I believe the client should have Control, get value for their money, have choices and flexibility both now and in the future. I provide honest, clear, useful and customized advice to my clients relating to: 1) Life, Critical Illness, Long Term Care, Disability, Health, Mortgage, and Visitors to Canada Insurance. 2) RRSP, TFSA, GIC, RESP, RRIF, Savings Plans, and Leveraged Investments. 3) Employee Benefits for small and large businesses. Retirement, Education, and Estate Planning.