A Strategic, Education First Approach to Your Financial Life
Monique’s first priority is education. Before any recommendations are made, she completes a comprehensive Expert Financial Analysis that examines every major area of your personal and professional finances. This process allows her to identify gaps, assess risk, and create a clear, coordinated financial game plan aligned with what you want to protect, grow, and achieve over time.
Rather than addressing financial decisions in isolation, she focuses on the full picture, so every strategy works together intentionally and efficiently.
LIFE INSURANCE
Life insurance is a foundational planning tool designed to protect the people and assets that matter most to you. It provides a tax-free payment to your beneficiaries upon your passing and is structured based on your goals, obligations, and stage of life.
Term Life Insurance
Provides coverage for a specific period of time at a fixed cost. This is often used to protect income, mortgages, business obligations, or dependents during high responsibility years.
Permanent Life Insurance (Whole Life)
Offers lifetime coverage with guaranteed protection and the ability to build cash value over time. It is commonly used for estate planning, wealth transfer, and long term financial security.
Universal Life Insurance
A flexible form of permanent insurance that combines lifetime protection with tax advantaged investment growth, allowing customization as your needs evolve.
LIVING BENEFITS AND RISK PROTECTION
Living benefits
Designed to protect your income, health, and independence while you are alive, ensuring that an unexpected event does not derail your financial stability.
Critical Illness Insurance
Provides a tax free lump sum payment following the diagnosis of a covered serious illness, helping offset medical costs, income disruption, and recovery expenses.
Disability Insurance
Replaces a portion of your income if an illness or injury prevents you from working, allowing you to maintain your lifestyle and meet ongoing financial commitments.
Long Term Care Insurance
Gives you control over the type and quality of care you receive if you are unable to care for yourself, helping preserve independence and protect family assets.
Health and Dental Coverage
Helps cover expenses not paid by government plans or employer benefits, including prescriptions, dental care, vision, and paramedical services.
Travel Insurance
Protects you against medical emergencies, trip interruptions, and unforeseen events while travelling out of province or abroad. Plans are tailored to your travel habits and budget.
Group Health & Dental Plans (For Employers)
Support employee wellbeing while helping businesses attract and retain top talent. Coverage may include dental, vision, prescriptions, hospital care, and paramedical services, customized to your organization’s needs.
INVESTMENTS AND RETIREMENT PLANNING
Your investment strategy should balance growth, protection, and tax efficiency, while aligning with your long term goals.
Segregated Funds
Market based investments offered through insurance contracts that may include creditor protection, estate bypass features, and capital guarantees, making them a strategic option for certain planning needs.
Registered Retirement Savings Plan (RRSP)
Allow you to grow retirement savings on a tax deferred basis while reducing taxable income today. Withdrawals are taxed in retirement when income may be lower.
Tax-Free Savings Account (TFSA)
Enable tax free growth and withdrawals, offering flexibility for both short and long term goals. Contribution limits apply and are carefully monitored.
Registered Education Savings Plan (RESP)
A powerful way to save for a child’s education while benefiting from government grants and tax deferred growth.
What Sets Monique's Process Apart
• Education first, pressure free guidance
• Holistic analysis rather than single product advice
• Clear explanations and practical recommendations
• Strategies tailored to your life, business, and goals
If you want clarity, structure, and confidence in your financial decisions, the process begins with understanding your full financial picture.
Contact Monique To Schedule Your Expert Financial Analysis