A.T. Financial Newsletter
Many Canadians have taken a
wait-and-see view on economic
recovery - not surprising given
the impact of the financial crisis
on jobs, securities prices, and
But, even though it may be a
long march to shake off
memories of the bears, it's wise
to watch for the variety of
suitable investment opportunities
to be had while other investors
are lying low. A market downturn
is an opportune time to be in the
markets because prices are
Let's talk about keeping your
portfolio well-poised to
potentially capture the gains of
an improving climate.
FOCUS ON INSURANCE
Start with the (life insurance)
end in mind
Stephen Covey, the late management
guru, used to say that one of the main
habits of highly effective people is that they
"start with the end in mind." Covey suggested
visualizing what a person would want their
loved ones to say about him or her at his or
her funeral, and using that insight to set
and achieve life goals.
What are your goals?
Although Covey never mentioned insurance,
one goal you probably have is to make sure
that your loved ones are provided for when
you are no longer there to look after them.
With appropriate life insurance and an effective
estate plan, you can achieve that goal.
Life insurance. Life insurance provides
an immediate, tax-free payment to your
named beneficiaries that can be used to
care for dependents, cover any taxes that
may arise upon your
death, pay for your
kids' schooling, and so on.
Estate plan. An estate plan, including a
will, is essential to help ensure that your
assets are transferred quickly, easily, and
tax-effectively to the people you want to
What is success?
With apologies to Covey, truly successful
people are those who keep their own end
in mind, but who do so while simultaneously
making sure that their loved ones are
provided for too, when that time comes.
We can provide you with guidance on all
of these things.
We'd be glad to review your present
personal and financial situation, to
exchange ideas about what you want to
accomplish and to propose protection
solutions that are right for you and those
you will be leaving behind.