Safeguard Insurance & Financial Services Ltd

Safeguard Insurance & Financial Services Ltd

A solid foundation built on expert advice and support is the surest way to sustain and achieve growth for the future. Our service goes far beyond placing investments and insurance policies we will help assure your stability, profitability and growth.

Safeguard Insurance & Financial Services Ltd

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Another fun fund raising event and breakfast (for a great cause) sponsored by yours truly.

Timeline Photos

Don't let this happen to you

[01/30/15]   IT’S RSP TIME!
SEEDING AND GROWING YOUR WEALTH

Are you financially on track for retirement?

Most of us realize that it is in our best interest to save for retirement. We put aside money when we can, but often we are unsure if we will have enough saved in order to achieve a financially secure retirement.
As a Certified Financial Planner (CFP) I can help you create a retirement plan that works for you. By learning about your retirement objectives I can help estimate the income you will require in order to support your retirement lifestyle. We can work together to determine how much you need to save, and select an investment strategy that will help you get there.

I encourage you to call us, invest in your future, and reach your retirement goals!

For example, an RSP loan can be a smart investment to grow your money:

*Loan Amount to "John" (assuming a 4% interest rate) $10,000.00
Income Tax Reduction (assuming a 31.15% marginal tax rate) $3,115.00 Cost of Investment $6,885.00
Monthly Payment $586.26

*At a 4% interest rate "John” pays only $150.00 of interest on the loan. For a total cost of $7035 ($6885 + $150) John now has $10,000 in his RSP. Fast-forward 25 years @ 6%, the value of his RSP is now $42,919. Furthermore, the interest costs on an investment loan may be deductible.

To deduct for 2014, your RSP contribution must be made by March 2nd 2015.

Call for an appointment 905.962.7797 I will assess and plan your retirement goals
- Now is the time!

Safeguard Insurance & Financial Services Ltd

Timeline Photos

[05/02/14]   RRSP, TFSA, RESP, RDSP, LIF/RIF, LIRA, GIC, Stocks, Bonds, Money Market Funds, Mutual Funds, Segregated Funds, Term Life Insurance, Permanent Life Insurance, Disability Insurance, Critical Illness Insurance, Long-term Care Insurance, Health and Dental Insurance.. And the list goes on!!!
WHERE TO START!?? Find a PROFESSIONAL advisor that you know and TRUST, and start planning for your future TODAY. Every family and individual has different goals and requires a unique plan to achieve those goals. Let me help you find the products and services that can get you there effectively, AND let me be there to assure your plan meets your changing needs.
PEOPLE DON'T PLAN TO FAIL, THEY FAIL TO PLAN. I CAN HELP!

Safeguard Insurance & Financial Services Ltd

SEEDING AND GROWING YOUR WEALTH
If you don’t or haven’t made RSP contributions throughout the year or would like to take advantage on unused RSP contributions from previous years, an RSP loan is ideal to kick start and add to your retirement savings.

-Benefit from the power of compounding. -Focus on minimizing taxes
-Use tax refund to help pay off your RSP loan quickly.

An RSP or non-registered investment loan can help you reach your goals by enabling you to make a bigger up-front investment.
Contact us today for more information.

“Do not save what is left after spending but spend what is left after saving”
Warren Buffet

[03/19/14]   SEEDING AND GROWING YOUR WEALTH
If you don’t or haven’t made RSP contributions throughout the year or would like to take advantage on unused RSP contributions from previous years, an RSP loan is ideal to kick start and add to your retirement savings.

-Benefit from the power of compounding. -Focus on minimizing taxes
-Use tax refund to help pay off your RSP loan quickly.

An RSP or non-registered investment loan can help you reach your goals by enabling you to make a bigger up-front investment.
Contact us today for more information.

“Do not save what is left after spending but spend what is left after saving”
Warren Buffet

[02/07/14]   We at Safeguard Insurance & Financial Services Ltd do not stop working for you when the deal is done. Planning is a process not an event: We are truly grateful for the trust you have place in us. Thank you for your business and we look forward to serving all of your Financial needs for years to come. YOU are important to us and we are there for our clients in their greatest time of need. Since you are a client of ours and if you would like us to help: When a loss occurs the following services are there for you at NO COST:

• We will assist in the funeral arrangements in the event of the
passing of a family member.
• We can contact family members and inform them of the passing
of a loved one
• We can notify the lawyer(s), accountants that a death has
occurred to speed up the process
• We will help make life insurance claims through group insurance,
individual insurance and CPP death benefits
• We can assist in going through the deceased's paperwork to
find important documents
• We can give advice to the executor or to the family concerning
financial matters

We will do as much or as little as the family wishes to help them do what is truly important when a death in the family occurs, be together. Our goal is to lighten the burden if only a little to help the family in a time of need.

[01/31/14]   TRAVELING SOON?

We now offer industry leading coverage through Manulife. For your
Visitor's to Canada, Student Travel, Out of Province Medical and Travel Insurance. Check out the website to buy your travel insurance directly and save!

WWW.SAFEGUARD-LTD.COM

[01/24/14]   With more than $600 billion of unused RRSP room, make up for lost time with
an RRSP loan. This interest paid on the “loan” is tax deductible! January is almost over and people are shifting their focus to the year ahead.

With unused RRSP contribution room at record highs, we can help you catch up on your savings and get a bigger refund!

Top 3 reasons for an RRSP loan:
1. Reduce taxable income
2. Put investment money to work today
3. Take advantage of historically low interest rates

RRSP contribution deadline: Monday, March 3, 2014
RRSP loan deadline: Monday, March 3, 2014

[01/22/14]   RSP SEASON IS HERE ARE YOU GETTING THE BEST ADVISE?

Do we invest in RSP’s or TFSA’s? What is in our best interest?

As a rule of thumb, if both spouses have pensions/group RSP plan, than buying an RSP will keep you in a higher tax bracket during retirement. If this is the case you should consider a TFSA or non-registered investment to reap the benefits of both worlds.

One spouse has a pension and the other does not, The spouse with a pension can (get the deduction) contribute in the other spouses name then when retired the spouse that does not have a pension can withdraw from that RSP paying much lower $ in taxes.

Both spouses do not have a pension/group RSP etc…Then an RSP makes good sense for you.

This is a basic rule of thumb, there is no cookie cutter formula and each situation is different. Seek professional advice from a (CFP) Certified Financial Planner.

Let’s face it. All of us worry about the security of our investments. Depending on our tolerance for risk, we’d all like to participate in the market’s growth potential, while protecting our principal in case the markets move downward.

I have an investment opportunity that meets your need for security in a powerful way.
I’m delighted to introduce segregated funds. They combine the growth potential of a mutual fund with the security of principal guarantees. They’re a simple, effective way to meet your financial needs. Call us we can help!

Safeguard Insurance & Financial Services Ltd

Six Great Reasons To Have Insurance on Children

1) Protecting Insurability: With a Guaranteed Purchase Option
(GPO) rider attached, Life Insurance plans guarantee the child
the opportunity to purchase more protection at various dates in
their future without having to prove insurability. The GPO rider
allows children to increase their insurance several times between
certain ages, regardless of health. The GPO rider also enables
them to get coverage with one of the top rated insurance
companies in the world.

2) Financial Protection: When we lose a loved one, especially a
child, the financial loss is often not just the cost of a funeral. It’s
not uncommon for parents to lose time from work to care for a
dying child and to lose even more time after the child’s death
because of a bereavement period. Many companies limit
bereavement periods to three days. Also, medical expenses
incurred during an illness oftentimes cause financial stress.
Beyond paying funeral costs, a policy on a child can help to
supplement income while loved ones deal with this devastating
loss.

3) Lower Cost: The rates will never be any better than they are
right now. Plus, if you consider the amount of coverage that
your children will likely need given inflation, a juvenile policy
could literally save them thousands of dollars.

4) Encourages Saving: Whole Life/Universal Life plans offer terrific
cash and dividend values to help supplement cost of future likely
expenses, such as the purchase of a home or a wedding. Plus,
with more and more companies no longer offering pension
programs, the cash values can help supplement the child’s
retirement.

5) Qualifies for Orphan Benefit: Some companies offer scholarships
and bursaries ranging from $1500.00 per year to $11,000.00
per year. Scholarships may be increased if both parents were to
die.

6) Creating a Legacy: The plan is also in place to protect your
child’s future family – your grand kids!

Life Insurance for your child is truly a lasting gift, which they will look on later in life as one of their most cherished assets.

[11/21/13]   Six Great Reasons To Have Insurance on Children

1) Protecting Insurability: With a Guaranteed Purchase Option
(GPO) rider attached, Life Insurance plans guarantee the child
the opportunity to purchase more protection at various dates in
their future without having to prove insurability. The GPO rider
allows children to increase their insurance several times between
certain ages, regardless of health. The GPO rider also enables
them to get coverage with one of the top rated insurance
companies in the world.

2) Financial Protection: When we lose a loved one, especially a
child, the financial loss is often not just the cost of a funeral. It’s
not uncommon for parents to lose time from work to care for a
dying child and to lose even more time after the child’s death
because of a bereavement period. Many companies limit
bereavement periods to three days. Also, medical expenses
incurred during an illness oftentimes cause financial stress.
Beyond paying funeral costs, a policy on a child can help to
supplement income while loved ones deal with this devastating
loss.

3) Lower Cost: The rates will never be any better than they are
right now. Plus, if you consider the amount of coverage that
your children will likely need given inflation, a juvenile policy
could literally save them thousands of dollars.

4) Encourages Saving: Whole Life/Universal Life plans offer terrific
cash and dividend values to help supplement cost of future likely
expenses, such as the purchase of a home or a wedding. Plus,
with more and more companies no longer offering pension
programs, the cash values can help supplement the child’s
retirement.

5) Qualifies for Orphan Benefit: Some companies offer scholarships
and bursaries ranging from $1500.00 per year to $11,000.00
per year. Scholarships may be increased if both parents were to
die.

6) Creating a Legacy: The plan is also in place to protect your
child’s future family – your grand kids!

Life Insurance for your child is truly a lasting gift, which they will look on later in life as one of their most cherished assets.

[10/11/13]   SEGRAGATED FUNDS

Let’s face it. All of us worry about the security of our investments. Depending on our tolerance for risk, we’d all like to participate in the market’s growth potential, while protecting our principal in case the markets move downward.

We have an investment opportunity that meets your need for security in a powerful way.
I’m delighted to introduce a variety of segregated funds.

These segregated funds are insurance products, called Guaranteed Investment Funds, offered by Life Insurance Companies. They combine the growth potential of a mutual fund with the security of principal guarantees. They’re a simple, effective way to meet your financial needs with Safeguard Insurance & Financial Services.


Guaranteed Investment Funds offer you:

Security: principal guarantees that protect the amount you invest in the event you lose market value. You’re guaranteed to receive from 75 to 100% of your original investment at maturity (depending on guarantees you choose) and 100% at death.

Efficiency: the ability to avoid the cost and public disclosure of probate for your segregated funds assets, which is a lengthy process by which a court validates your will, thus preserving your money and privacy;

Flexibility: benefit from your investment gains by resetting your guaranteed values, allowing you to increase your guaranteed amounts over time;

Protection: the potential for creditor protection, which can safeguard your segregated funds assets in the case of a bankruptcy.

We are here to help you achieve your financial goals. Drop us a line. 905.962.7797

Timeline Photos

[09/18/13]   SEGRAGATED FUNDS

Let’s face it. All of us worry about the security of our investments. Depending on our tolerance
for risk, we’d all like to participate in the market’s growth potential, while protecting our
principal in case the markets move downward.

We have an investment opportunity that meets your need for security in a powerful way.
I’m delighted to introduce a variety of segregated funds.

These segregated funds are insurance products, called Guaranteed Investment Funds, offered
by Life Insurance Companies. They combine the growth potential of a mutual fund with the
security of principal guarantees. They’re a simple, effective way to meet your financial needs
with Safeguard Insurance & Financial Services.

Guaranteed Investment Funds offer you:

Security: principal guarantees that protect the amount you invest in the event you lose
market value. You’re guaranteed to receive from 75 to 100% of your original investment at
maturity (depending on guarantees you choose) and 100% at death.

Efficiency: the ability to avoid the cost and public disclosure of probate for your segregated
funds assets, which is a lengthy process by which a court validates your will, thus preserving
your money and privacy;

Flexibility: benefit from your investment gains by resetting your guaranteed values, allowing
you to increase your guaranteed amounts over time;

Protection: the potential for creditor protection, which can safeguard your segregated funds
assets in the case of a bankruptcy.

We are here to help you achieve your financial goals. Drop us a line.

[08/21/13]   IS YOUR MORTGAGE REALLY COVERED?


MORTGAGE INSURANCE FROM THE BANK / FINANCIAL INSTITUTION

* Policy is owned and controlled by
the lender.

* Policy could be cancelled without your
approval.

* The lender is the beneficiary.

* The lender controls the distribution
of the insurance proceeds.

* Insurance may be refused or the
premiums increased if you change
lenders, move homes or increase the
size of the mortgage.
* Insurance coverage decreases with the balance of the debt, although premiums remain level.
* Minimum flexibility without special
policy options.

* The individual you deal with is not
an Insurance Expert
*You may incur interest penalties which may not be covered under the policy.

* There are no options for refunds of premiums paid or cash values.

INSURANCE THROUGH US.
IT’S UP TO YOU.
*Policy is owned and controlled by you
* Policy can only be cancelled by you

* You name the beneficiary.
* Your designated beneficiary controls the distribution of the insurance proceeds
* Policy is fully portable whether you
move or change mortgage carriers.
* Insurance coverage does not decrease and you may choose to continue it after the mortgage is retired,
* Maximum flexibility with options such as disability and critical illness
* We are INSURANCE EXPERTS. We work for you!
* Your insurance premium can be 100% refundable within 10 to 20 years if you select a cash value plan

* Your cost would then be…the interest you could have earned on those premiums.
* No additional life coverage can be added to this policy.

* can include additional coverage to the
policy to secure your complete needs

Most Term Life insurance coverage’s (regardless of your health and before a certain age) can provide tax favored savings that can supplement your retirement income or used to fund business opportunities and more…

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Telephone

Address


1522 Main St E
Hamilton, ON
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