Investment & Insurance Services

Investment & Insurance Services Investment, Corporate & Personal Insurance, Commercial & Residential Mortgages (Including Reverse Mortgages, which are different in Canada.

If it's in the insurance world, (except home and auto), I can help. Segregated Funds, Personal and Corporate Life Insurance, Group Health etc.

04/30/2026

INCOME GUARD PROTECTION FROM RIMI/LLOYDS; There is a new Critical Illness/Debt Relief etc. product that I MUST bring to your attention.

CAN'T AFFORD A FULL CRITICAL ILLNESS POLICY? THIS MAY BE PERFECT FOR YOU. JEFFREY: 519 658 3771

Open to all Canadian Citizens or Permanent Residents 18 - 69 years old.

SIX Critical Illnesses Covered to $25,000 These Critical Illnesses Represent 85%-90% of Critical Illness claims in Canada.

Heart Attack • Stroke • Cancer • Kidney
Failure • Acute Liver Failure • Blindness

But there is more!

If you are DIAGNOSED with one of the Covered Critical Illnesses, there is Mortgage or Rent Payment relief of up to $2,500 per month up to a total payment of $30,000. YES, Debt Payment Relief.

MORE ???

If you are DIAGNOSED with one of the Covered Critical Illnesses, there is Bill Payment Relief of $1,500/month up to a total of $15,000.

Funeral Expenses of up to $10,000 should you died within 12 Months of diagnosis of a covered Critical Illness.

Accidental Death & Dismemberment: Minimum is $25,000, with an optional $50,000.

COST ? Same for Men and Women.

A 40 Year Old = $25.40/month (Plus one $25.00 set up fee) 40 Year Old Smoker = $35.56/month (Plus one $25.00 set up fee)

Qualification; Just 8 Yes or No Questions. Here they are!

Have you ever been diagnosed with, had any signs and/or symptoms of, or had any medical consultations and/or abnormal tests for any of the following disorders?

If you can answer NO to each of these questions, you qualify for Income Guard.

1. Cancer, Intracranial Tumour. YesNo

2. Heart Disease (including but not limited to Angina and Heart Attack) YesNo

3. Stroke, Transient Ischemic Attack (TIA), Peripheral Vascular Disease or Diabetes. YesNo

4. Hepatitis, including Hepatitis Carrier State, Chronic Kidney Disease, AIDS or HIV. YesNo

5. Have you ever had Coronary Artery Bypass surgery and/or Aortic surgery? YesNo

6. Have you undergone any medical or diagnostic tests for which you currently await results or have been advised by a doctor or a specialist to undergo any medical or diagnostic tests which have not yet been completed? YesNo

7. Within the past 5 years, have you had any signs and/or symptoms of, received treatment for, or have been advised to seek treatment regarding Drug Abuse and/or Alcoholism? YesNo

8. Are you a smoker? YesNo

CALL ME: JEFFREY 519 658 3771

Call now to connect with business.

04/28/2026

For those Corporate Owners (HOLDCO) with a retained earnings problem.

If you grow it, you will pay Passive Income Taxes.

If you take it as income, you are facing your Marginal Tax Rate.

If you die, it will all be paid out at the highest possible Tax Rate.

UGH!

Best start thinking about a Participating (Dividend Producing) Whole Life Policy. WHY?

1. All growth inside the Policy is Tax Free.
2. The Death Benefit grows with each Dividend until you stop it.
3. Maximize the Additional Deposit Option and have the Dividends pay for the Policy after 7 to 10 years.
4. As Deposits to Equity Value is nearly 1:1, your deposited Cash can be used as collateral for loans (or not), which are only paid back at either Death or the Termination of the Policy.

A collateral Loan is optional.

You may use such a Loan personally to re-invest the funds into a qualified investment. A re-investment into a Qualified Investment allows you to write off the annual Interest on the Loan. You may also write off the annual Net Cost of Pure Insurance....

RAIN CASH INTO YOUR HOLDCO

CONNECTED CORPORATIONS: If you own 10% of another Corporation, you may have all Dividends paid into your HOLDCO without Taxes being triggered.... You can use those Dividend Deposits to make deposits to your growing Par Whole Life policy.

There is no particular numerical limit to this concept.

Just Google this... and talk to your Accountant.

RESULT:

Everything you Deposit is working for you.

Values do not decrease.

After any Loans are paid up, a significant
Death Benefit will be paid out mostly Tax Free to your Heirs via the Capital Dividend Account to pay Final Expenses et al.

Happy to talk this over: Give me a call. Jeffrey 519 658 3771

Send a message to learn more

02/20/2026

A Dollar of Benefit to an employee costs less than a Dollar of Salary.

Salary Dollars - Deductibles

1. Income Tax
2. E.I.
3. C.P.P.
4. Salary Tax
5. WSIB - where applicable

It adds up!

Traditional Benefit Dollars

1. Sales Taxes
2. Service Provider Profit Target

The cost per Dollar of Claim in a Traditional Benefits Plan can be as high as $1.65 (all in)

or

New 21st Century Benefit Dollars

The Cost under the New Benefits Plans is usually around $1.30 (all in).

1. Sales Taxes
2. Admin Fees

THERE IS A BETTER WAY TO DO BENEFITS! WHY ARE YOU BURNING MONEY?

Jeffrey 519 658 3711

Send a message to learn more

01/30/2026

Financial Security is no joke. You either have it or you don't. Sadly, far too many either leave taking care of it until it is too late or they learn about NOT having it when they are living out the consequences of INACTION. No LAUGHING matter. Like I said, it's NO JOKE.

Are you AMBIVALENT about the Financial Security of your Family or of yourself? As that talented young lady sang, "Shake it off"

Pennies on the dollar, that is what it takes.

PROCESS

1. NEEDS ANALYSIS - This is not hard
2. PRODUCT CHOICE - Usually Term Insurance depending on the Needs and your age.
3. Application & Underwriting - All paid by the Insurance Company
4. Issue and Delivery - You pay your premiums and the Risk is Transfered.
000. DO NOTHING

1,2,3,4 = FINANCIAL SECURITY

000 = NO FINANCIAL SECURITY

SHAKE IT OFF!

Jeffrey 519 658 3771

Send a message to learn more

01/28/2026

Harping today on Health Spending Accounts (HSA) Benefits!

Hey business owner! Paying your employees Benefits can reduce your payroll cost. Why? BECAUSE A DOLLAR OF BENEFIT COSTS YOU LESS THAN A DOLLAR OF SALARY. That goes for your employee as well.

Benefits Dollars are not paid after CPP, EI or Income Tax etc.

1. Always include the cost of Benefits in you Salary Package Offer.
2. Any Salary increase should include a portion of increase in Benefits.

How does this Benefit a single shareholder in a Corporation?

At a 43.41% Marginal Tax Rate, your must earn $176.70 in order to have $100 NET.

By using an HSA, you can reduce that Claims dollar cost to $115.60. Just Admin and GST.

So, by spending that $100 with after tax income on things like Dental, Vision Care, Prescription Drugs, Massage Therapy etc. instead of using a qualified HSA, you are BURNING $61.10.

Now, break out your Texas Instruments Calculator and multiply $176.70 X 43.41% and see what you get.

You know where to find me. Jeffrey 519 658 3771

Send a message to learn more

01/12/2026

"RSP SEASON" GET READY FOR THE MEDIA ONSLAUGHT!

This year, this term refers to the Period between January 1 & March 2 of 2026. During this Period, FINANCIAL INSTITUTIONS such as Mutual Fund companies, Insurance Companies, Trust Companies, Credit Unions, Banks etc., are emphasizing that you need to DEPOSIT/INVEST money into a qualified account. These RSP deposits may then be used to REDUCE your Taxable Income from 2025 or 2026.

WHO BENEFITS?

1. The FINANCIAL INSTITUTIONS. For profit businesses, including people like me as well, earn money from your deposits. Some from Trailer Fees paid by the Mutual or Segregated Funds. Others via Trust Fees Etc. No one works for free. These companies offer a wide variety of Investment Options from around the World. Structure, Compliance, Research, Management etc., all costs money. The complexity is remarkable. Regulation and Oversight is strong!

2. The INVESTOR. Not only do we get to pick and chose from large lineups of investment options, but we also received a FIRST 60 DAY RSP receipt, which we can apply to our 2025 Tax Year. As long as you leave your Money in an RSP account, there are NO TAXES on growth. Taxes are applied with your withdraw.

Example:

i. 40% Marginal Tax Rate (SEE ONLINE CALCULATORS)
ii. $10,000 Deposit = $10,000 RSP receipt
= Taxable Income Reduction of $10,000 for 2025 or 2026
= Creates a $4,000 TAX RETURN {In Your Pocket}

TFSA's are valuable as well. TAX FREE growth and withdrawals. But no reduction in Income Taxes. Truly, a combination of an RSP and TFSA (Possibly a Universal Life contract) can have a major positive impact in your Retirement/Estate Planning.

At Your Service,

Jeffrey 519 658 3771

Send a message to learn more

01/07/2026

PROTECT YOUR RETIREMENT!

If you don't know about SEGREGATED FUNDS, it is likely because someone or something is NOT ALLOWED to recommend anything but the SECURITIES you are invested in. Advisors (including myself), earn income based on ASSETS UNDER MANAGEMENT (AUM). Losing your AUM means losing income AND possibly not meeting your quota's with your OVERSEERS. It is of no surprise that your full education regarding your Option is mostly on you.

One of the best questions your can ask yourself is "What about SEGREGATED FUND?"

What are "SEG FUNDS?"

SEGREGATED FUNDS are a reflection of the BASE Fund and includes an INSURED PROTECTION of your Capital.... up to 100% in the event of DEATH. So, though not a Mutual Fund, it is a Fund that mirrors the Asset Allocation of the Mutual Fund.

Why does it matter? I don't see the issue! Here are some of the Advantages of placing your Retirement Capital accounts, be they RSP's, TFSA's, RIF's or LIF's etc. into SEG FUNDS.

ADVANTAGES OF SEGREGATED FUNDS*

1. PRINCIPAL PROTECTION; With the Market at all time highs, it is best to Protect your UNPROTECTED ACCOUNTS.
2. NO PROBATE FEES PAYABLE if you name an individual or individual as Beneficiaries.
3. Not subject to your Will. Ergo, Executor Fees are NOT applicable to your SEGREGATED FUND ACCOUNT. This can easily represent ~7% of your accounts.
4. RESET PRINCIPAL: You can RESET your Principal and capture growth on a periodic basis. Sometimes, it is automatic.

*Only available via an Insurance Company. Ex. Canada Life, RBC, Industrial Alliance, Assumption Life etc.

A LITTLE BIT OF WORK COULD SAVE A LOT OF MONEY FOR YOUR CHILDREN AND GRANDCHILDREN.

At Your Service (Since 1997)

Jeff 519 658 3771

Send a message to learn more

12/01/2025

Of all the money you are going to spend on a newborn, I urge you to think hard about LONGEVITY. One day your child will be 50, 65, 75. What you spend on that child now can have an impact for their entire life and then impact your grand-children.

Spend $100/month for 10 or 20 years and buy Equity, Income and Permanent Life Insurance. How, through a Par Whole Life Policy. This is a significant investment into a Child.

1. It's PAID UP in 10 to 20 years.
2. Dividends are issued on the Policy every year.
3. The Face Value grows annually.
4. The Cash Value grows Annually.
5. Eventually, the Dividends can be turned into INCOME.

Call me to discuss this. And YES, grand-parents can set this up for their grand-children.

519 658 3771

Send a message to learn more

10/21/2025

How can I kick the Government out of my Estate?

1. Segregated Funds - Name your Beneficiaries and the funds do NOT go into your Estate. Ergo, no probate fees.
2. Life Insurance: Pays Tax Free. If you leave the funds to your Estate, that will pay the final tax bill. But it your leave the right amount of Life Insurance proceeds to a Registered Charity (Your Church, Shelter etc.) your Estate will receive a Donation Receipt. This will offset the amount of Taxes owing.

BUT WHAT IF ONE OF US IS UNHEALTHY? Then, you look at a Joint Last to Die policy....

Yes, with proper planning, you can KICK the government out of your Estate.

Happy to discuss this and other matters;

Jeffrey Young 519 658 3771

Send a message to learn more

07/18/2025

I've been hearing the term ASSET CLASS for 28 years. Don't get me wrong, it is important to know and to some level understand the difference between Equity & Income, between the Real Estate sector and Energy etc.
The one ASSET CLASS the most people don't consider, particularly for their children, is Participating Life Insurance. Guarantees abound!

Ex. Pay $100/month for 20 years into a Participating Life Insurance policy. Then, switch the Dividend direction to income.

Results:

i. Paid Up Life Insurance at 20 years. You have paid $1,200 per year. At 20 years, No More Payments!
ii. Income is paid out annually for the rest of the life of the Insured. How much? ~$69,000 by age 65 and over ~$200,000 by age 100.

OR

Stop paying at 20 years and put the Policy in a File and forget about it. Let the Dividends do their work.

Results:

By age 65, the original $70,000 policy is now just shy of $450,000 of Paid Up Life Insurance, which carries a ~$267,000 of Cash Value.
At age 70, it is now ~$516,000 and by age 80 it is ~$678,000....

All that for an original total premium of $24,000!

I would love to talk more to you about this best kept secret for life long benefit. Call me. 519 658 3771 And yes, grand-parents can own or pay for these policies.

JHY

Send a message to learn more

02/25/2025

Why are Health Benefits to your advantage? Other than the obvious care for your dental and other health needs, there is a taxable advantage as well. This is because a DOLLAR of Benefits carries less Cash Flow than a DOLLAR of Income.

Income assumes many payroll deductions;

i. Income Tax
ii. Employment Insurance (both Employer and Employee)
iii. CPP contribution (both Employer and Employee)
iv. WSIB - Not all businesses, but many. Certainly, in the trades.
v. Percentage of the Benefits Costs... Where a split is set up.

Benefits carry NONE of these deductibles per se, unless the employee is forced for pay for part of the cost. Other than a forced split of cost, the cash flow is premiums and the provincial taxes.

AXIOM 1; A DOLLAR OF BENEFITS CARRIES LESS EXPENSE THAN A DOLLAR OF SALARY.

So, why give money away when it is unnecessary?

A properly structured Benefits program, maximizes tax savings, offers the fullest flexibility on how the dollars are spent, covers the catastrophic events and brings maximum costs under control.....

AXIOM 2: The real question that your traditional benefits provider does not want you to ask is the following: "How much does it cost me per $1,00 of claim?" When you see a figure of $1.55 - $1.80 don't be surprised.

How much are you just giving away?

You know where to find me at 519 658 3771 Big Plan, Small Plan, Single Person Plan.... Please call.

Send a message to learn more

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Waterloo, ON
N2L5R9

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