Our Advisors

FINANCIAL PLANNING
TEAM

John V. Sabourin
Certified Financial Planner

Robert C. Kimball
Financial Advisor

Barry Laberge
Certified Financial Planner

Reg Whaley
Financial Advisor

Robert W. (Bob) Rowe
Certified Financial Planner

David S. Brady
Certified Financial Planner

Cathie James
Financial Advisor

Janet W. Peters
Certified Financial Planner

Rodger Cleland
Financial Advisor

EMPLOYEE BENEFIT
PLANNING TEAM

John D. Harkins
Employee Benefits & Pensions Specialist

Gordon R. Hart
Employee Benefits & Pensions Specialist

J. Wayne Koch
Employee Benefits & Pensions Specialist

Kevin L. Routley
Employee Benefits & Pensions Specialist

Leanne Bayley
Employee Benefits Consultant

About Us

Everything You Need to Know About Tax-Free Savings Accounts (TFSAs)
Until 2009, most Canadians held their savings in RRSPs, where they could claim a deduction for their contributions and then defer tax on withdrawals until retirement. The newest savings vehicle available to Canadians is called a Tax-Free Savings Account (TFSA). Whether you are saving for the short term (0-5 years) or for the longer term (6 years and beyond) a TFSA can be a valuable addition to your financial plan. When used to its full advantage, a TFSA can be a powerful tool to save money in a tax free environment.

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Could Your Company Survive Without You?
So your company just wouldn't be the same without you, you savvy entrepreneur? It would suck wind without your magic touch in attracting clients, or wither without your creative genius? Or perhaps your business depends heavily on a key employee, whose absence would be a disaster?

Don't worry. There's insurance for just such a scenario. It's called key person insurance: a policy held and paid for by the company to insure it against the loss or disruption caused by the death or disability of a crucial staffer. Unlike personal life insurance, the proceeds are paid to the company, which can use the money any way it deems appropriate. You could use the funds to hire a temporary replacement or an outside consultant, cover your payroll or rent, placate the banks or nervous investors, or even wind up the enterprise in an orderly fashion and pay off the firm's debts if it loses a key player.

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Focus On...
Things You Should Know About Group Long Term Disability (LTD)
Reliable disability insurance coverage is a critical part of your financial planning. However, most people don’t really know what their Group LTD insurance would cover if they became sick or injured. Why not take a few minutes to review your group benefits booklet? Here are some things to look for...

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Is Your Business Prepared for the Sudden Departure of One of its Owners?
Without a buy-sell agreement, you may be posting a "For Sale" sign.

If your business loses an owner, the remaining owners must decide how the business will continue. Generally, you have four options. You can close down the business but you likely wouldn't want to after all the time, energy and money you've put into it. You can continue the business with the new owner (for example, the spouse of the deceased owner), but do you want to be in business with this person? You can sell your shares, but who will buy them and at what price? Or finally, you can purchase the shares from the deceased owner's estate.

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No communication, article, information or advice on this web site constitutes or implies in any way a solicitation of business. Please remember that while strategies outlined within this newsletter may be appropriate for some employers, you should always consult a benefits specialist to determine if they are appropriate for your company.