As an independent broker, we are bound by the laws governing life insurance agents in Ontario and the Code of Ethics of my professional association, The Independent Financial Brokers of Canada. This means that any investment product(s)/insurance product(s) I recommend will be the one(s) I deem to be best suited to meet your needs, without regard to the compensation practices of any one company. My role, as an independent broker, is to work on your behalf as your intermediary and advocate with the insurance company and /or asset Management Company and to resolve any questions you may have throughout the time you hold that contract or policy, to ensure your ongoing satisfaction.
I specialize in Investments and Insurance Strategies for Agriculture, Business, Professionals and Individuals/Families.
We do the work, but you’re dealing directly, through us with leading Canadian Financial Service companies. Our business is processed through our affiliated dealer (MGA-Managing General Agent), Financial Horizon’s Inc. MGAs offer a service to independent agents/brokers and insurance companies by assisting with administrative issues. They are compensated directly from the companies. You always maintain full access and control over your business.
We are NOT Fee Based Advisors. You do NOT pay us directly! We are paid a commission and/or trailer/servicing fees for ongoing service, from whatever company you decide to place your business with. We believe this allows our clients to have us earn their business, and keep on earning their business!!
Some of the companies we represent:
Benecaid Heath Benefit Solutions Ltd. and the INNOVATIVE BUSINESS CLUB (IBC), as well as Assurex, Blue Cross, Green Shield and companies previously listed, for cost effective and value added Drug, Health and Dental Benefits for individuals, and employers with 1 to 50+ employees.
We strive to be easily accessible. We are available Monday through Friday during regular business hours. We maintain regular communication with our clients, or as requested.
As advisors, we take your Privacy seriously.
Our clients are advised they have:
To enhance, improve and increase the wealth and security of our clients while assisting in providing a smooth and fair transition to the next generation