Personal Solutions: Protect - Repay - Plan
Protect what you have
LIFE INSURANCE: If you are responsible for the financial well-being, or contribute to the standard of living of your family, you need life insurance.
DISABILITY INSURANCE: In the event of accident or illness, having a plan in place could mean the difference between having an income and not having an income. Which would you rather have?
CRITICAL ILLNESS INSURANCE: If you were diagnosed with an illness such as cancer or heart disease would you have enough money available to cover medical costs and lost income?
Repay your debts
CREDIT CARDS: The first thing to do is get these debts under control, then have a plan to pay them off.
MORTGAGE: Some debt can be good. As home prices increase over the long term you're building up equity in the value of your property. Be sure to have a repayment strategy in place.
DEBT MANAGEMENT: Debt can be a powerful tool when it's managed as part of a financial plan. You could add tens or hundreds of thousands to your bottom line by managing debt more efficiently.
Plan your financial independence
LOOK AT YOUR SITUATION TODAY: The first step in planning for your financial independence is to look at where your finances are today.
HAVE A RETIREMENT STRATEGY: Decide when you want to retire, create a plan, review it often. You need to know how much money you will need and when you will need it. Don't waste time.
ESTATE PLANNING: Use wills, trust, life &long-term care insurance and tax-efficient investment products to preserve the financial independence of your family when you are gone.