Home / Financial Advisory / Insurance & Risk Management
05 — INSURANCE & RISK MANAGEMENT
PROTECTION DESIGNED AROUND WHAT YOU HAVE BUILT.
Insurance is most meaningful when it serves a larger financial purpose — protecting income, preserving wealth, supporting business continuity, and creating liquidity when it matters most. We integrate insurance and risk management into the broader financial plan, with solutions designed around your circumstances, responsibilities, and long-term objectives.
Ten points. One standard.
Lead with Integrity
Build with Purpose
Deliver With Excellence
PROTECTION WITH PURPOSE
What you protect can be as important as what you build.
Income, businesses, assets, family commitments, and future plans all carry risks that can change the trajectory of a financial strategy. We look beyond individual policies to understand where protection is needed, how much is appropriate, and how insurance can work alongside your broader wealth, retirement, estate, and business strategy.
01
FOR INDIVIDUALS
Protection that evolves with your life, wealth, and responsibilities.
“If you couldn’t work for six months starting tomorrow, what would actually happen to your household?”
The right protection strategy considers more than an insurance need in isolation. It considers your income, family, assets, liabilities, business interests, future plans, and the financial consequences of an unexpected event.
→ Life insurance planning
→ Disability income protection
→ Critical illness insurance
→ Long-term care and health insurance
→ Household income and financial risk management
→ Coverage reviews as family, income, and wealth evolve
Advanced Wealth Strategies
“As wealth grows, can insurance play a role beyond protection?”
For clients with substantial assets and long-term wealth-transfer or accumulation objectives, permanent insurance may have a role within a broader financial strategy.
→ Permanent insurance for estate and wealth-transfer objectives
→ Insurance-based wealth accumulation considerations
→ Liquidity and estate funding strategies
→ Coordination with investment, tax, and estate planning
→ Review of policy structure, funding, ownership, and beneficiaries
02
BUSINESS OWNERS & CORPORATIONS
Insurance strategy integrated with corporate structure, succession, and wealth planning.
“If you lost a key person tomorrow, does the business have the capital to navigate the transition?”
For business owners, insurance can play multiple roles — from protecting enterprise value and funding shareholder obligations to supporting succession, liquidity, and personal wealth objectives.
→ Key-person insurance
→ Business overhead protection
→ Buy-sell and shareholder agreement funding
→ Business succession and transition funding
→ Corporate-owned insurance strategies
→ Debt and obligation protection
→ Corporate liquidity and capital planning
→ Coordination of corporate and personal wealth strategies
Advanced Corporate Strategies
“Could the business structure support the retirement and wealth-transfer strategy you have in mind?”
Where appropriate, we consider advanced insurance strategies within the context of corporate ownership, retirement, estate, and succession objectives.
→ Insured Retirement Plan (IRP) strategies
→ Insurance-based corporate retirement planning
→ Immediate Financing Arrangement (IFA) strategies, where appropriate
→ Corporate-owned permanent insurance
→ Insurance and succession funding considerations
→ Coordination with accounting, tax, and legal advisors
03
WEALTH PRESERVATION, LIQUIDITY & LEGACY
Creating liquidity where other assets may not be readily available.
“When wealth needs to move, where will the liquidity come from?”
Insurance can be part of a broader strategy for preserving wealth, funding obligations, and creating liquidity for estate and succession needs. We consider the role of insurance alongside your existing assets, ownership structures, estate intentions, and broader financial plan.
→ Estate liquidity planning
→ Wealth-transfer and legacy strategies
→ Permanent insurance for estate objectives
→ Insurance funding for succession obligations
→ Trust and ownership considerations non-registered, and other investment assets
→ Coordination with tax and estate planning
→ Family wealth and legacy considerations
04
RETIREMENT & FINANCIAL STRATEGIES
Protection can also play a role in how wealth is accumulated, accessed, and transferred.
“How should today’s financial decisions support both the retirement you want and the legacy you intend to leave?”
Certain permanent insurance strategies may have a role within retirement, liquidity, and legacy planning when they are appropriate to the client’s circumstances and broader financial objectives.
→ Insured Retirement Plan strategies
→ Retirement income and legacy planning
→ Permanent insurance and long-term wealth strategies
→ Insurance-based financing considerations
→ Retirement and estate liquidity planning
→ Integration with investment and retirement planning
05
GROUP BENEFITS & EMPLOYEE RETIREMENT
Protection and benefits designed to support the people behind the business.
“Is your benefits strategy supporting the people who help create enterprise value?”
For growing organizations, benefits and retirement programs can form part of a broader people and business strategy — supporting employees while aligning the program with organizational objectives.
→ Group health and dental plans
→ Group life and disability insurance
→ Group retirement savings plans
→ RRSP and DPSP arrangements
→ Executive and enhanced benefits programs
→ Employee protection and retirement programs
→ Benefits plan review and strategic alignment
ONGOING RISK & PROTECTION REVIEW
Your protection strategy should evolve with what you are protecting.
Income changes. Businesses grow or transition. Families evolve. Wealth accumulates and ownership structures change. We periodically review your insurance and risk strategy as part of the broader financial planning relationship — considering changes in coverage, ownership, beneficiaries, liquidity needs, business interests, and long-term objectives.
Does your protection strategy still reflect what you have built — and what you intend to protect next?
INSURANCE DISCLOSURE
Insurance products and services are offered through appropriately licensed insurance professionals and are subject to applicable regulatory requirements, insurer terms, underwriting, and product availability.
Recommendations are based on individual circumstances, needs, and objectives. Applicable product details, limitations, exclusions, costs, compensation, and other required disclosures are provided as part of the insurance recommendation and application process.
Let’s build a protection strategy around your goals.
Every relationship is led personally, with a team dedicated exclusively to Financial Advisory.