Admin Updates

Alternative Benefit Plans for your Employees

2018-04-13T11:12:31-07:00October 7th, 2011|

As an employer you may be looking for a more dynamic and smarter way to offer a group benefit package to your employees. As an employee you may be looking for a benefit plan that is more customized to your own needs than the traditional group plans. Flex insurance responds to both the need for

Are Spousal RRSP’s Still a Good Idea?

2018-04-13T11:12:45-07:00May 5th, 2011|

In 2007 the tax rules changed allowing us to split pension income with resident spouse or common-law partner. You can transfer up to one-half of your pension income to your partner. (There is no actual transfer of funds involved here; you are simply recording your pension income on two different tax returns, yours and your

An Income Strategy for Retirement

2018-04-13T11:12:56-07:00May 5th, 2011|

There are numerous strategies for creating income in retirement.  If you are lucky enough to have a corporate or government pension as result of your employment this will give you an important base to start. For the rest of us though, we will be relying on our savings. In this article I am just looking

A Policy or Program: Part 2

2018-04-13T11:13:06-07:00May 5th, 2011|

When I started this discussion I had noticed that most people had bought a single policy usually a term policy. Was that what they really needed? Certainly for the short term this was exactly the policy they wanted to have. It protected them against burdening their family financially if they died prematurely. Often the insurance

A Policy or a Program? Part 1

2018-04-13T11:13:15-07:00May 5th, 2011|

Over the past few years I have helped hundreds of people apply for the life insurance policy they wanted.  It was simply a service that I was providing, tell me what you want and I will provide it.  However, looking back I see that what people wanted wasn’t always what they needed. For the most

Avoiding Impulse Spending

2018-04-13T11:13:25-07:00April 27th, 2011|

Answer these questions truthfully: 1.) Does your spouse or partner complain that you spend too much money? 2.) Are you surprised each month when your credit card bill arrives at how much more you charged than you thought you had? 3.) Do you have more shoes and clothes in your closet than you could ever