Our solutions are fully integrated. We start with the basics, like products and options, but then we consider the broadest range of issues. Coverage ownership, proper integration with business and personal estate planning, Trusts and Shareholder Agreements…we consider it all. There are many different types of life insurance products available, such as Term, Universal and Whole, each of them is designed to address a different set of needs.

Cash management involves overseeing and regulating cash flow to ensure your business has the necessary funds to operate smoothly. Financial activities like investments, paying bills, and handling unexpected expenses can influence the flow of money of a business.  We can help.  We are experts in the management of short-term money.  We work with our clients to custom design solutions to increase the yield on short-term cash you want to keep liquid and accessible. Our simple and flexible treasury management solutions ensure your cash is working as hard as you do.   

Executive benefit plans are an integral component of a compensation package when it comes to attracting and recruiting Senior Executives.  Many employers require unique and innovative solutions to compensate Executives for their expertise. We specialize in enhanced life and disability coverage, flex spending accounts (HCSA/Costplus), executive medicals, and enhanced travel coverage. Individual Pension Plans (IPP) and other tax-effective savings plans can also have a big effect both in terms of retention and tax planning. 

When illness or accident strikes, Critical Illness (CI) insurance allows you to seek treatment outside of Canada, fly in family members to assist with your care, provide income replacement for a spouse acting as caregiver, or hire a nanny or eldercare. Gaining access to these services and support helps to make recovery more comfortable.