De Guia Finance

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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 clear 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!!!

09/23/2026

One framework, four letters: D.I.M.E.

Why a million-dollar policy isn't the right number for everyone, and what actually is.
DM me QUESTIONS for the One-Income Survival Check: 10 questions on what happens if one income stops tomorrow.

General education only. Not personal financial or insurance advice.

09/22/2026

When I had my restaurants, I made more money than I do now, and I was still fragile.
The $30,000 credit card balance that taught me cash flow is two-sided, not one.
DM me WORKSHEET for the Four-Minute Runway Calculator: see how long your household could last if income stopped today.

General education only. Not personal financial or insurance advice.

09/21/2026

I'm a father of three, and that changes how urgently I think about protection.
An honest take on being newer in this industry, and why I still think it matters.
DM me QUESTIONS for the One-Income Survival Check: 10 questions on what happens if one income stops tomorrow.

General education only. Not personal financial or insurance advice.

09/18/2026

I used to be trained to close you the same day. That's not how I work now.
What I learned from my own pure term policy 15 years ago, and why I now take three meetings, not one.

DM me QUESTIONS for the One-Income Survival Check: 10 questions on what happens if one income stops tomorrow.

General education only. Not personal financial or insurance advice.

09/17/2026

You get exactly 31 days after leaving a job. Most people never hear this.

What actually happens to your group life insurance the day you walk out the door.
DM me WORKSHEET for the Four-Minute Runway Calculator: see how long your household could last if income stopped today.

General education only. Not personal financial or insurance advice.

09/16/2026

Term or permanent? You don't have to pick a side.
Why layering both might fit your goals better than choosing one.

DM me QUESTIONS for the One-Income Survival Check: 10 questions on what happens if one income stops tomorrow.

General education only. Not personal financial or insurance advice.

09/15/2026

Most people don't actually know if they're saving enough.
The 5-minute daily habit that tells you the real number, not the feeling.

DM me WORKSHEET for the Four-Minute Runway Calculator: see how long your household could last if income stopped today.

General education only. Not personal financial or insurance advice.

09/14/2026

Two incomes don't automatically mean you're covered.
Here's the one shift that actually turns two incomes into real breathing room.

DM me QUESTIONS for the One-Income Survival Check: 10 questions on what happens if one income stops tomorrow.

General education only. Not personal financial or insurance advice.

08/21/2026

Is it possible the coverage your family counts on ends the day your job does? If it lives at work, yes.

Group life and disability coverage is owned by your employer. When the job ends, for any reason, that coverage usually ends with it. The families who feel most secure are often the most exposed.

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.

08/20/2026

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.

Address

Toronto, ON

Telephone

+14374774470

Website

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