A.T. Financial Newsletter
The long, sunny days of summer
are an ideal time to relax and
reflect on your goals and how
they might be evolving.
Whether you're looking longterm
or near-term, saving for a
new deck or for the future, I'm
always available to review your
options with you, and to discuss
how any recent life changes may
affect your portfolio.
We remain committed to helping
you find ways to make
investments work harder - even
when you're taking a summer
FOCUS ON INSURANCE
What's your worst-case
There's a bestselling book called the
Worst-Case Scenario Survival Handbook.
It's a (mostly) light-hearted look at how to
cope with extreme situations like getting
out of quicksand or escaping from killer
While you're not likely to find yourself
needing to know how to wrestle an
alligator (we hope!), it's a useful exercise
to consider how your family would cope
with a variety of real-world worst-case
Death of a breadwinner. In addition
to the emotional anguish, will your family
be financially able to cope with the lost
income? Who would pay for the mortgage,
investment loans, credit cards, and other
liabilities? What about money for the kids'
Death of a stay-at-home parent. The
death of the family's caregiver brings its
own dreadful trauma to
While there may not be an income to
replace, the financial impact of replacing
that person's many roles can be devastating.
And if the surviving spouse travels or does
shift work, the cost of retaining childcare
and domestic services could be onerous.
Life-threatening illness or disability
within the family. If you were to become ill
or disabled, not only would you be unable
to earn an income, you might have to contend
with medical expenses that aren't
covered by provincial healthcare programs.
We earnestly hope that your family
never has to face any of these situations.
However, insurance can provide a safety
net that takes the financial sting out of just
about any worst-case scenario. Talk to us
to learn more.