Group insurance is a great benefit, but it usually ends when you leave that job and the group coverage amounts are often not enough to fully protect your family. Having your own policy means you're covered no matter where you work, and you can tailor it to your actual needs. The policy actually belongs to you and not your employer.  It's worth a conversation to see if what you have is truly enough. 

Term life insurance covers you for a set period of time for example : 10, 20, or 30 years; it is typically more affordable. Whole life insurance covers you for your entire lifetime and builds cash value over time. Whichone is right for you depends on your budget, your stage of life, and what you're trying to protect. I'll explain both clearly — no pressure, no jargon. 

A common starting point is 7 to 10 times your annual income, but the right amount depends on your specific situation: your debts, your family's ongoing expenses, your income, and your goals. In our free consultation, we walk through this together so you get a number that actually fits your life, not a generic estimate. 

Possibly! They serve different purposes. An RRSP reduces your taxable income now and is great for retirement savings, especially if you're in a higher tax bracket. A TFSA on the other hand grows tax-free and gives you flexibility to withdraw anytime. Many families benefit from using both strategically. We'll look at your income, goals, and timeline to figure out what makes sense for you. 

The First Home Savings Account (FHSA) lets first-time home buyers save up to $40,000 tax-free toward a home purchase (first home). Contributions are tax-deductible like an RRSP, and withdrawals (for your frist home) are tax-free like a TFSA. If buying a home is on your horizon, it's one of the best accounts available to Canadians right now and worth setting up sooner rather than later.

Yes! An RESP (Registered Education Savings Plan) is one of the best things you can do for your child's future. The government matches 20% of your contributions through the Canada Education Savings Grant , that's free money up to $500 per child, per year. In Quebec the government adds 10% of your annual RESP contribution up to $250 per child, per year. I help families set these up and choose the right investment options inside the account. 

It's a relaxed 20-minute conversation, no sales pitch, no pressure. We talk about where you are financially, what's keeping you up at night, and what you're hoping to protect or build. From there, I can recommend the right next steps. You leave with clarity, not homework. 

For life insurance and investments I'm compensated by the insurance company you don't pay me directly. For financial literacy and coaching services, we'll discuss any costs clearly upfront before you commit to anything. Transparency is a core part of how I work. 

Yes! I'm Montreal-based and licensed to work with families across both Ontario and Quebec. I'm fluent in English, French and Dutch, so we can have our conversation in whatever language you're most comfortable with. 

Absolutely. Many of my clients are newcomer families navigating Canada's financial system for the first time. I explain how Canadian accounts like the TFSA, RRSP, and RESP work, how life insurance is structured here, and what options make the most sense for your family's situation in plain language, at whatever pace works for you.