Faq

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.

📌 Why plan strategically?

• 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.

📞 Book your free consultation here.

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

🧠 Living benefits — Use it while you're alive:

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.

🔗 Learn more about other life insurance options here.

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.

Yes! We provide comprehensive health insurance for international students in Canada. These plans include:

• ✅ Emergency medical care

• ✅ Doctor consultations and walk-in clinics

• ✅ Hospitalization and surgeries

• ✅ Prescription medications

• ✅ Emergency dental treatments

• ✅ Vision exams and eye care

• ✅ Pregnancy-related follow-ups

👨‍👩‍👧 Optional family coverage is also available for spouses and dependent children.

As an independent financial advisor, I work with top Canadian insurers to help international students find the best plan based on their health, visa, and province of study.

🧾 Get a personalized quote or buy coverage online right now:
👉 Click here to get started

📩 Prefer speaking with someone? Contact me for personalized guidance.

A Tax-Free Savings Account (TFSA) allows Canadians to grow their savings and investments completely tax-free. Any interest, dividends, or capital gains you earn inside a TFSA are not taxed, even when you withdraw the money.

You can use a TFSA for both short-term goals (like buying a car or taking a vacation) and long-term goals (like retirement or a down payment on a home).
Unlike RRSPs, TFSA withdrawals won’t affect your taxable income or reduce your government benefits like GIS or Old Age Security.

There’s a yearly contribution limit, and any unused room carries forward. You can hold a variety of investments in a TFSA, including GICs, mutual funds, stocks, and ETFs.

👉 As your financial advisor, I’ll help you choose the best TFSA investment strategy based on your goals and risk profile.
📞 Book your free, no-obligation consultation today and start growing your savings—tax-free.

🔗 Learn more about TFSA rules from the CRA

A Registered Education Savings Plan (RESP) is one of the most effective tools to save for your child’s post-secondary education. It offers tax-deferred growth and access to generous federal and provincial grants, including exclusive benefits for families in Quebec.

At the federal level, the Canada Education Savings Grant (CESG) adds 20% to your annual contributions, up to $500 per year, and a lifetime maximum of $7,200 per child. Families with modest income may also qualify for the Canada Learning Bond (CLB) — up to $2,000 per eligible child without any contribution required.

In Quebec, the government offers an additional incentive through the Quebec Education Savings Incentive (QESI). This is a 10% refundable tax credit on the first $2,500 contributed annually to an RESP — up to $250 per year, plus possible catch-up amounts. The lifetime maximum from QESI is $3,600 per child.

All investments inside an RESP grow tax-free, and when your child withdraws the funds for school, they pay little to no tax due to their low income.

As a licensed financial advisor in Quebec, I help you maximize all available grants — federal and provincial — and choose the right RESP provider for your family’s goals.

📞 Contact me today to open an RESP or compare plans available in Quebec.

🔗 Official CRA TFSA Information

My consultations are completely free. As a licensed financial security advisor in Quebec, I’m paid directly by the insurance and investment companies I work with — never by you.

This means you get personalized advice at no extra cost, whether you're:

• Protecting your family with life or critical illness insurance

• Saving for retirement or education (RRSP, RESP, TFSA, FHSA)

• Applying for mortgage protection, travel insurance, or disability coverage

There are no consultation fees, no hidden costs, and no obligation to buy.

💼 What’s Included in a Free Consultation?

• An independent needs analysis

• Comparisons of insurance and savings options from top providers in Quebec

• Professional recommendations based on your budget and goals

💡 Want expert help at no cost? Contact me today for your free consultation — online or in person.

Learn more about the role of financial advisors in Quebec at lautorite.qc.ca.

Choosing an independent insurance advisor gives you access to a wide range of insurance companies, instead of being limited to just one. I compare quotes and coverage from multiple top-rated providers to help you find the best plan for your needs and budget.

You benefit from unbiased advice, flexible options, and competitive pricing — whether you're looking for life insurance, critical illness, or travel coverage. My goal is to match you with the right coverage, not to sell you one company’s product.

📞 Contact me today to explore your best options with expert guidance.

Yes! While I don’t offer debt consolidation loans directly, I work with trusted partners in Quebec who specialize in helping you reduce your monthly payments and manage your finances more effectively.

Debt consolidation involves combining multiple debts—such as credit cards or personal loans—into a single loan with a lower interest rate. This simplifies repayment and can reduce your overall financial stress.

I’ll refer you to reputable specialists who can tailor a solution to your situation. I can also help you integrate debt strategies into your broader financial plan for long-term stability and peace of mind.
👉 Contact me for a free referral and guidance.

Yes! While I don’t offer mortgages directly, I work closely with trusted mortgage specialists across Quebec to help first-time homebuyers and homeowners find the best solutions.

Whether you're looking for a traditional mortgage, pre-approval, refinancing, or a reverse mortgage, I can connect you with professionals offering competitive rates and personalized service. They'll assess your income, credit history, and goals to guide you through the process.

As your financial security advisor, I ensure your mortgage fits into your overall financial plan—combining protection, savings, and long-term stability.
👉 Contact me for a referral and expert guidance.

Absolutely! You don’t need a large sum to begin investing. As a licensed financial security advisor in Quebec, I can help you start with as little as $25/month using accounts like RRSPs, TFSAs, FHSAs, Locked-In Accounts (LIRA/LIF), or non-registered investment plans.

We’ll create a personalized investment strategy that matches your goals, risk tolerance, and budget. Starting small allows you to build healthy financial habits and benefit from long-term compounding growth—even if you’re just getting started.

👉 Contact me for a free consultation and start investing confidently today.

Yes! As a licensed financial security advisor and authorized representative of CST, I help families open and manage Registered Education Savings Plans (RESPs) in Canada.

With an RESP, you can grow your savings tax-free while receiving generous government grants — including up to $7,200 from the federal CESG and additional contributions from Quebec’s QESI program. These incentives make RESPs one of the best ways to fund your child’s college or university education.

I’ll help you build a plan that fits your budget and education goals.
👉 Contact me to get started or book a free consultation.

Working with a financial security advisor means you get expert guidance to help you protect your family, grow your wealth, and plan for the future. I take the time to understand your personal and financial goals, then build a tailored plan that covers insurance, savings, investments, and retirement strategies.

As a licensed advisor in Quebec, I work with many of Canada’s top insurance companies to give you access to competitive products and unbiased advice. Whether you're just starting your financial journey or planning for retirement, I’m here to help you make informed, confident decisions.

👉 Contact me to start building your personalized plan.

Yes, our customer support team is available 24/7 for all your insurance-related questions and needs in Canada. We understand that emergencies don’t follow business hours. Whether you're inquiring about a life insurance claim, updating your RESP, or need help understanding your coverage, our team is ready to assist you in both English and French.

You can contact us via:

• 📞 Phone

• 📧 Email

We typically respond within a few minutes. Get in touch anytime here: Contact us

Filing an insurance claim in Canada is quick and straightforward. Whether it's for life insurance, critical illness, or disability, here's how to do it:

1. Gather the required documents: your policy number, a valid ID, and any relevant medical or legal documents (e.g., death certificate, diagnosis report).

2. Contact us through our online contact form, by phone, or via email.

3. Submit your claim: Our team will guide you through the process and make sure all documents are complete.

4. Claim review and processing: Most claims are reviewed within 5 to 10 business days.

5. Receive your benefit payment: Once approved, the funds are sent to the designated beneficiary or account.

You can also submit your claim online if available, or speak directly with your licensed financial advisor for assistance.

Our support team is available 24/7 in both English, French and Arabic to help you every step of the way.

Absolutely! We offer flexible insurance solutions that grow and adapt with your changing needs. Whether you're reviewing your life insurance, critical illness, or disability coverage, you can customize your policy in many ways:

• 🛠️ Increase or decrease your coverage as your financial situation evolves

• 🔄 Add or remove riders (such as child coverage or premium return options)

• 👨‍👩‍👧‍👦 Update your beneficiaries or switch between term and permanent coverage

• 📈 Adapt your plan to life milestones like having a baby, buying a home, or starting a business

• 💡 Combine investment options (RRSP, TFSA, RESP) with your protection plan for long-term strategies

We review your plan regularly to ensure it still fits your goals.
👉 Ready to adjust your coverage? Contact us today and speak with a licensed financial advisor.

You can get a free, no-obligation quote by filling out a quick form on my website. Just choose the type of insurance you're interested in—life, travel, critical illness, or health for visitors or international students—and enter a few basic details.

You'll receive an instant quote or a follow-up with personalized options within 24 hours.
As a licensed independent advisor in Quebec, I compare offers from multiple insurers to find you the best coverage at the best rate.

👉 Get your quote here or use this direct quote link for visitor health plans.

As a licensed financial security advisor in Québec, I offer a wide range of personal and business insurance solutions, tailored to your unique needs and goals. These include:

• ✅ Life Insurance – term, whole life, and participating policies to protect your loved ones

• ✅ Health Insurance – coverage for critical illness, disability, drug and dental care, and more

• ✅ Travel Insurance – for Canadians going abroad and visitors to Canada, including Super Visa

• ✅ Vehicle & Home Insurance – through trusted partners for auto and property protection

• ✅ Business Insurance – coverage for key employees, buy-sell agreements, and more

• ✅ Pet Insurance, loan protection, and mortgage referral services

👉 As an independent advisor, I work with multiple top-rated Canadian insurance companies to offer you personalized coverage at competitive rates.

📞 Contact me today for a free consultation or request a quote online:
🔗 Get a Quote or Book a Free Consultation