by Denis Bugeja | Aug 6, 2024 | blog, Estate Planning, Family, financial advice, financial planning
Are you a parent or grandparent interested in transferring wealth to your kids or grandkids in a tax-efficient way without compromising your own financial security? Cascading life insurance could be for you. This approach not only leverages the cost-effectiveness of...
by Denis Bugeja | Aug 1, 2024 | blog, pension plan, retirees, Retirement
New Rules governing the Canada Pension Plan took full effect in 2016. Under these rules, the earliest you can take your CPP Pension is age 60, the latest is 70. The standard question regarding CPP remains the same – should I take it early or wait? If you take it...
by Denis Bugeja | Jul 9, 2024 | blog
Do I Need Critical Illness Insurance? Nobody plans to get diagnosed with a critical illness in their lifetime. We’re all going to be perfectly healthy and live to meet our great-great-great grandkids, right? The statistics on critical illnesses in Canada underscore a...
by Denis Bugeja | Jul 1, 2024 | blog, critical illness insurance, disability, Disability Insurance, Estate Planning, Family, Insurance, life insurance, long term care
The Sandwich Generation was a term coined by Dorothy Miller in 1981 to describe adult children who were “sandwiched” between their aging parents and their own maturing children. There is even a term for those of us who are in our 50’s or 60’s with elderly parents,...
by Denis Bugeja | Jun 18, 2024 | blog, life insurance
The question of when to buy life insurance might seem as complicated as assembling a piece of IKEA furniture without instructions. Yet determining the best time for life insurance is actually more straightforward than you think. The secret is that there’s...
by Denis Bugeja | Jun 4, 2024 | blog, Estate Planning, Family, financial advice, financial planning
If you think your heirs are not quite old enough or prepared enough to discuss the wealth they will inherit on your death, you’re not alone. Unfortunately, this way of thinking can leave your beneficiaries in a decision-making vacuum: an unnecessary predicament which...