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Explore the key advantages that make our services unique. From personalized guidance to reliable support, each feature is designed to help you move forward with confidence.
Get advice that fits your unique situation. Our experts take the time to understand your needs and offer tailored solutions that evolve with you.
Whether it’s a quick question or a complex decision, our support team is here for you — responsive,professional, and always on your side.
We believe in clarity. No hidden fees, no jargon — just honest financial guidance and secure support you can count on.
We don’t just give advice and disappear. We continue to track your progress and make sure you stay on the right path toward your financial goals.
Take the first step toward protecting what matters most. Choose the insurance solution that fits your life, and let our experts guide you every step of the way.
What Is Universal Life Insurance? Universal life insurance is a flexible, permanent life insurance solution t...
✈️ Travel Insurance – Protect Your Journey with Confidence Planning a visit to Canada? Whether you're com
🚗 Compare Auto Insurance Quotes in Quebec – Referred by a Trusted Financial Advisor Whether you'r
Protect Your Health While Studying Abroad Canada is known for its publicly funded healthcare syst...
As you approach retirement, understanding how to turn your Registered Retirement Savings Plan (RRS...
Disability Insurance: Protect Your Income When Life Takes an Unexpected Turn Have you ever seen a friend, col...
Our clients are at the heart of everything we do. Their satisfaction and success are our greatest rewards. From personalized guidance to long-term financial planning, they trust us to walk with them every step of the way. Here’s what they have to say about their experience with us.
The support was exceptional from start to finish. Mr. Hilmi is a very professional and attentive advisor, always ready to answer my questions. I obtained a tailor-made coverage at a competitive rate. I will not hesitate to use their services again.
The service provided was excellent from start to finish. The team demonstrated great professionalism and answered all my questions clearly. I found an insurance plan that perfectly meets my needs. I highly recommend them.
The team provided fast and efficient service. They helped me compare different options and guided me toward the best health insurance for my family. I was impressed by their expertise and dedication. Highly recommended.
Professional, available, and attentive at all times. The team gave me sound advice and helped me choose the best insurance to cover my mortgage loan. Today, I have peace of mind thanks to their excellent support.
I had a very positive experience. The process was simple, transparent, and fast. The team guided me through each step and provided clear explanations. I now feel well protected and confident about my future.
Find quick answers to the most common questions our clients ask. From services to support, we’ve got you covered with clear and helpful information
There is no annual contribution limit for a Registered Education Savings Plan (RESP), but there is a lifetime maximum of $50,000 per child, and contributions above this may incur penalties.
The real power of an RESP lies in government grants:
The Canada Education Savings Grant (CESG) provides a 20% match on contributions (up to $500/year, with a lifetime cap of $7,200 per child).
Lower-income families may receive additional CESG and can also carry forward unused grant room, allowing up to $1,000/year when catching up.
In Quebec, families also get the Québec Education Savings Incentive (QESI)—a refundable tax credit of 10% (up to $250/year, maximum $3,600 per child).
To build on this, consider adding a group scholarship plan from the Canadian Scholarship Trust (CST)—a non-profit RESP provider since 1960 offering flexible plans with potential additional benefits parentscanada.com+7cst.org+7reddit.com+7parentscanada.compublications.gc.capublications.gc.ca+2cst.org+2myscholarhq.com+2. They also offer scholarships and bursaries, like the CST Foundation Bursaries and Founders’ Awards, which awarded over $290,000 to students in 2025 newswire.ca+1cst.org+1.
Max out the $2,500/year contribution to receive the full $500 CESG.
Use catch-up contributions to recover unused grant room.
Stay under the $50,000 cap to avoid penalties.
Consider a CST plan for added flexibility and potential bursaries.
Need help optimizing contributions or exploring CST options?
I can guide you through the best RESP options—whether individual, family, or group—from reputable providers like Experior or CST, and help you tap into every grant, scholarship, and plan available.
Yes! I offer travel insurance for Canadians who are travelling outside of Canada—for vacations, business trips, or extended stays.
Coverage typically includes:
🏥 Emergency medical expenses
❌ Trip cancellation or interruption
🎒 Lost, stolen, or delayed baggage
✈️ Flight accident and travel delay benefits
Provincial health plans provide little to no coverage outside Canada, so having proper travel insurance is essential to protect yourself financially.
As an independent financial advisor, I work with several top-rated Canadian insurance providers. This allows me to:
Compare different travel insurance options
Tailor coverage based on your destination, trip duration, and personal needs
Help you get the best price and protection for your travel plans
👉 Planning a trip soon? Contact me and I’ll help you choose the best travel insurance for your next adventure.
Critical Illness Insurance provides a tax-free lump-sum payment if you’re diagnosed with a life-altering condition like cancer, heart attack, or stroke—even if you make a full recovery. This benefit gives you financial flexibility when you need it most.
You can use the money to:
Cover medical expenses not paid by provincial health plans
Replace lost income while you take time off work
Pay for travel, private treatments, or home care
Reduce financial pressure on your family during recovery
As a licensed financial advisor, I can help you compare multiple critical illness plans across Canada and choose the one that fits your age, health, and budget.
👉 Want peace of mind for life’s what-ifs? Contact me to explore your coverage options.
Participating life insurance is a type of permanent life insurance that offers two major benefits: a guaranteed death benefit and the potential to earn dividends based on your insurer’s financial performance.
These dividends can be used to:
🔼 Increase your coverage over time
💸 Reduce your premiums
💰 Build cash value within your policy
One of the greatest advantages is that you can access the cash value of your policy while you're still alive. This can help you:
Cover unexpected medical or family emergencies
Fund a major purchase or investment
Supplement your retirement income
Use as collateral for a loan
Benefit from tax-deferred growth
As a licensed independent advisor, I work with multiple Canadian insurers to compare participating life policies and help you choose the one that fits your long-term goals.
👉 Ready to build wealth while staying protected? Book a free consultation to explore your options.
Universal Life Insurance is a type of permanent life insurance that offers both lifelong protection and a tax-sheltered investment account. It gives you the flexibility to adjust your premiums and death benefit as your needs change.
Part of your premium goes toward the insurance coverage, and the rest is invested — allowing your money to grow tax-deferred. You can choose from a range of investment options depending on your goals and risk tolerance.
It’s a great option if you want long-term protection, the ability to build wealth, and more control over how your insurance works for you.
👉 Book a free, no-obligation consultation today to explore if Universal Life Insurance is right for you.
Yes! I offer travel medical insurance for visitors to Canada, including:
🧾 Super Visa insurance (mandatory for parents/grandparents)
🧳 Tourist and visitor insurance
🎓 Coverage for international students
🛠️ Temporary worker insurance
These plans provide up to $100,000 or more in emergency medical coverage, including:
Hospitalization
Doctor visits
Prescription medication
Ambulance services
Diagnostic tests
As a licensed financial advisor, I work with multiple top-rated Canadian insurance providers to help you compare plans, premiums, and benefits. I’ll guide you to the best policy for your health, trip duration, and visa requirements.
⚠️ Note: Travel insurance is required for Super Visa applicants and highly recommended for all visitors to avoid unexpected medical expenses in Canada.
👉 Ready to get covered? Contact me for a free quote and personalized advice.