Hannah Plouffe, Financial Security Advisor

10/13/2026

If you're self-employed or run your own business, here's a question worth asking: if you couldn't work for three months, what would actually keep paying you?

A lot of business owners assume they're covered by EI, workers' compensation or a group plan. Often they're not, or the coverage is much smaller than they expected. About 1 in 3 Canadians will be disabled for 90 days or more at least once before age 65.

I put together a free guide that explains it in plain language:

- The three safety nets business owners often assume they have

- What EI, workers' compensation and group plans really cover for owners

- A short checklist to find your gaps

If you'd like a second set of eyes on your coverage, I offer a free one-hour review. No cost and no pressure.

10/07/2026

This is part of a client proposal I made this week for a client who is looking to cover his two sons, ages 6 and 8, with permanent insurance coverage. Using iA's participating life product, this is what just $100.00 month for 20 years can build.

10/04/2026

08/22/2026

Getting sick is stressful enough — your finances don’t need to add to it. 🤍
Critical Illness Insurance can give you a lump-sum payment to use however you need while you focus on getting better.
And with some policies, a Return of Premium rider may even give you money back if you never need to make a claim.*
Swipe for some common myths vs. realities ➡️
Questions? Send me a message! 💬

07/27/2026

📚 RESP Matching Explained: How the Government Grants Help You Save

One of the biggest advantages of opening a Registered Education Savings Plan (RESP) is that the Government of Canada helps you save through the Canada Education Savings Grant (CESG).
Here's how it works:
💰 For every $100 you contribute to your child's RESP, the government can add $20.
That means:
✔️ Contribute $500 → Receive $100 from the government
✔️ Contribute $1,000 → Receive $200 from the government
✔️ Contribute $2,500 in a year → Receive the maximum standard annual CESG of $500
Your contributions and the government grant are invested together, giving your child's education savings more opportunity to grow over time.
Did you know?
The basic CESG is available to most Canadian children who qualify.
Some lower- and modest-income families may qualify for additional CESG, increasing the government contribution.
If you've missed contributing in previous years, you may be able to catch up on unused CESG, subject to annual grant limits.
Whether your child dreams of attending university, college, or a skilled trades program, an RESP can help make those goals more affordable.
Not sure if you're maximizing the government grants available to your family?
📩 Reach out today—I'd be happy to review your RESP strategy and help you make the most of the savings opportunities available.

07/23/2026

🌱 The Biggest Advantage in Investing Isn't Finding the Perfect Investment… It's Time.
One of the most valuable assets you have when it comes to building wealth isn't luck—it's time.
Whether you're saving for retirement, your first home, your child's education, or simply your future, starting early allows your money more time to grow.
Even small, consistent contributions can make a meaningful difference over the long term.
This is why I often encourage clients to start before they think they're "ready." You don't need to have everything figured out—you just need a plan.
No matter where you are on your financial journey, it's never too early—or too late—to take the next step.
📩 If you'd like to talk about your financial goals, send me a message to book a complimentary financial review.

07/05/2026

Summer Is Here! ☀️

Summer often brings a change of pace. Whether you’re taking vacation time, spending evenings at the cottage, or simply enjoying longer days with family, it’s also a great opportunity to check in on your financial goals.

While life slows down a little, ask yourself:

✅ Are you making the most of your child’s RESP and available government grants?
✅ Is your family’s insurance coverage still meeting your needs?
✅ Are you on track with your retirement and savings goals for the year?

Sometimes all it takes is a 30-minute conversation to make sure your financial plan is working as hard as you are.

If you’ve been meaning to review your finances but haven’t found the time, summer can be the perfect opportunity.

📩 Send me a message to book your complimentary financial review.

06/09/2026

Markets change. Your financial plan shouldn’t rely on hope alone.
Segregated funds can help combine long-term growth potential with estate protection features that many Canadians don’t even realize exist.
From locking in gains with resets to helping beneficiaries avoid probate delays, these strategies can play a powerful role in retirement and estate planning.
If you want to understand how they work — or whether they make sense for your situation — feel free to reach out.
WealthProtection

05/05/2026

I talk to a lot of parents who have an RESP…
but aren’t actually maximizing it.

They’re contributing — but missing grants, timing, and growth.

The Registered Education Savings Plan isn’t just a savings account — it’s one of the best structured wealth tools for families in Canada when used right.

Small adjustments now = thousands more for your child later.

04/30/2026

By working with a financial security advisor, we don’t just open an RESP — we:
    •    Build a custom contribution plan
    •    Track your grant eligibility
    •    Optimize timing for maximum government funding