Below is a list of our financial life. The purpose of this list is in case I (we) end up in an emergency situation and cannot communicate for myself (ourselves). Store this somewhere safe. A high-quality fire safe or a Safety Deposit Box. Some Lawyers will also store your will for you. That may […]
Financial Information Letter Read More »
It’s tempting to think the lowest premium today means the best value tomorrow. With group benefits, constantly shopping for a new insurer often costs more than simply partnering with a fair-priced insurer and staying put. Here’s a why. (This example is from averages I have seen over 20+ years): Using an 8 year frame
Staying with the Right Insurer Saves Money – HOW NAVIGUIDE CAN HELP Read More »
Once again, we were contacted by Benefit & Pensions Monitor to let us know we were selected as a Top 20 Brokerage in Canada for a second time. This is an amazing honour. In Canada there are about 100,000 licensed people who can sell group benefit programs. We are top 20! Further, Benefit &
NAVIGUIDE CHOSEN AS A TOP 20 ADVISORY IN CANADA AGAIN Read More »
A condition of employment We have seen it all. Businesses try to manage their benefit plan how they want. Unfortunately there are rules. If businesses don’t follow the rules, they add liability. At Naviguide, we only work with clients who will make their benefit plan 100% mandatory enrolment for eligible employees. Employees (EEs) who
PROTECTING YOUR BENEFIT PLAN Read More »
What you need to know At least once a week we get the following questions: My employee is claiming disability / or I have laid off an employee, can I remove benefits? First off, always ask us in those situations. Communication is key and the answer may change depending on the situation, the contract
ENDING BENEFITS DURING A LEAVE Read More »
GET MONEY BACK FROM CRA FOR HEALTH EXPENSES
You have a benefit plan. That plan likely covers most of your necessary medical expenses…
Medical Expenses and Your Taxes Read More »
You own an incorporated company. You hear that you should pay yourself with dividends to save some tax. The question is, “is the savings worth it”? From an insurance & financial planner standpoint I highly recommend taking a salary up to the pensionable maximum. (The amount of salary equal to the maximum amount you
SALARY OR DIVIDENDS – A FINANCIAL ADVISOR’S POINT OF VIEW Read More »
(WARNING: A RANT IS ABOUT TO ENSUE…) I have been in this business since 2002. Before that, I sold to, consulted to, and ran other businesses (big & small). I have always been fortunate enough to understand that I need to have a written emergency plan. When I owned Marathon, my will clearly stated
IS YOUR BUSINESS READY? Read More »
