Ryan Bradleigh Chin, MBA - Sun Life Financial Advisor

Ryan Bradleigh Chin, MBA - Sun Life Financial Advisor

As a Sun Life Financial Advisor, I can give you the insight, support and useful solutions to meet your needs and help build your financial strength.

As a Sun Life Financial advisor, I can give you the insight, support and useful solutions to meet your needs and help build your financial strength. You’ve worked hard to get where you are and have a vision for where you want to go. Let me help you realize that vision.

With my expertise and service, we can build a plan to help maximize your wealth, protect your assets and achieve your retirement goals. It all starts with a few small steps. Let's talk.

A little about me. I combine sound business and social intelligence with exceptional strategic thinking and a high level of professionalism. My relentless determination drove me to compete nationally and at the Olympic level, ultimately placing me fifth in the world on the Paralympic stage in the 92 Barcelona games.

Not one to give ground to sight loss, I continually strive forward often exceeding the goals that I set for myself.

My life’s passion focuses on enabling independence not just for myself but extends to those in need. My commitment to lifelong learning combined with an unrelenting resolve, fuels my quest for continuing excellence.

I am a Sun Life Financial advisor. These are my personal opinions and do not constitute professional advice nor do they reflect the official position of Sun Life Financial.

Sun Life Financial advisors are contracted with Sun Life Financial Distributors (Canada) Inc.

A clear connection: Your relationship with Sun Life Financial bit.ly/ClearConnection

Mutual funds offered by Sun Life Financial Investment Services (Canada) Inc.


What are some clever ways to live below your means but not notice it too much?


quora.com Leah Weinberger's answer: THIS question is the true secret to building wealth. Ex. You sit and work out a mortgage. You are told with your salary you can afford to buy a house for 300k. You want to live below your means so you buy a house for 275k. Success! but wait. WHAT did you need in a hom...

[11/23/18]   For those who may knot know, I’ve been taking time from my new business to widen my knowledge base with a view to increasing my service offering. Today I’m Pleased to report that I’ve successfully passed the final exam for the Chartered Life Underwriter® (CLU®) Designation.

Some Background: The Chartered Life Underwriter (CLU) designation has been widely recognized for 90 years as a superior mark of excellence in the financial services industry. Advocis is honored to be the education provider for this prestigious designation. CLU designation holders are regarded as elite professional financial advisors who specialize in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer.

Stay tuned, more to follow!!!


Sun Life CIO on tactical ETF portfolios in today's 'gloom' markets

A great video to review with the recent market pull back in October. have you ever considred a tactical ETF within your portfolio? Reach out to me to learn more!

bnnbloomberg.ca Sadiq Adatia, CIO of Sun Life Global Investments, joins BNN Bloomberg for a market update in anticipation for tech earnings, U.S. jobs data, and the midterm elections.

Proud to apart of this local cause! shout out to Meghan Graham and Sarah! You ladies are making a huge difference in the lives of so many. keep uo the great work!

We opened in a new and bigger location: 918 Main St E, Hamilton.
Look for the New Heights Learning sign, on the right side of the street. Free parking in the back, and we are in the "house" on the property.

Thank you to:
Our event sponsor: Ryan Bradleigh Chin, MBA - Sun Life Financial Advisor
Photo sponsor: Photos by Alex
Food sponsor: Queens Pizza & Wings
Decor sponsor: My Little Party
And each of the families who donated food for our potluck!


See you soon!

~ Meghan & Sarah at the Special Needs Resource Centre


Water Music: Navigating toward increased independence through Soundscape

Technology is an amazing tool! See the enclosed, a video and marvel at these kayakers as they navigate without vision! can't wait until this type of technology makes it's way to Canada as the practical applications for wayfinding ,orientation and mobility can go to the next level!

blogs.msdn.microsoft.com By: Amos Miller, Microsoft AI & Research Imagine you’re paddling on the lake, you feel the warm sun on your face, listen quietly to the calm ripples of the water. You can hear a sound beacon, in 3D, on the water, just in front of you and over to the right; you know exactly where...


The True Cost of Waiting to Save For Your Retirement

“I Can Start Investing For My Retirement Next Year!” “I Can Save Extra In The Future To Make Up For Not Saving Now” –

We can always find a reason not to invest our money, however have you ever considered the cost of missing a year of investing. The difference between starting a $50/month investment today, versus 1 year from today, can lead to a lost opportunity of over $13,000 to your final investment portfolio!

The below article outlines the value of compound interest, and why starting a $50/month investment today, needs to be your top priority. Contact me today to set up an appointment!

investorjunkie.com Saving for retirement is basically like a race; the sooner you start the better you'll finish. Here's the true cost of waiting to save.

Spending time with some extraordinary people celebrating successes at the #BalanceForBlindAdults annual general meeting Accessible Media Inc.


How Much Should You Really Spend On Dining Out?

In todays world, we can use the flash of a credit card, or a mobile app to purchase goods and services without thinking twice. Learning how to build a budget and track your spending is a great way to understand where your money is being spent, and how a minor change in expenses can have such a big impact on your future.

If you would like to take the first step in understanding your finances, reach out to me and we can work together to put you on the path to the future you want to have.

chatelaine.com Forgoing home-cooked meals for takeout can quickly blow your budget.


How does a missed Home Buyers' Plan payment affect your bottom line?

We've all heard about RRSP's and the importance of saving for retirement, however have you ever taken the time to understand how an RRSP actually benefits you? or if an RRSP is the right investment vehicle for you? The below article outlines a few common questions that cna arise when speaking about an RRSP and it's potential benefits.

moneysense.ca Bill has missed one of his RRSP Home Buyers' Plan payments. Does he still owe that money? And what does it mean for his bottom line?


Why you should consider adding foreign stocks to your asset mix

Have you ever considered how or where your money is invested?

Whether intentional or not, many Canadians have a large portion of their investments invested domestically. As the article explains, with Canada only making up 4% of the global equity markets there can be a lot of value to look to foreign investments and help round out your portfolio!

theglobeandmail.com With housing prices near the peak, consumers over indebted and NAFTA still left unresolved, it may be worth looking outside of Canada for higher returns and lower risk


How to manage your finances through a natural disaster

Managing your finances for retirement is great, but have you ever considered how you could access these funds in an emergency, or if you can even access your money? Having enough emergency savings available to you without sacraficing long term investment growth, is a critical converation you should be having with a financial advisor.

sunlife.ca How would you handle your finances if you were forced from your home by an emergency or natural disaster? Start with this seven-point checklist.


What is an RESP? (Video)

Starting your back to school shopping for the kids? This is also the perfect opportunity to review your RESP and ensure you are on track for your childs post-secondary education. If you have not set up an RESP or don't know what an RESP is, then this is a great chance for you to educate yourself, and learn how to start saving for your childs future.

sunlife.ca Simply put, a Registered Education Savings Plan, or RESP, is a special type of savings account designed to help you save for a child's education after high school.


5 Signs You Need to Up Your Life Insurance Coverage | Life Happens

Whatever you do, take the time every once in a while to determine whether your life insurance coverage is still enough to take care of the people you love.

lifehappens.org Depending on the type of life insurance policy you have, you could be covered anywhere between one year and the rest of your life, depending on if you have term or permanent life insurance. But if you’ve had a policy for a while, it might no longer be enough. As your life changes, your insurance n...


Travel Insurance: What is it and do I need it? | RSA Travel Insurance

With everyone now in the full swing of summer, It is important to take a quick minute to review the importance of having travel insurance for any trips you may have planned during the summer months!

rsatravelinsurance.com Travel insurance offers different products such as emergency medical and health coverage, trip cancellation and lost and/or delayed flights.


Disabled Canadians could be waiting months for money owed by Canada Revenue Agency | CBC News

Good news article, about the CRA as they are now recognizing the struggles of those living with type I diabetes

cbc.ca More than half of Canadians with diabetes who were rejected for the disability tax credit (DTC) between May and December last year have now been approved — a clear indication, critics say, that the Canada Revenue Agency was applying the eligibility rules improperly.


Learning about the Ontario Direct Funding Program for People with Disabilities -

Learn more about operating your own personal care attendant company, to take control of your own personal care needs!

enables.me My name is Connie and I would like to write a bit about Ontario’s Direct Funding Program for people with disabilities. My disability is called [...]

Ryan Bradleigh Chin, MBA - Sun Life Financial Advisor

Serious about getting out of that? Here’s a great article that offers some great tips and solid advice to help get your finances back on track.



Pattie Lovett-Reid: 10 things to do right now to get out of debt - Article - BNN


bnnbloomberg.ca CTV's Chief Financial Commentator Pattie Lovett-Reid offers 10 things you can do right now to minimise your debt.

Spending time flexing my smile on the runway for charity in Peterborough. Thanks Patti and Cottage Toys - Serious About Fun

Great day renewing acquaintances and making new friends at WRMS

All ready to talk RDSP and planning with parents and teachers at the “It Takes a Village Conference” with fellow students at WRMS

All ready to talk RDSP and planning with parents and teachers at the “It Takes a Village Conference” with fellow students at WRMS


Personal Investor: Home renovations with the best returns - Article - BNN

bnnbloomberg.ca Upgrades and additions not only make your living space nicer, but - depending on the project - can also improve the value of your home. Here's a look at which projects add the most value.


How much does it cost to sell your home?

How much does it cost to sell your home?
It’s spring and that means Home Buying and Selling season! If you’re thinking of selling your #home, you need to budget for these 6 costs involved with making the sale.

sunlife.ca If you’re selling your home, be sure to budget for the added costs involved – or you could get a nasty shock when it comes time to close the deal.


5 smart ways to use your tax refund

5 smart ways to use your tax refund

Do you have plans for your #tax return? Before rushing out to spend it, consider how you can use it to enhance your #financial future.


sunlife.ca Expecting an income tax refund? Before using it for an exotic vacation, consider how you can put it to work to enhance your financial future.

Team Members

Pleased to introduce a member of my team:

Brian Thomas is an Licenced Executive Administrative Assistant Drive Guide for Financial Advisor Ryan Bradleigh Chin, MBA - Sun Life Financial. He is fully Life and Health Insurance licensed in the province of Ontario. He completed his LLQP through The Financial Advisors Association of Canada in 2016. Prior to joining the world of finance, He enjoyed careers in Arts & Animation, Electrical & Computer Engineering, and Customer Relations. When Brian isn’t working, he is usually out supporting his family and friends. He currently lives in Burlington, Ontario with his loving common-law partner, Nathan.

Pleased to introduce a new member of my team:

Michael Spurr is a Sales Associate Advisor for Ryan Chin, MBA – Sun Life Financial. He is fully life licensed and mutual funds licensed in the province of Ontario. Michael Graduated from Brock University in 2013 with a Bachelor of Business Administration, as well as a diploma from Mohawk College for Financial Services in 2014. With 4 years of industry experience, Michael brings a wealth of knowledge, and extensive retirement planning advise. In Michael’s spare time, he enjoys spending time with family and friends and is a big fan of all professional sports, specifically Hockey!


Do you qualify for the disability tax credit?

Do you qualify for the disability tax credit?
Do you or your child qualify for the disability tax credit? You could get up to 10 years of backdated tax breaks plus additional help from the government. Find out how!

sunlife.ca If you qualify for the disability tax credit, you could get up to 10 years of backdated tax breaks, plus additional financial help from the government.


Are you covered? Surprising ways you could be excluded from your travel insurance policy

Are you covered? Surprising ways you could be excluded from your travel insurance policy

In a matter of moments, vacation fun can go horribly wrong and if you’re hurt, travel insurance can save you. But sometimes high-risk activities can void your coverage. Here is what you need to know about travel insurance.

bc.ctvnews.ca Many travellers purchase insurance in case of emergencies, but you may be surprised to find out you're not always covered.

Forming new partnerships to strengthen my business model. Now able to offer a source for competitive quotes on home and auto insurance. Amrit Budwal - Allstate Canada Agent


Vision Solutions | Accessibility Services | Rogers

https://www.rogers.com/consumer/support/accessibility-services/visionHeads up for those who are currently either a Rogers or Fido wireless customer or may be considering becoming one. Rogers has just officially announced that they are giving a discount to their wireless special needs customers who are either signed up with Rogers or Fido. If you are with Rogers, they are offering a $20.00 discount off of your plan and for the Fido side, the offer is $10.00 off the plan cost. Check the link below to learn more about Rogers Accessibility Services.

rogers.com Rogers offers customers with vision needs ways to unlock the full potential of their home phone, wireless, and TV services.


What ‘will’ happen with your assets? Half of Canadian adults say they don’t have a last will and testament - Angus Reid Institute

What ‘will’ happen with your assets? Half of Canadian adults say they don’t have a last will and testament

Do you have a will? A new study found that 51% of Canadians do not have a will and testament in place. This means over half of Canadians are set to have no say in what happens with their assets when they pass away.

angusreid.org One-quarter of Canadians without a will in place say they are too young to worry about it January 23, 2018 – When the world learned that Prince, an artist whose


Ways to lower taxes and strategies for saving: A modern take on the ‘pay yourself first' principle

Does changing the word #SavingsDeposit to #BillPayment altar your mindset? Or is it communications and facts that will bolster your commitment to a long term strategy? #wealthyBarber #GrowYourInvestments


bnn.ca The BNN Advisor panel discuss ways to invest in a tax efficient manner and smart strategies for saving money to create wealth over time. They dig into the “pay yourself first


Save on taxes with a spousal RRSP

Save on taxes with a spousal RRSP
Married or Common-law? Spousal RRSPs are a great way to help you #save on taxes now or in the future. Contact me today to see if this #retirement solution is right for you!


sunlife.ca According to some studies, being married can be good for your health and even help you live longer. But did you know that it can also lead to a tax break?



Have you made your RRSP contribution yet? Come talk to me today about your options.



Why a TFSA is a great way to sock it away for a rainy day | Toronto Star

Why a TFSA is a great way to sock it away for a rainy day

The flexibility of a TFSA allows you to take #money out at any time for any purpose without losing the contribution room, which is what makes it a top choice as a rainy day emergency fund. Click here to find out m


thestar.com A Tax-Free Savings Account can be used for an emergency fund or saving for retirement if your RRSP room is gone.


For 2018, try focusing on your life instead of the stuff you buy | Toronto Star

Would you exchange financial peace of mind for the latest electronic fad or driving the right car? Many of us do without really knowing the consequences. In 2018 try sticking to your financial goals by taking smell steps each day and finding ways to laugh along the way.


thestar.com If you want it all right now, then you need to accept that you’re creating a miserable life for yourself, writes Gail Vaz-Oxlade.

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