David | Certified Financial Planner | Masters Insurance Financial

Services

Comprehensive planning, all under one roof.

Every client's financial picture is unique. I offer a full suite of services so your strategy works together, not in silos.

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Investment Management

Disciplined portfolio construction aligned with your goals, risk tolerance, and time horizon. Ongoing monitoring and rebalancing to keep you on track.

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Tax Optimization

Strategic tax planning for individuals and corporations, including salary vs. dividend analysis, CCPC strategies, and year-end planning to minimize your tax burden.

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Insurance Planning ↗

Life, disability, critical illness, and long-term care coverage tailored to protect you, your family, and your business from the unexpected.

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Retirement Planning

From Personal Pension Plans to RRSP/TFSA strategies, I help you build a retirement income plan that gives you confidence for the years ahead.

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Business Owner Planning ↗

Corporate structuring, key person insurance, succession planning, and group benefits implementation to protect and grow your business.

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Estate Planning

Ensure a smooth and tax-efficient transfer of wealth to the next generation. Strategies that protect your legacy and your family's future.

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Financial Planning ↗

A comprehensive plan that ties everything together. We work together to optimize your full financial picture, map out a clear path, and uncover gaps — obvious or hidden — that could prevent you from achieving your goals.

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Protecting What You've Built — And Who You've Built It For

Life insurance isn't just a policy. It's a promise — to the people counting on you, to the business you've built, and to the legacy you want to leave behind.

Personal

For You and Your Family

The people who matter most to you shouldn't have to worry about money during the hardest moment of their lives. Whether you're a new parent, a homeowner with a mortgage, or someone approaching retirement with a spouse who depends on your income, life insurance makes sure your family's life doesn't have to change just because yours did.

It can help cover the mortgage so your family stays in their home. It can replace your income so your partner isn't forced to make impossible choices. It can fund your children's education, even if you're not there to see it. And for those in their later years, it can preserve your estate and minimize the tax burden your family would otherwise inherit.

Business

For Business Owners and Professionals

If you've built a business, your financial life is more complex — and the stakes are higher. Life insurance plays a critical role in protecting your business, your partners, and your succession plan.

A buy-sell agreement funded by life insurance ensures your business passes to the right people, on your terms. Key person coverage protects the company from the financial impact of losing someone irreplaceable. And corporate-owned policies can serve as a tax-efficient tool within your holding company, building cash value while protecting the people and operations that depend on you.

If you're an incorporated professional — a doctor, dentist, lawyer, or accountant — life insurance inside your corporation can be one of the most efficient ways to move wealth to the next generation.

Understanding Your Coverage Options

Every situation is different. That's the point. Here's how each type of coverage works and what it's typically used for.

Term Life Insurance

Coverage for a set period — typically 10, 20, or 30 years. You pay a level premium for the duration of the term, and if something happens during that window, your beneficiaries receive the full death benefit. Of all coverage types, term is the most cost-effective way to protect against temporary responsibilities — a mortgage, young children, or a business loan. It's also the right starting point when you need meaningful coverage but the cash flow isn't there yet to fund a permanent policy like whole life, universal life, or Term to 100.

Typically used for

Mortgage protection, income replacement during your working years, covering a business loan, or bridging the gap until your kids are independent.

Once in place

Most term policies include a conversion privilege, meaning you can convert some or all of your coverage to a permanent policy without a medical exam — regardless of how your health has changed. This is one of the most valuable and overlooked features in a term policy.

Whole Life Insurance (Participating)

Permanent coverage that never expires, with premiums that are guaranteed and level for life. Participating whole life policies earn dividends, which can be used to purchase additional paid-up insurance, reduce premiums, or accumulate on a tax-advantaged basis.

Typically used for

Estate preservation, wealth transfer, charitable giving, and creating a tax-free legacy. Also commonly used inside corporations as a tool for surplus cash management.

Once in place

Over time, cash values grow within the policy. These values can be accessed through policy loans or withdrawals if your needs change. Dividends, while not guaranteed, can significantly enhance the total benefit over the life of the policy. One of the most powerful milestones is when the policy becomes paid-up — meaning your premiums stop completely, but your coverage continues for life. From that point forward, you have permanent protection with no ongoing cost.

Universal Life Insurance

Permanent coverage with a flexible structure. You choose your premium level, and the policy includes an investment component where excess premiums grow on a tax-sheltered basis.

Typically used for

Business owners and high-income professionals looking for tax-efficient wealth accumulation, estate planning, or corporate-owned insurance strategies. Also commonly used to fund buy-sell agreements.

Once in place

You have flexibility to adjust your premiums and death benefit as your situation evolves. The investment component can grow through various account options, and the accumulated value can be accessed through collateral loans or withdrawals.

Term to 100

A hybrid — permanent coverage with level premiums like term, but no cash value accumulation. You pay a fixed premium until age 100 (or for life), and the death benefit is guaranteed as long as premiums are paid.

Typically used for

Individuals who want the certainty of permanent coverage at a lower cost than whole life or universal life, without needing the savings component. Often used for estate planning or final expense coverage.

Once in place

Some policies offer a reduced paid-up option after a certain number of years. It's straightforward coverage — no moving parts, just guaranteed protection.

Often Overlooked

Critical Illness Insurance

A lump-sum, tax-free payment if you're diagnosed with a covered condition — such as cancer, heart attack, stroke, or many others. The money is yours to use however you need it, with no restrictions.

2 in 5 Canadians are expected to be diagnosed with cancer in their lifetime. — Canadian Cancer Statistics, 2025 (Canadian Cancer Society)

Here's what most people don't think about: You survive. The diagnosis comes, the treatment begins, and you fight. But while you're fighting, life doesn't stop. The mortgage still comes due. Your kids still need to eat. You may need treatments that aren't covered by provincial health insurance — experimental therapies, private care, travel to specialists. Your spouse may need to step away from work to be by your side. Critical illness insurance isn't about dying. It's about living — and giving you the financial breathing room to focus on recovery without watching your savings disappear.

Typically used for

Covering out-of-pocket medical expenses, replacing lost income during treatment and recovery, paying down debt, or simply buying time to heal without financial pressure.

Once in place

Many policies include a return of premium option — meaning if you never make a claim, you can get your premiums back after a set period. Some policies are also convertible or can be layered with other coverage as your needs evolve.

Often Overlooked

Disability Insurance

Replaces a portion of your income — typically 60-70% — if an illness or injury prevents you from working. Benefits are paid monthly, tax-free, for as long as you remain disabled (up to age 65 in most cases).

Here's what most people get wrong: They look at the monthly benefit and think it's small. $3,500 a month. $5,000 a month. It doesn't feel like a lot on paper. But do the math. $5,000 a month is $60,000 a year. Over 10 years, that's $600,000. Over 20 years — with inflation protection built in — that can exceed $1,000,000 in total benefits paid to you. Your ability to earn an income is the most valuable asset you have. More valuable than your house. More valuable than your portfolio. Everything else you're building depends on it.

Now imagine it's gone. Not because you passed away — your family would at least have life insurance for that. But because you're still here, still needing to eat, still needing to pay the mortgage, still needing to support your family — but you can't work. The bills don't stop. Your kids still need braces. Your spouse is now carrying everything alone.

And if you're a professional — a doctor, a dentist, a lawyer, an accountant — what happens when you can no longer perform the specific duties of your occupation? You might be able to do something else, but can that something else replace the income you spent years building toward? Own-occupation disability coverage protects the career you've trained for, not just your ability to hold any job.

Typically used for

Income replacement during short or long-term disability, protecting professionals whose specialized skills are their livelihood, and ensuring your financial plan doesn't collapse if your health does.

Once in place

Benefits can increase over time with cost-of-living adjustments so your coverage keeps pace with inflation. Many policies offer partial disability benefits if you can return to work in a reduced capacity. Riders like future income protection allow you to increase coverage as your income grows, without additional medical underwriting.

Every situation is different. That's the point. I don't believe in one-size-fits-all solutions. Whether you need term coverage to get through the mortgage years, permanent protection for estate planning, or a corporate strategy that ties your insurance into your broader financial picture, I'll help you find the right fit.

Many of my clients use a combination of term and permanent coverage to balance cost with long-term goals. For example, a larger term policy to cover the mortgage years alongside a smaller permanent policy for estate planning. We build the strategy together based on where you are today and where you're headed.

Get Your Personalized Quote → Let's Talk About It →

Clarity Changes Everything.

Most people aren't short on ambition. They're short on a plan. Financial planning isn't about spreadsheets and projections — it's about understanding where you are, where you want to be, and building the bridge between the two.

Discovery

We start by understanding your full picture. Not just your accounts and policies, but your goals, your worries, the things that keep you up at night. What does retirement look like for you? What happens to your family if something changes? What are you working toward — and what's standing in the way?

This is a conversation, not a questionnaire. The better I understand your life, the more meaningful your plan becomes.

The Gaps You Don't See

Most people have blind spots. Maybe your group benefits don't cover what you think they do. Maybe your RRSP contributions are efficient but your TFSA is sitting empty. Maybe your corporation is holding surplus cash that's being taxed unnecessarily. Maybe your estate plan hasn't been updated since your second child was born.

We find those gaps — the obvious ones and the hidden ones — before they become problems that cost you money, time, or peace of mind.

Building Your Plan

A written, personalized roadmap that connects your retirement projections, tax strategy, insurance needs, investment allocation, and estate plan into one cohesive strategy. Everything works together because it was designed together.

This isn't a generic template. It's a plan built around your numbers, your goals, your family, and your timeline — stress-tested against the what-ifs so you know it holds up when life doesn't go according to plan.

Ongoing Partnership

Your plan evolves as your life does. Annual reviews, life-event check-ins, and proactive adjustments so you're never guessing whether you're still on track. A new job. A new child. A market shift. A health scare. Each one changes the equation — and we adjust together.

The goal isn't just a plan on paper. It's the confidence that comes from knowing someone has looked at every angle, stress-tested the what-ifs, and built a strategy that's genuinely yours. It's the peace of mind that lets you stop worrying and start living.

Free Guide

See What Financial Planning Looks Like

Download our complimentary guide to understand what a financial planning engagement involves — from the discovery process to a sample plan walkthrough. It's the best way to see the value before we even meet.

✓ What to expect at every stage

✓ A sample plan walkthrough

✓ Self-assessment checklist

✓ Common gaps we uncover

Get Your Guide

First Name

Last Name

Phone Number

Email Address

Your information is kept confidential and will never be shared.

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You Built This. Let's Make Sure It's Protected.

As a business owner, your personal and corporate finances are deeply connected. A proper strategy ensures that what you've spent years building doesn't unravel because of a single unexpected event.

Protect

Safeguarding What You've Built

If something happens to you, your family shouldn't be forced to sell assets, liquidate the business, or face a massive tax bill just to keep things together. The right corporate insurance strategy covers the liabilities and taxes that arise at death — so your family receives what they're entitled to, not what's left over after the CRA takes its share.

Corporate-owned life insurance can fund the tax liability on your capital dividend account, cover the deemed disposition of assets, and ensure there's liquidity when your estate needs it most — without forcing the sale of your business, your building, or your investments.

Transition

Succession & Buy-Sell Agreements

What happens to your business if you or your partner can no longer be involved? Without a funded buy-sell agreement, the answer is often chaos — grieving families negotiating with surviving partners, disputes over valuation, and forced sales at the worst possible time.

A properly structured buy-sell agreement, funded by life insurance and potentially critical illness coverage, ensures that ownership transfers cleanly and fairly. The surviving partner gets the business. The departing partner's family gets fair value. Everyone is protected, and the business continues.

Key Person Coverage

If your business depends on a specific individual — a founder, a top producer, a technical expert — their unexpected absence could be devastating. Key person insurance provides the business with a financial cushion to recruit a replacement, cover lost revenue, and stabilize operations during a critical transition period.

Corporate-Owned Insurance

Life insurance held inside your corporation can serve multiple purposes: funding a buy-sell agreement, creating a tax-free capital dividend upon death, building tax-sheltered cash value, or providing collateral for corporate lending. It's one of the most versatile tools in a business owner's financial strategy.

Group Benefits

A competitive benefits package isn't just a perk — it's a retention tool. Health, dental, vision, life, and disability coverage for your team shows you're invested in their wellbeing. I design group benefits plans that balance comprehensive coverage with cost management for businesses of every size.

Group Retirement & Pension

Employer-sponsored RRSPs, DPSPs, Individual Pension Plans (IPP), and Personal Pension Plans (PPP) give your employees a path to their future — and give you a powerful tool for tax planning and talent retention. The right structure depends on your business size, cash flow, and long-term goals.

Your business is more than a source of income — it's the product of years of sacrifice, risk, and hard work. The strategies we put in place should reflect that. I work with business owners to build a plan that protects the business, the family, and the legacy — so that no matter what happens, the people who depend on you are taken care of.

Free Guide

Protecting What You've Built

Download our complimentary guide for business owners and incorporated professionals. Discover the gaps most owners don't see, strategies to protect your business, your family, and your wealth.

✓ Buy-sell & succession strategies

✓ Corporate insurance & tax planning

✓ Real case study with outcomes

✓ Self-assessment checklist

Get Your Guide

Let's Talk About Your Business →

Financial clarity for the life you're building.

A partnership built on trust and expertise.

Comprehensive planning, all under one roof.

Investment Management

Tax Optimization

Insurance Planning ↗

Retirement Planning

Business Owner Planning ↗

Estate Planning

Financial Planning ↗

Protecting What You've Built — And Who You've Built It For

For You and Your Family

For Business Owners and Professionals

Understanding Your Coverage Options

Clarity Changes Everything.

Discovery

The Gaps You Don't See

Building Your Plan

Ongoing Partnership

See What Financial Planning Looks Like

Thank you!

You Built This. Let's Make Sure It's Protected.

Safeguarding What You've Built

Succession & Buy-Sell Agreements

Protecting What You've Built

Thank you!

Your financial picture, anytime.

View Your Portfolio

Your Financial Plan

Schedule a Review

Your personalized life insurance quote.

Guides Built for You

Your Financial Planning Guide

Thank you!

Protecting What You've Built

Thank you!

Why Work With an Independent Advisor?

Your Interests Come First

Access to the Whole Market

One Advisor, One Plan

A Relationship, Not a Transaction

Stories That Matter

Let's start a conversation.

Office Location

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