We are collaborative, authentic and values oriented
WORKING WITH CANADIANS TO MEET YOUR FINANCIAL OBJECTIVES
OUR TEAM
Andrea
For insurance needs, she assists clients in reviewing existing coverage to reduce premiums, eliminate overlap, and provide the best possible rates by accessing the full market of providers.
Email : alsullivan@growandprotect.ca
Archie
He is a management professional with 35 years’ experience in:Private banking requirements, personal trust services, estate planning, trusteeships and wills,Wealth management
Email : awsullivan@growandprotect.ca
WHAT OUR CLIENTS SAY
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OUR SERVICES
Growing Assets
We can offer a full complement of accounts (RSP, Spousal RSP, TFSA, RESP, Non-registered, LIRA, RRIF LIF) with experienced Lipper Award winning managers. We monitor our selections carefully for results, seeking a reduction in volatility for the return achieved. We have found most clients are more comfortable with results that involve steadier returns without big swings. Setting up a financial plan with targets to achieve the retirement you prefer is a worthy process to enhance your results. We have experience with leverage strategies too for those with more risk tolerance
GROWING ASSETS THROUGH REFERRAL PARTNERS
To expand our product shelf we work with exceptional partners we have found through a rigorous selection process to offer referral into private providers not available via the retail market, for additional asset classes such as stocks, bonds, flow-through shares, impact investments, managed ETFs, professional portfolio management and revenue generating real estate.
TERM LIFE INSURANCE
Term Life Insurance is necessary to protect dependents during an adult’s working life. Term is suitable for two temporary needs: debt elimination and Income replacement. Losing a spouse is traumatic enough without finding oneself financially desperate or forced to give up the family home. It is even more important to provide enough to help financially raise your children. We have the extensive experience to establish the best term length, and a mathematical process to right-size the ideal amount of protection, a full range of Canadian carriers with whom we deal directly to give you the lowest rates in Canada. Call us for a quote.
Disability Income Replacement
Disability Income Replacement is the most necessary of all insurance products. Claims tell us that one in 3 to 4 policies will experience a claim before age 65. Many self-employed go uninsured or underinsured in this critical category of protection. There are some excellent carriers and products in Canada and ways to get protected with either more benefits and options, or lower costs depending on your budget. Call us to discuss your needs so we can work with you to find the best fit for your risks and budget.
Creditor Disability Protection
We have found a carrier who offers an excellent supplement to top up group disability protection that does not offset against existing disability insurance. With the large mortgages in the Lower Mainland, most breadwinners have inadequate monthly benefit. It is a fact that 50% of mortgages in foreclosure are due to a disability. Even a top up of $500 to $1000 a month can make a huge difference.
Underwritten only once, at issue, this product can protect you to age 65 (with no connection to your lender or mortgage term). Ask us for more details.
Critical Illness Protection
Critical Illness Protection is still actuarially a great deal, even as claims ramp up with cancer as #1 for prevalence, and heart attack second. This coverage delivers the amount of cash you choose tax-free 30 days after diagnosis for up to 25 covered conditions. Our clients who have made claims tell us that this money was essential for their peace of mind offering a reduction in financial stress, allowing them to focus on their recovery. We prefer if budget allows the 3 coverages in one of Term-100 with Return of Premium on Death. Shorter terms (T-10, T-65, T-75, Quick Pay) can also fit well depending on your plan.
Services for Business Owners and Corporations
Our corporate clients rely on us for Low Fee/High interest Corporate Savings Accounts online 24/7, Group Health and Dental, Independent Pension Plans and corporate ‘TFSAs’ to tax-shelter passive assets otherwise heavily taxed, Keyman Insurance, Disability protection for executives.
Bank Accounts-Personal and Corporate
We have deposit products including GICS plus bank accounts that are online 24/7 with high interest, low or no fees, ATM access, and maximum flexibility.
When you invest with us, you can be confident that we are committed to invest your assets with the same care and diligence as we invest our own.
By managing your investments prudently and from a long term perspective we can help you to achieve your personal financial goals.
