Debt affords us the opportunity to benefit from things that we may not be able to purchase in the short term, such as a home.

Death is inevitable – and sooner or hopefully later, we are going to die.  Before we do, we should take some actions to put our affairs in order.

The purpose of investing is to improve our future circumstances or future lifestyle.

Are you covered against the primary critical illnesses, such as cancer, heart attack and stroke that can cause emotional and financial distress?

Cash management is the understanding and analysis of what you earn, what is deducted (e.g. taxes), what you spend and what you save.

Your broker works for you – not for the insurance company.

Using a broker doesn't cost you more. Often it can cost you less because brokers have knowledge of the insurance market and the ability to negotiate competitive premiums on your behalf.

Estate planning can have a lasting impact on your family – though not as much as not doing it.

Investing requires the trade-off of present income (consumption) for future income (consumption). 

You will need 4 to 10 times the amount you paid for your house to enjoy a comfortable retirement.

Most of us will live a long time in retirement – possibly as many as 20 years, without generating income through employment.  

Everyone needs a financial plan for their life, from those with ten dollars to those with ten million.  Life takes money – whether you plan or not.

A popular myth is that estate planning is only for the rich among us.  However, any one who has property and wishes for a future generation will need estate planning.

Choosing the right insurance company for you is one of the most critical steps in managing your insurable risks.  It means asking all of the right questions and thoroughly investigating your options.

A home is one of the largest purchases most people make during their lifetime. Therefore, homeowners' insurance protection is critical and strongly recommended.