Jason Desjardins - Financial Services - No Families Left Behind

02/04/2026

Local businesses are the real MVPs.
This month’s spotlight goes to 𝐉𝐚𝐬𝐨𝐧 𝐃𝐞𝐬𝐣𝐚𝐫𝐝𝐢𝐧𝐬, 𝐖𝐨𝐫𝐥𝐝 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐆𝐫𝐨𝐮𝐩, an 𝐎𝐧𝐭𝐚𝐫𝐢𝐨 𝐀𝐩𝐩𝐫𝐨𝐯𝐞𝐝 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥 making a real impact in their community through dedication, quality, and trust.

Support local legends doing great work. 𝐋𝐨𝐯𝐞....𝐋𝐢𝐯𝐞....𝐒𝐡𝐨𝐩 𝐋𝐨𝐜𝐚𝐥!
👉 Find them and more at https://ontapproved.ca
Jason Desjardins - Financial Services - No Families Left Behind

08/25/2025

Great program. We had one child go through this and a second starting this year. Great way to give your kids a leg up in life.

Start your little one off right. A specialized and proven program setting your child up for success from the start!

07/31/2025

💼 Business Owners: Want to fund your future using pre-tax dollars?

Most people spend after-tax money building their lifestyle.
But smart business owners?
They use the tools available to them to multiply their money before the taxman touches it.

Here’s how:

👉 Through properly structured insurance strategies (like Participating Whole Life policies), you can:

✅ Use corporate pre-tax dollars to fund policies
✅ Access capital tax-efficiently through policy loans or Immediate Financing Arrangements (IFAs)
✅ Grow tax-advantaged cash value over time
✅ Protect the business, your family, and your legacy
✅ Create a retirement plan outside of traditional RRSPs and pensions

What does that mean for you?
It means you can build long-term wealth, personally and corporately, using your business income as the engine — not just your after-tax personal pay.

💡 Imagine funding your retirement, securing a buy-sell agreement, or leaving a tax-free legacy — all with the same dollars that are already flowing through your business.

That’s what the wealthy do.
That’s what financial literacy looks like.

📩 If you’re a business owner making $100K+ net profit and want to put your dollars to better use — let’s chat.

07/29/2025

📣 Attention Business Owners

Growth doesn’t always happen overnight—especially in business.
But slow, intentional growth is still growth. And it’s often the most sustainable kind.

I had the honour of attending an exclusive training session hosted by one of our top partners, built specifically for a select group of advisors here in Ottawa.
Only 12 of us were chosen—and the focus? Advanced strategies to help corporate clients thrive.

If you're a business owner who’s looking to strengthen your foundation, protect what you’ve built, or plan the next level of your growth—don’t hesitate to reach out.
There are strategies out there designed with your success in mind.



📣 Attention Business Owners

Growth doesn’t always happen overnight—especially in business.
But slow, intentional growth is still growth. And it’s often the most sustainable kind.

I had the honour of attending an exclusive training session hosted by one of our top partners, built specifically for a select group of advisors here in Ottawa.
Only 12 of us were chosen—and the focus? Advanced strategies to help corporate clients thrive.

If you're a business owner who’s looking to strengthen your foundation, protect what you’ve built, or plan the next level of your growth—don’t hesitate to reach out.
There are strategies out there designed with your success in mind.

06/16/2025

💼 Dear Business Owner… Let’s Get Real for a Second.

❓ If you got critically ill…
Would your business keep running without you?

❓ Is there a plan in place to protect your income — or just your employees’?

❓ Are you relying on your business for retirement…
…but have no strategy if your health fails you first?

Here’s the hard truth:
A serious illness doesn’t just affect your body — it shakes your business, your income, and your family’s future.

But there’s a strategy that few talk about…

🛡️ Corporate Critical Illness Insurance

✅ If you get sick — you get a lump sum, tax-free.
✅ If you don’t get sick — that money can be refunded or redirected to retirement.
✅ Structured properly, it’s a smart way to move money out of the company at a much lower tax rate.

It’s protection and planning.
Peace of mind and potential retirement dollars.

📩 If you’re building a business, don’t ignore this conversation.
Your future self (and your shareholders) will thank you.

Let’s talk strategy — I’ll walk you through the options.

06/06/2025

Behind every successful individual or business…
is a solid financial game plan.

Whether you're a business owner, professional, or simply someone serious about protecting your future — here’s what we actually do:

We help you make smarter decisions with your money, your protection, and your future.

💼 Savings & Investment Tools
We tailor strategies to your needs, including:
• TFSA, FHSA, RRSP, RESP, RDSP
• Non-Registered Accounts
• Individual Pension Plans (IPP)

Whether you're saving for your kids, your dream home, or retirement — we help you get there strategically.

🛡️ Personal Protection Plans
Because one unexpected event shouldn’t wipe out everything you've worked for.
We provide:
• Life Insurance
• Critical Illness Coverage
• Disability Protection
• Health & Dental Plans
• Travel Insurance

🏢 Corporate Financial Strategies
Own a business? We help you keep more of what you earn and plan for the long haul:
• Smart Retirement Planning
• Corporate Investment Solutions
• Tax-Efficient Insurance
• Group Benefits

🌳 Legacy & Family Planning
Build and pass on generational wealth with confidence.
Your money should work hard today — and take care of your loved ones tomorrow.

It’s not about selling you something. It’s about building something that lasts — for your life, your business, and your legacy.

If you're looking for clear, professional guidance — let’s talk.
Sometimes, all it takes is one conversation to change the course of your financial future.

06/02/2025

🛡️ The Power of Term Life Insurance — Simple. Affordable. Essential.

Whether you're building your future, raising a family, or running a business, Term Life Insurance can be one of the smartest financial tools in your corner.

✅ For Individuals

Affordable protection for your income and loved ones

Peace of mind during mortgage or debt repayment years

Flexibility to upgrade later

👨‍👩‍👧‍👦 For Families

Ensures your children and partner are financially secure

Covers major life obligations (mortgage, education, lifestyle)

Helps maintain stability during uncertain times

🏢 For Business Owners

Protects your business from financial disruption

Can fund buy-sell agreements

Covers key personnel with cost-effective protection

🔑 Term insurance provides maximum coverage at minimal cost — when it matters most. It’s not just about dying — it’s about protecting everything you’ve worked hard to build.

Curious if Term is the right fit for your goals? Let’s talk — no pressure, just clarity.
📩 Message me for a free consultation.

05/31/2025

Business Owners: Ready to Keep More Money in Your Company?

When it comes to tax-efficient strategies, many business owners assume solutions like an Individual Pension Plan (IPP), corporate-owned life insurance, or a Critical Illness policy are out of reach. Here’s the truth:

• IPP (Individual Pension Plan): A powerful retirement vehicle that can significantly boost your RRSP room and defer corporate taxes—often with surprisingly affordable contributions.
• Corporate-Owned Life Insurance: Protects your loved ones and can be structured to build cash value inside your corporation, giving you liquidity for future opportunities.
• Corporate Critical Illness Coverage (with ROP): Instead of personally owning a CI policy, your corporation purchases the coverage. If a qualifying illness strikes, the corporation receives a tax-free lump sum to cover overhead, hire temporary help, or shore up cash flow—while still providing you personally with a benefit through shareholder loans or dividends.

Positives of ROP (Return-of-Premium) Riders:

Premium Recovery: If no claim is made by a specified age (often 65 or 75), the corporation receives back a portion—or even all—of the premiums paid. This transforms a pure “cost” into a hybrid savings vehicle, effectively returning capital to your business.

Improved Cash Flow: Even though you pay slightly higher premiums for ROP, the ability to recoup premiums later means less net cost over the long term. Your company can redeploy that returned capital toward growth initiatives, R&D, or simply bolster its balance sheet.

Risk Management + Savings: You retain all the protection benefits of critical illness coverage (tax-free lump sum, business continuity support) while knowing that if a claim never occurs, the business still recovers its outlay. It’s a win-win: protection today, potential cash injection tomorrow.

Attractive to Stakeholders: Shareholders and lenders often view ROP-enhanced policies as more palatable, since it resembles an investment fund that pays out either on claim or on maturity—adding credibility to your risk-management plan.

These strategies aren’t as expensive as you may believe—and they can help you lock in today’s tax advantages while building long-term wealth.

💡 Curious how this can work for your corporation? Let’s connect! I’d love to walk you through the details and help you decide which tools make sense for your goals.

📩 Send me a message or comment below, and let’s set up a time to chat.

05/29/2025

🛑 Business Owners: What Happens If You Can’t Work?

You insure your car, your building, and your equipment...
But what about the one thing your business can’t run without?

👉 You.

Disability insurance is one of the most overlooked tools for business owners—and one of the most powerful.

Here’s why:
✅ It protects your income if illness or injury stops you from working
✅ It helps you cover fixed business costs during downtime
✅ It gives peace of mind to you, your team, and your family

Most business owners are great at betting on themselves.
Disability insurance makes sure that bet isn’t wiped out by something unexpected.

If you’re unsure what coverage you have—or what you actually need—let’s chat.
A 15-minute review could save your future business... and income.

📩 Message me to schedule a conversation.

05/23/2025

🚨 Investing Isn’t Just for the Rich — It’s for the Ready 🚨
Cautious or Bold? There’s a Strategy for YOU.

You don’t need a finance degree or a six-figure income to invest smart.

📊 RRSP? TFSA? FHSA? Non-Registered?
Confused by the options? You’re not alone — and that’s exactly where I come in.

💡 I help everyday people understand their investment choices, from safe & steady to bold & growth-focused.

Investing isn’t scary when you finally understand the rules.
Let’s talk and build a plan that actually fits your goals.

📩 DM me — no pressure, just clarity.

05/22/2025

🚨 Do You Know the 4 Major Critical Illnesses That Could Disrupt Your Life? 🚨

Most people insure their car, their phone… but what about their health?

Here are the 4 major critical illnesses that strike the hardest — often without warning:

🧠 Stroke – Can affect anyone, anytime. Recovery can take months… or years.
❤️ Heart Attack – One of the top causes of death in North America.
🎗️ Cancer – 2 in 5 Canadians will face a cancer diagnosis in their lifetime.
🫁 Organ Failure – Kidney, liver, or lung failure can completely derail your life and finances.

The tough part? Most health plans don’t cover the real costs — lost income, travel, recovery time, or support for your family.

💡 That’s where Critical Illness Insurance steps in — providing a tax-free lump sum payment so you can focus on healing, not bills.

📩 Curious what this protection could look like for you or your family? Message me. It’s worth a conversation.