Monique Daniel - Experior Financial Group

Monique Daniel - Experior Financial Group As a Senior Financial Advisor, I am passionate about empowering families with financial knowledge to

Life insurance for kids?Before I knew about the benefits of the right kind of life insurance for children, this would've...
03/03/2021

Life insurance for kids?

Before I knew about the benefits of the right kind of life insurance for children, this would've been a taboo topic for me.

Now I recommend it to my clients with young kids depending on their financial situation. Here's why:

20-Pay Whole Life insurance is ideal for people who want to reduce their financial obligations later in life. It also makes sense for parents, grandparents, aunts and uncles who are looking to purchase the gift of a life insurance policy for a child.

It offers all the advantages of traditional whole life insurance, but rather than paying premiums to age 100, payments end after just 20 years. You also guarantee the child's insurability for later in life with lower premiums than they would pay as an adult.

✅ Guaranteed lifetime coverage

✅ Level premiums for 20 years

✅ Increasing cash value

✅ Access to policy loans

✅ Ability to grow in value through earned dividends

I've got your insurance needs. Are you covered during the ? ✅Insurance is like fun: the older you get, the more it cost...
02/18/2021

I've got your insurance needs. Are you covered during the ? ✅

Insurance is like fun: the older you get, the more it costs! So don't wait until "this is all over" (the pandemic I mean, not the other thing). 🤣

Contact me today for a free, no obligation financial assessment so you have one less thing on your list to worry about. ✅

But honestly, all jokes aside, life insurance is the ultimate act of love 🥰 to ensure your sweetheart is protected in ca...
02/14/2021

But honestly, all jokes aside, life insurance is the ultimate act of love 🥰 to ensure your sweetheart is protected in case of your death, illness or disability. 💔

You promised to always protect your loved ones; so now is the time to show it! 💝💘

Forget the flowers and chocolate, get life insurance (or all three). It doesn't have to be out of reach, customized options that suit your budget are available - message me today for a free, no obligation financial needs assessment and insurance quote.




For women experiencing a major life transition, consider these investment tips from :- First, pause and regroup emotiona...
03/26/2019

For women experiencing a major life transition, consider these investment tips from :

- First, pause and regroup emotionally

- Give yourself a timeline to address your investments

- Don't sign anything right away

- Figure out where you stand legally and financially

- Evaluate your cash flow

- Revise your financial plan to suit your new circumstances

- Create a new investment strategy

- Don't feel guilty about claiming an inheritance

- Educate yourself

- Update important financial details

- Seek guidance from trusted financial professionals

Financial literacy is a bit of a buzzword lately. But what does it really mean? .com defines it as being knowledgeable a...
03/22/2019

Financial literacy is a bit of a buzzword lately. But what does it really mean? .com defines it as being knowledgeable about money and finance, with a special focus on an individual's personal finances. Being financially literate enables you to make smarter money management decisions that lead directly to a financially secure future, one that protects the assets built by you and your loved ones.

Beyond that, financial literacy can also include things like investing, understanding how interest rates work, passive versus active income, and overall financial planning.

Are you financially literate? What is the most practical advice someone has given you about money that you still use to this day?

According to a new U.S. survey, African-Americans view life insurance as more than a means to pay for final expenses. Th...
03/20/2019

According to a new U.S. survey, African-Americans view life insurance as more than a means to pay for final expenses. They are increasingly looking to it as a way to transfer wealth and leave a legacy for their families.

The New York Life Insurance Gap Survey revealed African-Americans report more financial stress than the overall population, but are also more proactive about addressing it.

Nearly 80 percent of African-Americans said having life insurance is a goal for them, versus 63 percent of all adults. More than 90 percent of African-Americans said they believe life insurance helps future generations succeed.

Homeownership is a dream for many families. You CAN make it a reality by sticking to an achievable 3 - 5 year plan with ...
03/18/2019

Homeownership is a dream for many families. You CAN make it a reality by sticking to an achievable 3 - 5 year plan with the help of a financial advisor.

Check out these top 4 tips from on how to save towards buying a home:

1. Decide on a comfortable budget - Calculate your total home costs, including mortgage, property taxes and home insurance, which can often add several hundred dollars to your total mortgage. By figuring out how much "house" you can afford, you can decide how much you will need for your down payment.

2. Pay down your debts - Consider paying down some of your consumer debt first, which will not only help alleviate some of the financial pressure but also help you secure a better mortgage rate.

3. Pay your future mortgage - In addition to your rent, put the difference between your rent and assumed future mortgage payment into your savings account and treat it as you would any other monthly bill. This habit will get you used to the idea of paying a bigger mortgage and the bonus is that you’ll also be saving toward your house!

4. Pay yourself first - If you want to get serious about saving, calculate how much money you can put into savings first, not just what is left over at the end of the month.

Children learn by doing and observing. What you teach kids about money today will follow them their whole life, with eit...
03/17/2019

Children learn by doing and observing. What you teach kids about money today will follow them their whole life, with either positive or negative consequences for their financial future.

Here are 2 helpful tips from to teach your kids about money:

1. Use a clear jar to save.

The piggy bank is a great way to introduce the concept of saving, but it doesn’t give kids a visual. When you use a clear jar, they can actually see their money growing and that's way more exciting!

2. Set an example.

A study by the University of Cambridge found that money habits in children are formed by the time they’re 7 years old! Set a good example by limiting your credit card use and discussing money matters in a constructive way. They’ll be much more likely to have a healthier relationship with money as a result.

Feeling stressed about your finances? Check out these 5 great strategies from :1. Set a budget - it's the best tool to g...
03/16/2019

Feeling stressed about your finances? Check out these 5 great strategies from :

1. Set a budget - it's the best tool to gain control of your finances and stop worrying about money!

2. Build up an emergency fund - Start by putting in a small amount from each paycheck, and any leftover money you have in your other spending categories at the end of the month

3. Speak with a professional - A financial advisor can help you create a long-term saving and investing strategy that will help you take care of your current needs and plans for retirement. You do not have to deal with this solo!

4. Determine what you can change - The root cause of your financial stress may be an income issue, a spending issue, or both.

5. Identify positive aspects of your life to enjoy each day - Find healthy outlets that do not cost a lot. Exercise and self-care can reduce your overall feelings of stress, allowing you to focus on getting back on track.

Breathe Life, a Montreal-based insurance start-up says new parents, who are inevitably part of the so-called millennial ...
03/14/2019

Breathe Life, a Montreal-based insurance start-up says new parents, who are inevitably part of the so-called millennial generation, and whose oldest members are in their late 30s, are buying big-ticket items, like homes and cars, but not life insurance.

In fact, 75 percent of millennials in North America don’t have life insurance. Why? Young families aren't being educated about why it's important or engaged in a way that suit their preferences and lifestyle.

Contact me today to learn why life insurance should be an essential part of your family's financial plan!


The reports that pricey real estate and access to tax-free savings accounts (TFSAs), mean adults in their 20s to 40s ar...
03/14/2019

The reports that pricey real estate and access to tax-free savings accounts (TFSAs), mean adults in their 20s to 40s are not contributing to registered retirement savings plans (RRSPs) as much as they did 15 years ago.

Some financial experts say they’re more of a tool for people at the apex of their career – high-earning homeowners who can manage their mortgage and can’t meet their savings and investing needs with TFSAs alone.

You can't compete where you don't compare. Learn why is the best place in the industry to build your own financial serv...
03/13/2019

You can't compete where you don't compare. Learn why is the best place in the industry to build your own financial services business. Message me today!

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