Begin with the end in mind. It’s a simple concept but often hard to execute. At CBS we help clients develop a written financial strategy to help them live life with and on purpose. We believe that engaging our clients in their overall financial wellness can be an experience that is both rewarding, fulfilling and is ultimately necessary.

There are numerous services and products we provide to our clients:

Life Insurance

It’s important to buy the right amount of the right type at the right premium. Whether it’s to cover your mortgage or other liabilities, or ensuring the financial stability of your family or to pay taxes due at your death, we can help you determine what’s right for you.

There are also life insurance products available that allow for tax sheltered growth that dovetail nicely into your overall wealth accumulation strategy.

CBS helps you navigate through the many products and suppliers to make sure you are properly protected.

Disability Insurance

Disability insurance or “income replacement” provides a non-taxed monthly benefit monthly in the event you become disabled through an illness or an injury and can no longer work. The insurance company essentially will pay some or all of your monthly expenses when you can’t.

Critical Illness Protection (CI) apply/buy

A common misunderstanding is that critical illness and disability insurance are the same thing. Unlike disability protection, Critical illness insurance does not require that you can’t work. CI provides a lump-sum, non-taxed payment should you survive a serious illness. There are up to 23 covered conditions including cancer, heart attack, stroke, coronary artery bypass, Azheimer’s, multiple sclerosis, to name a few.

Individual and Family Health & Dental Care Plans apply/buy

Customize your plan to suit your or your familiy’s needs. Prescription drugs and other medical expenses, basic or major dental care, and emergency services. Plans are also available that take over when you loose your group benefits plan.

Travel Insurance apply/buy

Don’t get caught out of province or country without adequate travel protection. Whether you’re away for a week or gone for six months, CBS can help you find the plan that’s right for you. Peace of mind coverage at a reasonable premium.

RRSP

Saving for retirement is a significant part of the overall planning picture. RSP’s allow you to do so on a tax-sheltered basis and help lower your taxes in the year of your investment. Your lifestyle change needs to be funded properly and regularly.

Long and Short Term Investments

High interest savings accounts, GIC’s, Segregated Funds.

Tax Free Savings Account (TFSA) and Children’s Education Plans (RESP)

Estate Planning

We help mitigate any potential tax risks in your current estate plan and help ensure you and your family are protected.

Retirement and Income Plans

It is important to invest early and regularly to guarantee a secure financial future. The income you will need later in life should also come from many sources.. There should be income that is guaranteed for life, income that is tax effective, and income that allows for flexibility.