COVID-19 Update.

Emergency Response Benefit - $2,000/month for up to 4 months.

Who Can Apply? Self employed Canadians, contractors, freelancers, part time workers, and cultural workers, in self isolation or taking care of their loved ones. Laid-off workers who have applied for EI due to coronavirus-related job losses will instead get this $2,000 benefit for up to four months, after which they will be switched-over to standard EI if they are still out of work.

Special Child Tax Benefit - $300/child.

Who Can Apply? Parents/Guardians of one or more children under the age of 18.

GST Credit - Average $400/individuals and $600/couples.

Who Can Apply? Low and Moderate Income Families.

HST & GST Payments - Deferred to June, 2020.

*link not available yet

75% Wage Subsidy - 75 percent of employees salary covered, on the first $58,700 earned this year, equals up to $847 per week for up to 3 months. The program will be backdated to March 15.

Who Can Apply? Businesses Suffering at Least a 30% Loss of Revenue.

Canada Emergency Business Account - up to $40,000 interest-free loans for one year.

Who Can Apply? Small and Medium-Sized Businesses.

*link not available yet

Business Credit Support - $10 Billion Credit Support to Get Financing for Business Owners.

Who Can Apply? Small Businesses.

Insured Mortgage Protection Program - $50 Billion for Mortgage Payments, Deferrals, and Payment Arrangements.

Who Can Apply? Individuals and Business Owners.

Mortgage Deferral - Up to 6 Months Deferral on Mortgage Payments, Skip a Payment, Automobile Loans, and Credit Cards.

Who Can Apply? Case by Case Basis. Speak With Your Bank for More Information.

RRIF Withdrawals - Temporarily Reducing the Minimum Withdrawal on RRIF by 25%; OAS, CPP Will Come as Usual.

Who Can Apply? Seniors.

Canada Student Loans - 6 Months Interest Free on Student Loans.

Who Can Apply? Previous Post Secondary Students.

*Application portals should be available around April 6th, 2020 on the government of Canada website. Best to ensure "My Account" is set up on with the direct deposit option selected.


Justin Manning is an independent financial advisor prioritizing clients best interests above everything else. After eight years as a group fitness and personal trainer, Justin completed his Life License Qualification Program (LLQP) in 2016 and his Canadian Investment Funds Course (CIFC) in 2018. Justin received high level industry training under one of Canada's largest insurance and investment firms during the beginning of his career.


Passionate About Wealth Growth

Providing a wide range of assets and opportunities for Canadians to secure a prosperous financial future for generations to come. Justin has been a proud member of Advocis since 2016. Advocis, The Financial Advisors Association of Canada, is the largest voluntary professional membership association of financial advisors in Canada, representing more than 13,000 members and 40 Chapters across the country. Enhancing the professionalism of financial advisors in the best interests of the consumer.

Knowledgable Advisor With Years of Experience

Justin has been an entrepreneur his entire life, specializing in helping clients live healthy lifestyles. He has offices in Vancouver and Langley, British Columbia. After two years in the industry, Justin realized he could provide more value for his clients as an independent broker rather than an agent or employee of one single firm. In partnership with Managing General Agency HUB Financial, Justin bridges the gap between his respected clients and all their many options to choose from.

Health and Wellness Advocate

Lastly, he's an aspiring philanthropist with brief experience during the trip of his lifetime to Ethiopia. Together with you, Justin looks forward to improving the communities and the environment around us all. Justin has been eating 100% plant-based vegan food since 2010 and he aims to continue educating his clients about it's powerful health benefits. It is better to stop something bad from happening than it is to deal with it after it has happened, prevention is better than cure.


Peace On Earth.


Helping Canadians secure prosperous financial futures.


Compassion, Sustainability, and Legacy.



  • Permanent Life Insurance
  • Term Life Insurance
  • Critical Illness Insurance
  • Disability Insurance
  • Segregated Funds
  • Annuities
  • Long Term Care Insurance
  • Personal Health Insurance
  • Extended Health Benefits Plans
  • Health Spending Account
  • Wellness Spending Account
  • Flexible Spending Account
  • Cost Plus Program
  • Employee Assistance Program
  • Group RRSP’s
  • Group TFSA’s
  • Travel Insurance