Thinking Beyond a Financial Rut

With the unfavourable prevailing economic conditions, people are undergoing a lot of stress. And if you live in Alberta then it has been magnified by ten fold so how do you think beyond this situation? The 2015 recession is going to leave its mark – in more ways than one and it’s not correcting itself anytime soon. In recent news, the major oil companies are now starting to lay people off. If you’ve been following the news, then you know it’s been an extremely crucial time for businesses, families, our children’s future, our parents who are going into retirement and much more. Suicide counts have gone up, crime rates have soared, foreclosures happening left right and centre, people are depleting their savings and RRSPs leaving them with major retirement setbacks, divorce has increased and Continue reading

Retirement – The Somber Reality and How to Fix it

Most people spend more time planning their next vacation rather than their retirement. Most people don’t even have a road map to retirement and that’s why we see baby boomers working at their local grocery store not because they are bored but because they relied on the government to retire them, and sadly it is not enough. I give credit to those that try to create their retirement plan themselves, however circumstances will dictate how things will work out and that needs to be taken into serious consideration. I have come across many that are semi-retired that kept working but had to switch careers, find something part-time, and at this rate ‘fully retired’ just means that they can’t find another job and some may never be able to fully retire comfortably and most Canadians will not be able to leave any money to their family and many more children are taking care of their elderly parents. Continue reading

Educating, Coaching and Protecting – The Work of a Guardian

Studying for my insurance license has made me realize how much I really didn’t know about company benefits, life and disability insurance, all the way to critical illness and long term disability. Like most, I thought I knew what I was covered for; however, there are so many limitations that you have to familiarize yourself with as to not be surprised when the time comes for you or a loved one to make a claim. The more people I speak with the more I realize they have no clue either. Because this hits home for me, as my mother fell ill with cancer and then finding out that she didn’t have any disability or critical illness coverage, but I’ll share that with you in later posts. My ultimate goal and where I am most in my element, moving forward, is not to be that ‘greasy insurance ‘sales’ person’ but to really educate people while coaching them on how to protect their family, loved ones and estate. LIFE HAPPENS! We do not have crystal balls.  Continue reading