Wealth Well Planned


A collaborative process where legal, tax, insurance, and investment professionals work together to create a financial success roadmap for clients. Utilizing appropriate services provided by licensed professionals.


Typically, permanent life insurance combines a death benefit with a savings portion. Death benefit meaning the gross amount of any payment made on or after death.

Combining the two allows policies to build cash value, while still being able to withdraw cash to help meet needs like paying for a child’s college education or covering medical expenses.

There are two types of permanent life insurance, ‘whole’ and ‘universal’. Whole life insurance offers coverage for the entire lifetime of the insured and its savings can grow at a guaranteed rate.

Universal life insurance offers a savings element and a death benefit, but offers different types of premiums and earns.

Term Life Insurance

When a term policy is active, and the insured passes away, a death benefit will be paid. When you compare term with permanent life insurance, cost is initially much less in a term life insurance policy.

Unlike most types of permanent insurance, term has no cash value and has many different types of policies available. Many policies offer “Level Term” policies, which offer premiums for the duration of the policy, such as 10 years for example.

Premiums for level term policies remain level for a set number of years, and after this time, the premium increases significantly. ‘Premium’ means the amount of money that an individual or business must pay for an insurance policy.

Finally, most term policies allow you to convert to a permanent policy regardless of any changes in the insured’s health.

Disability Insurance

Protect Your Income and Your Lifestyle.

Your provincial health plan can help with the medical bills.

But to replace lost income, you need disability insurance.

Critical Illness Insurance

To put it simply, critical illness insurance is designed to help pay costs associated with life-altering illnesses.

In the event of a big health emergency such as cancer, heart attack, or stroke, critical illness insurance would provide you with additional funds so you can focus on your health and not your finances.

Many people assume they’re fully protected with a standard health insurance plan, but the outrageous costs of treating life-threatening illnesses are usually more than any plan will cover.

Policyholders can choose to receive a full refund on the entire cost of insurance if no health concerns arise in roughly 15 years.

Segregated Funds

Additional insurance protection for your investments.

A segregated fund policy includes both a maturity guarantee and a death benefit guarantee.

These guarantees range from 75% to 100% of your principal investment, depending on the guarantee option you select.

Individual Pension Plan

The IPP is a retirement plan designed for people who don’t have a regular employee pension plan.

The plan is sponsored by an incorporated business for its owners or executives.

Corporate Asset Transfers

The idea is simple: Corporate Asset Transfers allow business owners with passive investment capital in their incorporated business to transfer a portion of this capital into a life insurance policy to cover key-person insurance needs of owners and executives, while also benefiting from policy growth.


Registered Education Savings Plans (RESP’s) are dedicated savings plans to help save for a future student’s post-secondary education, accompanied by grant assistance from the Government of Canada.


Registered Disability Savings Plans (RDSP’s) help save for long term financial security of a person who is eligible for the Government of Canada’s Disability Tax Credit.


Tax-Free Savings Accounts (TFSA’s) are a vehicle for Canadians 18 or 19 (differs by province) who have a valid social insurance number, to save/invest/withdraw money tax-free throughout their lifetime.

Contributions are not eligible for tax deductibility.


Registered Retirement Savings Plans (RRSP’s) are a vehicle for Canadians (spouses/common-law partners for spousal RRSP’s) to contribute to a long term retirement savings/investment account.

Withdrawls are taxed at future marginal tax rate, and contributions have tax deductibility.

Pet Insurance

A high percentage of pets (33%) will need emergency veterinary treatment every year.

75% of all dogs and cats will become ill or injured at some point in their lives.

Pet insurance takes the financial worry out of the already stressful situation of having a sick pet.

Will Documents

More than 50% of Canadians do not have a completed Will, and it’s more problematic than you think.

This “little” oversight can cost thousands of dollars in legal bills, bitter family disputes, as well as legal battles between siblings and/or their spouses.

Avoid all of this with a completed Will.

Willful is the perfect fit for “simple estates”.