Manage your Registered Contributions before the end of the year!
Manage your Registered Contributions before the end of the year!
Lisa Gerrett
Our team ensures your unique circumstances and goals are fully addressed, offering peace of mind and financial security for you and your loved ones. What sets us apart is our access to a broad network of top-tier providers, enabling us to offer the best products and options available in the market. This flexibility allows us to craft personalized plans that combine life and disability coverage with investment opportunities, ensuring both protection and growth for your future.
We are experts in life insurance, disability insurance, and life insurance investment products, dedicated to providing comprehensive financial solutions for individuals at every stage of life—whether single, married, divorced, or starting fresh.
Over the past decade, we have consistently delivered positive returns for our clients, even amid economic and national challenges that have tested individuals’ resilience. Our investment approach is intuitive and tailored, designed to align with your unique interests and values.
All of our investments give you the freedom to invest while offering insurance protection to preserve your savings. Funds are invested in a pool of money spread across different investments. This gives you diversification and protects you from huge dips in the market. They have built in guarantees in the event of death, beneficiaries are chosen for privacy and estate protection from fees and taxes.
By integrating these factors into your financial strategy, we create a comprehensive investment plan that not only navigates market volatility but also supports the achievement of your long-term goals.
Our aim is to provide you with enduring financial security and peace of mind, regardless of external uncertainties.
Starting a Tax-Free Savings Account (TFSA) offers a variety of benefits that make it a powerful tool for managing your finances. Contributions to a TFSA are made with after-tax dollars, which means any investment income, such as interest, dividends, or capital gains, grows and compounds tax-free.
We are happy to discuss any of these questions in more detail with you!
Determining the right amount of life insurance depends on factors such as your income, debts, and the financial needs of your dependents. A common rule of thumb is to get coverage that is 5-10 times your annual income, but it’s important to consider additional factors like ongoing expenses, mortgage, and future educational costs for children.
Disability insurance provides income replacement if you become unable to work due to illness or injury. It’s essential because it offers financial protection during times when you can’t earn an income, helping to cover living expenses, medical bills, and other costs that continue even if you are not working.
When you have a history of disability claims or existing health concerns, it may affect your ability to qualify for coverage. Insurance providers typically review your medical history and past claims as part of the underwriting process. However, it’s still possible to obtain coverage, though it may be subject to additional terms, such as higher premiums or exclusions for certain conditions. It’s important to thoroughly discuss your specific situation with us, we can help you explore your options and find the most suitable policy for your needs.
Western Caliber Financial Inc.
Prince George, British Columbia, Canada
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