Risk Management/Asset Preservation Many people are concerned about their financial security in retirement and preserving the value of their estate for the next generation. Asset preservation is an integral component of any financial plan. Insurance can play an important role in your financial plan as a tax-efficient asset preservation tool. We can provide you with the insurance solutions best suited to complement your wealth management strategy. Registered Asset Preservation Learn how life insurance can be used to preserve your RRSP or RRIF capital for your chosen beneficiaries. Estate Preservation Make sure that your estate is distributed according to your wishes and use life insurance as a tool for paying estate settlement costs or for estate equalization among your heirs. Charitable Giving Take advantage of the attractive income tax benefits from using life insurance for charitable giving. Critical Illness Due to advances in medical science, many people today survive a critical illness. However, quite often their finances do not. A lump sum benefit payment may be used for access to specialized medical care when and where you want so you can focus on recover Income Generation Regardless of where you are in your life, you need income to support your lifestyle. Put plans in place in your income earning years to ensure your income will continue uninterrupted if you are hit by disability. If you have a family to support, life insurance may be the appropriate financial tool to consider to help replace your income in the event of your premature death. Your retirement years will see the conversion of your assets to income. A variety of insurance strategies are available to either supplement retirement income on a tax-preferred basis, pay for long-term care expenses or perhaps give you the choice of maximizing your retirement income while still leaving a legacy for your heirs.