





retirement today.




Don't leave
unprotected.

Joy Russell, Founder & Executive Director

Plan with Joy Financial Services Inc. specializes in Permanent and Term Life Insurance, Critical Illness Insurance, Income replacement plans, Individual and Group Health and Dental benefits, GIA, RRSP, RESP, FHSA, TFSA, Non-registered Investments and Investment Loans.
Our Products

Unable to work?
Creating a safety net of benefits can preserve your wealth and protect your standard of living.

Protect loved ones.
Our life insurance solutions help provide financial security for your loved ones in the event of death.

Plan for retirement.
Rest easy knowing that your money is working for you.

Buying a home?
See how we can work with you to achieve your goal.
Companies We Represent







Why Choose Us
The Value of an Advisor
No matter your situation, Our advisors will work to assist you in making the best choices for your insurance and investment needs.



Our client-centered approach to advising ensures that our recommendations are consistent with the needs of the client.


Our Mission
Our goal is to educate our clients on the value of insurance and investment products and how they can benefit themselves and their family.
During this time of reflection, we wish you a season filled with fresh starts, sweet moments, and the joy of new possibilities—financially and personally.
Here's to growing your nest egg and enjoying every step of the journey. Happy Easter from Plan With Joy Financial Services 💛
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Ready to take control of your finances? Start with these 5 steps to financial freedom:
⓵ Create a realistic budget.
⓶ Pay down high-interest debt.
⓷ Build your emergency fund.
⓸ Start investing for the future.
⓹ Set achievable financial goals.
Let’s create a plan that works for YOU. Learn more about our products at planwithjoy.ca
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Think life insurance isn’t for you? Think again! Life insurance is valuable at every stage of life, especially as you:
🟡 Plan your legacy and leave something for your loved ones.
🟡 Cover final expenses, so your family isn’t burdened.
🟡 Protect your retirement savings from unexpected costs.
It’s never too late to secure peace of mind. Let’s explore life insurance options that work for you and your family. Contact us today to start the conversation. Call 905-579-7890
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