Insurances : Personal

Like most people, you probably don’t like to think about what would happen to your loved ones if you or your spouse were no longer able to provide for them. While this discussion may be difficult, it is important to remember that although we cannot predict the future, we can plan for these unforeseen events. At C Finance, we plan for the unexpected and have access to a multitude of insurance providers thereby guaranteeing you a very competitive rate while providing you and your family some peace of mind.

Life

In it’s basic form, life insurance pays a benefit upon death of the life insured. Though there are many types of life insurance that have been developed, they fall into two basic categories: Permanent and Term Life.

Critical Illness Insurance

Protects against the financial hardship caused by serious health problems such as cancer, heart attack or stroke. This type of policy pays a lump sum to the insured shortly after the diagnosis of the condition.

Disability

Disability insurance helps replace lost employment income by making payments if a person is unable to wok because of disability.

Long Term Care

Pay an ongoing monthly benefit if he or she requires constant care for a medical condition. Long term care includes a range of services that provide health and personal care for individuals who are unable to care for themselves.

Annuities

Annuities are a regular stream of payments, typically made to a retiree, at predetermined intervals, such as monthly or annually. They last for a set period of time (i.e. 20 years), or a contingent period (i.e. the lifetime of the recipient).

Key Suppliers

BMO Insurance
Canada Life
CUMIS
Empire Life
Equitable Life Insurance Company of Canada
Industrial Alliance Pacific (IAP)
Manufacturers Life Insurance Company (Manulife Canada Ltd.)
RBC Insurance
Standard Life
Sun Life
Transamerica Life Canada
Wawanesa Life

Insurances : Business

Small businesses, whether sole proprietorships, partnerships, or private corporations, depend on one or a few principal owners to ensure the continued operation of the business. If one of these key individuals becomes disabled or dies, the business will suffer and may even be forced to liquidate. At C Finance, we strive to work with our business partners to ensure that this never happens.

In today’s competitive work environment, many businesses find it imperative to maintain the best employment benefits and pension benefits possible - all the while keeping a close eye on their costs. Our C Finance team of experts can definitely help. We can ensure that you are receiving the best benefits possible at the lowest price through our relationship with numerous insurance providers.

Life

In it’s basic form, life insurance pays a benefit upon death of the life insured. Though there are many types of life insurance that have been developed, they fall into two basic categories: Permanent and Term Life.

Critical Illness Insurance

Protects against the financial hardship caused by serious health problems such as cancer, heart attack or stroke. This type of policy pays a lump sum to the insured shortly after the diagnosis of the condition.

Disability

Disability insurance helps replace lost employment income by making payments if a person is unable to wok because of disability.

Key Person Insurance

Key person insurance addresses the financial risk to a business of losing the contribution of an important employee, proprietor, partner, or shareholder through death or disability.

Buy | Sell Agreements

Sets the terms and conditions under which a deceased’s or permanently disabled interest in a business will be transferred to other interested parties.

Group Insurance

Is one under which a group policyholder provides insurance, such as life & disability insurance, for members of that group.

Group Benefits Plan

Is one under which a group policyholder provides accident & sickness benefits or extended health plans (dental, vision, travel insurance, etc) for members of that group.

Key Suppliers

BMO Insurance
Canada Life
CUMIS
Empire Life
Equitable Life Insurance Company of Canada
Industrial Alliance Pacific (IAP)
Manufacturers Life Insurance Company (Manulife Canada Ltd.)
RBC Insurance
Standard Life
Sun Life
Transamerica Life Canada
Wawanesa Life

Investments

At C Finance we believe that there’s no secret to attaining financial health; just the diligent application of proven financial principles over time. That’s why as a C Finance client, we’ll never confound you with confusing jargon or unnecessarily complicated information. You’ll always get a straightforward honest approach to your financial health.

Accumulation Of Wealth

Our team will consult with you to achieve your investment goals and objectives. We will create an investment strategy highlighting your plan and review this plan as required. We will analyze your portfolio to ensure that it meets and continues to meet your objectives.

Retirement Income

Our team will work with you to structure your investments and develop tax-efficient solutions to fund your retirement. We will also consider your other forms of income (whether government pensions, private pensions or business income) to ensure that the taxes you pay are at a minimum.

*Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.

Planning

With so much to consider, it’s easy to loose track of the big picture and know if you are doing everything right financially. That’s where C Finance can help. As a professional financial planning service, we can help you assess your complete financial situation. You’ll know where you are succeeding and where improvements can be made. We can help you meet your long-term objectives and set you on the path to optimum financial health.

Retirement

Accumulating retirement assets in a tax efficient manner and ensuring that you will not outlive your assets are typically the most common forms of retirement planning. We work with you to determine your required level of income and strategies to align your goals with your plan.

Protecting Your Family

Unforeseen events such as death or disability can severely hamper the well-being of you and your loved ones. Your plan will analyze these unforeseen events and recommend strategies which could offset these concerns.

Protecting Your Business

Our team will advise on such aspects such as Group pension plans, Group benefit plans, Key-Person insurance, shareholder agreements (buy-outs) and tax minimization.

Maximizing Your Estate

We can determine which tools will best suit your needs and ensure that you are transitioning your wealth to the following generation in the most timely and tax efficient manner.

Financial Planning Process

The financial planning process involves an assessment of your goals, developing a plan to meet those goals, implementing the plan, and a periodic review to ensure that you are on track to meet your goals. Whether it is Wealth Accumulation, transitioning your wealth to the next generation or tax minimization, if it’s in your goals, it should be in your plan.

Our financial planning process follows the following 6 steps:

   1.  One on one interview
   2.  Gather your data to determine personal goals and objectives
   3.  Analyze the information gathered and develop strategies to achieve these goals
   4.  Draw up a plan that incorporates these strategies
   5.  Implement your plan
   6.  Monitor the effectiveness of your plan and modify the strategies as required

*Mutual funds are offered through Credential Asset Management Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Unless otherwise stated, cash balances, mutual funds and other securities are not covered by Canada Deposit Insurance Corporation or by any other government deposit insurer that insures deposits in credit unions. Mutual funds and other securities are not guaranteed, their values change frequently and past performance may not be repeated.