTHS about “Retirement” that you need to be aware ofWhen I speak with individuals on the topic of RETIREMENT, I hear ...
06/10/2026

5 MYTHS about “Retirement” that you need to be aware of

When I speak with individuals on the topic of RETIREMENT, I hear all sorts of things and most of them are concerning

So I decided to make this post hoping this will help you

Here are top 5 MYTHS about Retirement

I need a _________$ before I can retire

Maximising RRSP contribution is all I need to retire comfortably

1. I don’t have time to plan for retirement, we will figure it out
2. I need to pay my home and that is my retirement plan
3. Investment portfolio management is the main part of a retirement plan
4. Now as you see all of the above may not be applicable to an individual
5. Your retirement plan is entirely dependent on your goals and vision of retirement

So don’t fall victim to “one size fit all” thinking when it comes to YOUR retirement

Need help with this?

Send me a message​
Schedule your free strategy session :​
https://maryjanetacderan.pages.fintello.com/calendar?post_id=MjY1MjMx​

06/10/2026

Is a million dollars enough to retire? (a question most people ask me)

Old financial wisdom used to say that a couple could retire comfortably with a $1 million nest egg (an individual could retire with $500,000).

But this advice might be outdated and could mislead some people into thinking they have more than enough (big mistake).

As we mentioned above, a couple retiring at 65 will likely need more than $1.2 million to retire comfortably. That is, if they expect to live for another 25 years.

But do the math for yourself. Your retirement goals and lifestyle might allow you to live happily onlessthan $1 million in retirement savings, especially if you work past the normal age of retirement (64 to 65).

Also factor market downturn, tax implications, etc.

It’s always wise to make aretirement planfor your specific household, as there’s only so much you can learn from rules of thumb and general advice.

You need to sit down and put a proper plan, do the math and find out where you stand and how much you need. This is where a plan helps.

Need help? I am here :)​

I find most people are confused about this one thing.The way they look at 'investment' vs. 'insurance'These are two very...
06/09/2026

I find most people are confused about this one thing.

The way they look at 'investment' vs. 'insurance'

These are two very powerful financail tools.

Let me share some insights.

Difference between investment led vs insurance led retirement strategies you must know.

Understanding the difference between investment-led and insurance-led retirement strategies is essential for effective financial planning.

📈 An investment-led strategy primarily focuses on building wealth through investments in stocks, bonds, real estate, and other assets to fund retirement. While potentially offering higher returns, it also carries market risk and requires active management.

🪬On the other hand, an insurance-led retirement strategy emphasizes guarantees and protection provided by insurance products such as annuities and life insurance. These products offer security, predictable income streams, and protection against market downturns. They provide peace of mind and ensure financial stability in retirement, albeit with potentially lower long-term growth potential.

By combining elements of both strategies, individuals can create a well-rounded retirement plan that balances growth opportunities with risk mitigation.

Understanding the nuances of investment-led and insurance-led approaches is crucial in designing a comprehensive retirement strategy that aligns with financial goals and risk tolerance.

It is my duty, mission and job to help people use the right tool. Let me know if you have questions or need help.​
If you want to learn more about this contact me at :​
[email protected]​

Feeling stuck in the 9-5 routine? Wishing you could be your own boss and do something you actually enjoy? Here’s the goo...
06/09/2026

Feeling stuck in the 9-5 routine? Wishing you could be your own boss and do something you actually enjoy? Here’s the good news—you don’t have to quit your job right away to start making that happen. You can begin building a part-time business on the side, without giving up the stability of your current job.
Start with a simple plan. Get clear on what you want to do, who you want to serve, and how you’ll get there. Do a bit of research, set a timeline, and take it step by step. Even just an hour a day can make a big difference. The key is staying consistent and focused.
Use tools like Trello or Asana to stay organized, and remember—this won’t happen overnight. Building something meaningful takes time, so be patient with yourself.
And don’t try to do it all alone. There are tons of resources, online communities, and mentors who’ve been in your shoes and are happy to help.
If you’re ready to start creating more freedom and flexibility in your life, I’ve got a platform that can help you get up and running.
Curious to learn more? Let’s chat 👇​

06/09/2026

Is Traditional Retirement Becoming Obsolete?YES

♨️ 74% of Canadians aged 24 to 44 view conventional retirement approach as outdated. A recent survey by Leger, on behalf of Wealthsimple, sheds light on evolving views towards retirement among Canadians aged 24 to 44.

Here are the key findings:

✓ Outdated Concept:74% of Canadians in this age group believe the traditional retirement approach (halting work at 65 for leisure) is outdated.

✓ Lack of Workplace Pensions:60% don’t have access to a workplace pension plan.

✓ Investment as a Solution:Over half of those aged 25 to 40 are turning to investing to maintain their lifestyle, lacking sufficient savings for conventional retirement.

Goals Beyond Retirement:

✓ 19% hope to grow their family.
✓ 41% are saving to purchase a home.
✓ 41% aim to retire before 55 to pursue small business, consulting, non-profits, or creative projects.
✓ Flexibility Through Investing:More than half of respondents feel investing offers more flexibility and choices, with 55% of young employees (18-24) viewing it as a path to early retirement.
✓ Shifting Dreams:Despite aspirations, only 7% of those aged 18 to 24 are planning for a traditional retirement.

What’s Your Take?
Are you rethinking your retirement strategy?

If you need help to review your retirement plan or create one, just send me a message.​
If you want to learn more about this topic then you can download this FREE guide :​
https://maryjanetacderan.pages.fintello.com/retirementthanks?post_id=MjY1MTk5

Top 3 Reasons to Start Planning for Retirement Today 👇Retirement might feel far off—but it arrives faster than you think...
06/09/2026

Top 3 Reasons to Start Planning for Retirement Today 👇

Retirement might feel far off—but it arrives faster than you think. Here's why now is the best time to start:

1️. The Power of Compounding
Start early, and your money works harder for you. Compound interest helps your savings grow exponentially over time!

2️. Rising Life Expectancy
People are living longer—your savings need to last 20+ years post-retirement. Plan now to maintain your lifestyle later.

3️. Unpredictable Economic Conditions
From inflation to market crashes, the future is uncertain. A strong plan helps protect you from financial shocks.

💡 Bottom line: The sooner you start, the stronger your financial foundation will be. Secure your future—you’ll thank yourself later.

Need help getting started? Let’s connect.​

Big Question - How to calculate how much you need to retire comfotably? Info below 👇Are you wondering how much you need ...
06/08/2026

Big Question - How to calculate how much you need to retire comfotably? Info below 👇

Are you wondering how much you need to save for retirement?

If $1.2 million feels like too much (or too little), there are some rules of thumb that can help you calculate a more accurate number.

► One popular method is the 70% rule. According to this rule, you’ll need 70% of your pre-retirement household income each year in retirement for 25 years.

For example, if your household brings in $150,000 in the year before you retire, then you’ll need $105,000 annually.

Multiply that by 25 years and your retirement savings goal would be: $2,625,000.

That’s a lot of money! But if you're spending roughly $105,000 each year on your typical household expenses, like food, utilities, insurance, and transportation, it might be accurate.

If $2 million is out of reach, you can use a withdrawal rule, like the 4% rule.

► This rule states that you should withdraw only 4% of your retirement savings annually for at most 25 years.

For example, if you’ve saved $400,000, this rule would recommend withdrawing only $16,000 per year (not counting pensions and other additional income).

The advantage of this rule is that it starts from what you have, rather than what you don’t - so it's a great option if you're looking for a more realistic retirement savings goal!

hope this helps. If you need to work out your numbers - feel free to message me and I'll be able to do that for you.​
If you want to learn more about this contact me at :​
6137911263​

06/08/2026

Unlocking a secure and fulfilling retirement requires strategic planning, and even high-net-worth individuals can fall prey to common pitfalls.

Let's shed light on the top 3 mistakes made by many in managing their retirement wealth. 💰

1 - Underestimating Healthcare Costs: High-net-worth individuals often overlook the significant impact of healthcare expenses in retirement.
Failing to adequately plan for rising medical costs can erode even substantial wealth. It's crucial to develop a comprehensive healthcare strategy that considers potential long-term care needs and ensures financial security throughout retirement.

2-Overlooking Diversification: While wealth accumulation is a testament to financial acumen, over-concentration in a particular asset class or investment can be a perilous oversight. Diversification remains key. High-net-worth individuals might be tempted to focus on what has historically performed well, but a diversified portfolio helps mitigate risks and ensures resilience against market volatility.

3-Neglecting Estate Planning: A surprising number of high-net-worth individuals delay or neglect proper estate planning. Without a well-crafted plan, the legacy they've worked tirelessly to build may face unnecessary challenges. From minimizing tax implications to ensuring a smooth transfer of assets, comprehensive estate planning is paramount for preserving wealth and safeguarding family legacies.
Let's strive for retirement excellence by learning from these common missteps.

Consider robust healthcare strategies, diversify wisely, and invest time in meticulous estate planning. It's not just about accumulating wealth; it's about intelligently and purposefully preserving it for the life you've envisioned and beyond.

If you need help, just send me message.​

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2212 St Laurent Boulevard
Ottawa, ON
K1G1B2

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