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Plan your future with Joy.
© 2026, Plan With Joy Financial Services Inc. All Rights Reserved
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, Investment funds, GIC, RRSP, RESP and Investment lending.
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© 2023 Plan With Joy Financial Services Inc.
Spring break is calling and you need to secure your trip. ✈️🌴🧳 Purchase travel insurance directly through the Plan With Joy website.
Travel insurance protects you from unexpected cancellations, medical emergencies, and lost luggage—so you can travel with peace of mind.
Get coverage today – go to planwithjoy.ca
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⚠️ March 2nd is your RRSP deadline. Here’s why it matters.
An RRSP contribution gives you:
✓ An immediate tax deduction (claim it on your 2025 return)
✓ Tax-sheltered growth on your money
✓ A head start on retirement savings
The best time to contribute was yesterday. The second best time is today.
If you’ve been thinking about it but haven’t taken action, we’re here to help make it simple.
Let’s chat. Contact us at 905-579-7890 today.
planwithjoy.ca/products
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Winter is the perfect time to pause and reflect on your money mindset. How do your finances make you feel? At Plan With Joy Financial Services Inc., we believe financial wellness is about confidence and peace of mind.
Let’s set intentions together for a prosperous, joyful year! Contact us today at 905-579-7890
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A new year means new opportunities! What are your financial goals for 2026?
Whether it’s saving for a home, investing in your future, or creating a solid plan for your family, Plan With Joy Financial Services Inc. is here to support you every step of the way.
Let’s make those resolutions a reality—reach out to start planning. Contact us today at 905-579-7890
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Happy Holidays from Plan With Joy Financial Services!
We’re grateful for your trust and partnership this year. Wishing you a joyful holiday season filled with peace, laughter, and time with loved ones.
See you in the new year!
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Planning a getaway this winter? ✈️ 🧳 🌴 Don’t forget to pack peace of mind—travel insurance is your safety net for the unexpected!
Whether it’s a quick weekend escape or a long-awaited family vacation, travel insurance helps protect you from trip cancellations, medical emergencies, lost luggage, and more. We’ll help you find the right coverage so you can focus on making memories, not worrying about “what ifs.”
Ready to travel confidently? Purchase travel insurance right from our site! Go to 👉🏼 planwithjoy.ca
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Holiday spending doesn’t have to mean holiday stress! Here are 3 tips to keep your budget merry and bright this December:
❶ Make a gift list (and stick to it!)
❷ Set spending limits for each category or person
❸ Shop early to avoid last-minute splurges
Need help creating a budget? Use our free tools on planwithjoy.ca
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The deadline for FHSA (First Home Savings Account) contributions for the 2025 tax year is December 31st. We recommend making your contributions before mid-December to avoid any last-minute hiccups.
Questions about maximizing your FHSA? We’re here to help! Contact us today at 905-579-7890
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Big news for families and individuals with disabilities!
RDSPs (Registered Disability Savings Plans) are now available at Plan With Joy Financial Services Inc.
Previously only offered through select banks, Empire Life is the FIRST insurance company to bring you this crucial product—now accessible through your trusted insurance broker.
Learn more: empire.ca/RDSP
Contact us today at 905-579-7890
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We’re excited to share that the Registered Disability Savings Plan (RDSP) will soon be available through Plan With Joy Financial Services!
What is an RDSP?
An RDSP is a government-supported savings program designed to help Canadians with disabilities (and their families) save for the future.
Why it matters:
🟡 Contributions can grow tax-deferred.
🟡 Eligible individuals may receive government grants and bonds to help their savings grow faster.
🟡 Funds can be used to support long-term financial security.
Stay tuned for more details on how we can help you (or someone you love) set up and make the most of an RDSP.
Have questions already? Reach out—we’d love to help! 📲 Call us at 905-579-7890
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Thinking about buying your first home next year? The First Home Savings Account (FHSA) is a game-changer. Contribute tax-free and use your savings toward your down payment. Don’t miss out on this powerful new tool—now available at Plan With Joy Financial.
👩🏽💻 planwithjoy.ca 📱905-579-7890
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Did you know you can borrow strategically to contribute to your RRSP or RESP and benefit from potential tax savings and government grants?
When done right, lending can be a tool—not a trap. Let’s explore the smartest options for your situation.
Contact us at info@planwithjoy.ca or 905-579-7890 today!
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