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No matter your situation, our advisors will work to assist you in making the best choices for your insurance and investment needs.
Life insurance is a crucial part of financial planning, and everyone should consider purchasing a policy to protect their family's future.
Insurance
Life insurance is a contractual agreement between an individual and an insurance company. In exchange for regular premium payments, the insurance company agrees to pay out a lump sum of money to the policyholder's designated beneficiary upon the policyholder's death. Life insurance provides financial security and protection for loved ones left behind. It can help cover funeral expenses, pay off debts and mortgages, and provide income replacement for those who depended on the policyholder. There are several types of life insurance policies available, including term life insurance, whole life insurance, and universal life insurance. It is important to choose the right policy that meets your needs and budget.
• Whole life, Universal life & Term life
• Mortgage Insurance
• Critical illness protection
• Disability Insurance
Working with a financial advisor can help individuals make informed investment decisions that align with your overall financial goals.
Investments
Investments are an essential part of personal financial planning as they help individuals to grow and preserve their wealth. By investing, people can diversify their financial portfolio, earn higher returns, and achieve their financial goals. Different investment options available to investors include investment funds, real estate, and commodities. However, choosing the right investment option can be challenging and requires expertise and knowledge of financial markets. This is where having a financial advisor is important. A financial advisor is a professional who understands the complexities of financial markets, and can help individuals create a well-diversified portfolio that aligns with their goals and risk appetite.
• Non-registered investments
• High interest savings accounts
• Guaranteed investment loans
• Guaranteed income for life
• RRSP, LIRA, RRIF/LIF
• Annuities
• RESP
• FHSA
• TFSA
Plan With Joy Financial Services can provide guidance on whether borrowing is a suitable option and help develop a plan to manage and pay back the debt.
Lending
Borrowing money can be a useful tool for various financial goals, including retirement savings and investments. However, it's important to carefully consider the risks and potential returns before taking out a loan. At Plan With Joy Financial Services, we know that preparing for retirement can be overwhelming, but we're here to help! Did you know that an RRSP loan can be a great way to maximize your retirement savings and reduce your tax burden? Our knowledgeable advisors can help you understand your options and create a plan that fits your unique needs and goals. Let's work together to ensure you're on track for a comfortable retirement. Contact us today to learn more!
• RRSP loans
• RESP loans
• Investment loans
• Policy loans
Planning a trip? Don’t leave unprotected. Finding the right insurance protection is simple. Select from a variety of packages, pay online and receive your travel insurance documents by email.
Travel Insurance
Travel insurance is essential when going on a trip. It is the best way to protect yourself from unexpected events such as trip cancellations, medical emergencies, and lost luggage. Without travel insurance, you could be left paying exorbitant bills in the event of an emergency. It is therefore advisable to never plan a trip without protection or leave for a trip without ensuring you have adequate insurance coverage. Travel insurance is easy to get, and there are plenty of options to suit your individual needs. Whether you are traveling for business or leisure, domestically or abroad, you can tailor your insurance protection to ensure its adequate for your specific trip.
You must be a resident of Ontario, Canada.
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Health & Dental Benefits
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