Mid-career is a strange kind of risk window for incorporated professionals. Your income is strong, often the strongest it has been. At the same time, almost everything in your life depends on that one income continuing without interruption. I see this pattern often with dentists, lawyers, physicians, accountants, engineers, consultants, and other incorporated professionals I…
Most new parents I talk to put life insurance for their baby at the bottom of a long list. I understand why. Feeding, sleep, and daycare wait lists come first. Buying coverage for a healthy newborn feels like it can wait. In my experience, waiting is the choice that makes this coverage harder and more…
When I talk with clients who are a few years from retirement, I hear a quiet concern that does not show up in a retirement income plan. They have a good handle on their savings, their pension, and when they want to stop working. What they do not have is a clear picture of where…
When I sit down with a family, I often ask a simple question. If the main earner in your home could not work for six months, what would change, and what would not? Your income would change, possibly a lot. Your bills would not. Your mortgage or rent, groceries, utilities, car payments, insurance, and childcare…
When I meet a family business owner, the business is rarely just a business. It is years of early mornings and missed weekends, work the whole family felt. That is why succession gets personal so quickly. If one of your children will take over the business and the others will not, a simple split does…
When I sit down with two business partners, we often talk about growth, hiring, and the next big contract. The harder conversation is what happens to ownership if one of you dies unexpectedly. Most partners have never actually funded that plan. They may have a shareholder agreement on paper, or a handshake understanding that the…
One of the most common questions I get from grandparents is simple. What can I give a grandchild that will still matter decades from now, long after toys are outgrown? For some families, part of the answer is a small whole life policy for the grandchild, paid for over 20 years and then done. I…
Medcan Executive Health Assessment in Prince Edward Island: A Practical Benefit for Your Leadership Team Most employers I talk to first ask about Medcan for themselves. That makes sense, but it misses where I see the biggest practical value. When a key manager is waiting months for screening results or specialist follow up, the cost…
When I sit down with families after a major diagnosis, the first conversation is rarely about money. It is about confidence. A specialist has given them a diagnosis and a treatment plan. Surgery may be recommended. Treatment may need to start soon. And in the middle of fear and urgency, they are left with a…
When most people picture a disability, they picture something total. A person cannot work at all, and their income stops completely. In my work, that is rarely how it happens. More often, someone gets sick or injured, takes time away, and then starts to recover. They can do part of their job, but not all…