CLIENT-FOCUSSED SERVICE

Life, Health & Disability Insurance

Insurance is a necessary safeguard against risk and uncertainty, providing protection for your family and helping build your wealth.

Solutions to protect your financial security now and in the future include:

Term & permanent life insurance
Critical illness insurance
Disability insurance
Travel insurance
Long-term care insurance
Annuities (retirement income solutions)

Besides risk mitigation, benefits of insurance include:

Wealth & Estate Planning: by providing immediate, tax-free funds for estate taxes.

Tax-Deferred Growth: Permanent life insurance offers tax-sheltered investment benefits.

Income Stability: Annuities offer guaranteed, predictable income streams regardless of market performance.

Core Education and Consulting Services

Whether it's tailored to individual needs, or group settings, Capital Perspectives provides coaching and education seminars related to:

The four pillars of financial literacy (budgeting, saving, investing and debt).

Portfolio reviews and retirement readiness assessments.

CPP/OAS and government benefits education.

Estate & beneficiary planning coordination.

Designing your financial path.

Tax-aware retirement strategies..

Segregated Funds and Investments ( TFSA, RRSP, FHSA& RESP)

Segregated Funds are unique insurance products that can complement financial plans and help maximize RRSP and TFSA accounts. Key benefits include:

Managing Market Risk in Retirement

Guaranteed Principal: Seg funds provide a maturity guarantee (usually 75-100% of the original investment) with reset features that lock in gains and reduce sequence of return risk to your retirement.

Providing Sustainable Income

Guaranteed Lifetime Income: Seg Funds offer guaranteed minimum withdrawal benefits providing a predictable income stream for life.

Asset Protection

Creditor Protection: Naming a protected beneficiary (eg. a spouse or child) can protect seg funds from creditors - a crucial feature for business owners and professionals.