De Guia Finance

De Guia Finance Licensed insurance agent in Ontario. I help dual‑income families earning $100K+ with kids see their real income protection gap in plain numbers, no jargon.

General education only. Not personal financial, tax, or legal advice. Hi, I’m Luisito De Guia—but you can call me Owie. I’m a Life Licensed Advisor, a husband, a father, and someone who believes that true financial security is not about how much you make—it’s about what you protect, what you build, and what you leave behind. I know what it feels like to chase success, to push forward without a cle

ar plan, and to wonder if you’re truly securing the future you want for yourself and your loved ones. I’ve built businesses. I’ve faced setbacks. I’ve learned the hard way that wealth isn’t just something you earn—it’s something you safeguard. That’s why I do what I do. I don’t believe in one-size-fits-all solutions. I don’t believe in sales pitches. What I believe in is real financial protection, tailored to your life, your goals, and your legacy. My work is about helping individuals, families, and business owners make smart, strategic decisions so they never have to question whether they’ve done enough to protect what matters most. If you’re just starting out, building toward something bigger, or thinking about the impact you want to leave behind—I’m here to help. Not with a quick fix, but with a plan that stands the test of time. Because financial security isn’t just about today. It’s about every tomorrow. Let’s build something that lasts. LET'S GO!!!

06/18/2026

If you've never opened your HR benefits booklet — you probably don't know what your real safety net actually is.

Three things your group coverage doesn't do that most Ontario employees assume it does: replace your full income, follow you to your next job, or last as long as you need it.

DM me WORKSHEET and I'll send you the Four-Minute Runway Calculator — a simple framework that shows exactly how long your household could last if one income stopped today. General education only.

General education only. Not personal financial or insurance advice.

06/17/2026

The myth that two incomes means twice the protection. It actually means twice the exposure.

For Ontario families where both incomes are load-bearing — mortgage, childcare, bills — neither income is a safety net. They're both the plan.

DM me QUESTIONS and I'll send you the One-Income Survival Check — 10 questions that show what happens to your family if one income stops tomorrow. General education only.

General education only. Not personal financial or insurance advice.

06/16/2026

A fictional Ontario couple thought they were fine. Then they ran their single-income runway number.

Most Ontario households earning over $100K find their runway is shorter than they assumed — often by half.

DM me WORKSHEET and I'll send you the Four-Minute Runway Calculator — a simple framework that shows exactly how long your household could last if one income stopped today. General education only.

Composite fictional example. General education only. Not personal financial or insurance advice.

06/15/2026

Three simple checks that turn 'we'll figure it out later' into an actual plan — in under 10 minutes.

Most Ontario employees find at least one surprise when they actually read the disability section of their benefits certificate. One of them is usually the taxability of the benefit.

DM me WORKSHEET and I'll send you the Four-Minute Runway Calculator — a simple framework that shows exactly how long your household could last if one income stopped today. General education only.

General education only. Not personal financial or insurance advice.

06/12/2026

Your group plan might stop paying long before you're ready to go back to work.
Maximum benefit duration, disability definition, taxability — three numbers in your certificate that most Ontario employees have never checked.

DM me QUESTIONS and I'll send you the One-Income Survival Check — 10 questions that show what happens to your family if one income stops tomorrow. General education only.

General education only. Not personal financial or insurance advice.

06/11/2026

A fictional Ontario household making $120K combined found out they had 11 weeks of runway.

Not because they were careless — because nobody had ever put that specific question in front of them.

DM me WORKSHEET and I'll send you the Four-Minute Runway Calculator — a simple framework that shows exactly how long your household could last if one income stopped today. General education only.

Composite fictional example. General education only. Not personal financial or insurance advice.

06/10/2026

A fictional Ontario couple ran their numbers. Their anxiety came in at 9 out of 10. They left at 4.

Not because the numbers were good — because they finally knew exactly what they were working with.

DM me QUESTIONS and I'll send you the One-Income Survival Check — 10 questions that show what happens to your family if one income stops tomorrow. General education only.

Composite fictional example. General education only. Not personal financial or insurance advice.

06/09/2026

There's a number every dual-income family should know. Most don't know theirs.

Your fixed bill load as a percentage of take-home tells you more about your household's real exposure than almost anything else — and most Ontario families find it's higher than expected.

DM me WORKSHEET and I'll send you the Four-Minute Runway Calculator — a simple framework that shows exactly how long your household could last if one income stopped today. General education only.

General education only. Not personal financial or insurance advice.

06/08/2026

A fictional Ontario employee's group disability ended after 24 months. They had 18 months of recovery left.

Most group plans have a maximum benefit period — and almost nobody knows theirs until they hit it.

DM me QUESTIONS and I'll send you the One-Income Survival Check — 10 questions that show what happens to your family if one income stops tomorrow. General education only.

Composite fictional example. General education only. Not personal financial or insurance advice.

06/04/2026

Three quiet gaps in almost every group coverage plan.

Benefit duration, disability definition, and portability — most Ontario employees don't check any of them until they need to file a claim.

DM me QUESTIONS and I'll send you the One-Income Survival Check — 10 questions that show what happens to your family if one income stops tomorrow. General education only.
General education only.

Not personal financial or insurance advice.

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Toronto, ON

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