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!!!

08/20/2026

A fictional Ontario couple had been putting off looking at their numbers for two years. Here's what finally got them to do it.
They found two gaps they'd been unknowingly carrying — one in coverage duration, one in single-income runway. Anxiety in: eight out of ten. Anxiety out: three. Not because the numbers were great. Because the gaps finally had names.

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. Educational purposes only. Not a real client or real case. General education only. Not personal financial or insurance advice.

08/19/2026

What a legitimate income protection review actually looks like. And what it does not look like.

A real review runs your numbers first, names your specific gaps before recommending anything, and gives you clarity whether or not you move forward that day.

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.

08/18/2026

A fictional Ontario couple let their term life insurance lapse for six months. Here's what they found when they tried to reinstate.
The policy was gone — not paused. Reinstatement required a new application with full medical underwriting. One health event during those six months had changed their insurability picture entirely.

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.

Fictional example for educational purposes only. General education only. Not personal financial or insurance advice.

08/17/2026

The financial plan that only works if both incomes run uninterrupted, every month, indefinitely — is not a plan. It is an assumption.
An assumption and a plan look identical when everything goes right. They look very different when one thing goes wrong for 90 days.

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.

08/14/2026

Is it possible you are saving far less than you think? Most Ontario households over $150,000 are not saving twenty percent.

A group RRSP contribution feels like saving, but it isn't liquid and it ignores the lifestyle spending that scales with income. The number that matters in a crisis is your liquid savings rate, and it's usually well below what people assume.

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.

08/13/2026

Is it possible for one layoff to erase half a family's coverage overnight? Here is how it happened to a fictional Ontario household.

The terminated plan ended immediately — and so did the coordination it was providing to the second plan. Two employers, two employer-owned assets, one layoff removed half the picture.

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.
Fictional example for educational purposes only. General education only. Not personal financial or insurance advice.

08/12/2026

Is it possible you are carrying the wrong kind of life insurance for where you are right now? Term and permanent solve two different problems.

Term covers a defined window — usually your highest-need years. Permanent builds cash value and lasts your lifetime. Knowing which problem you're solving determines which product fits.

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.

08/11/2026

The order that most financially resilient Ontario households follow — and the one step most families skip.
Know your numbers, clear high-interest debt, build your emergency fund, protect your income, build wealth, protect what you built. Most families jump to wealth without protecting the income that funds 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.
General education only. Not personal financial or insurance advice.

08/10/2026

Is it possible your life insurance payout could get stuck in probate? It comes down to one designation most people never update.

Your beneficiary designation controls how and when the money flows, whether it bypasses your estate, and whether it's accessible to your family quickly or tied up in probate.

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.

08/03/2026

The return-to-work provision in your group disability plan. Most people have never read it.

Most group plans allow you to return part-time while still collecting partial benefits — but only within specific time windows and income thresholds. Missing them can end your claim entirely.

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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