DiscloseAll Financial Services

Newcomers to Canada who are eligible for public coverage in their province of residence may also wish to purchase private health insurance for services not covered by provincial coverage for health care in Canada. Insurance can cover prescriptions, dental and optical services, and other forms of paramedical care (such as physical therapy or mental health services). Many (though not all) employers will also provide this kind of coverage as a term of your employment, though coverage may only be available if or when you complete a probationary period of employment. #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #travelinsurance #OHIPcoverage #waitingforohip #immigrantinsuranceplan #personalhealthinsurance #essentialcoverage #newlylanded #planforyourlanding

In the coming days, there will be an increase of spending on goods and services that are not needed, nor wanted and in most cases not even desired. With the looming #blackfriday deals be considerate how you spend your money. The money you put towards an object will be better served placing it into a Life Plan or an Investment. Will Rogers words have stuck with me this week, as I see habits shift instantly based on short term desires... Are you one of them?... #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #willrogers #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #b2b2c #Lifeinsurance #Disabilityinsurance #criticalillnessinsurance #finanacialemigration #relocatingtocanada #marketplace #financialfreedom #fintech #financial #investment #insurance #financialknowledge #financialindependence #retirement #saveyourmoney

When's the TFSA Deadline for 2020? The deadline for contributing to a TFSA may be December 31, but in point of fact, there’s technically no TFSA deadline as unused contributions are carried forward to the next year. That said, as the saying goes time is money and there’s really no better time like the present to open a TFSA as you’ll benefit from the power of compound interest. Ask me how...... . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #financialquotes #investment #insurance #financialknowledge #financialindependence #TFSA #taxdeadline

If you’re planning on visiting Canada, or if you have friends and family visiting, you’ll want to enjoy the visit without disruptions. If health emergencies come up, you can get help covering the expenses with travel medical coverage that's simple, affordable and easy to use so you don’t end up paying out-of-pocket. Get emergency medical care and more with CoverMe travel insurance for visitors to Canada. You need to be protected, never travel without it with Manulife ... #discloseallfs #discloseallfinancialservices #manulife#financialplanningforimmigrants #immigratingtocanada #ontarioliving #travelinsurance #OHIPcoverage #waitingforohip #immigrantinsuranceplan #personalhealthinsurance #essentialcoverage #newlylanded #planforyourlanding

Private Health Insurance Some insurance companies sell packages that will cover your health costs during this 3-month period. These insurance plans are designed for people who do not have OHIP. Community Health Centres Some Community Health Centres have health services to people who do not have an OHIP card.... Services at CHCs are free or you may need to pay a small fee. #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #travelinsurance #OHIPcoverage #waitingforohip #immigrantinsuranceplan #personalhealthinsurance #essentialcoverage #newlylanded #planforyourlanding

As the name suggests, a guaranteed interest option (GIO) is an investment in which the principal or the original amount invested is protected and a rate of return is guaranteed. By guaranteeing a rate of return on your investment, a GIO can provide you with a clearer picture of your financial future. GIOs feature a variety of interest options and investment terms. The term of your GIO can range from 12 months to several years, with interest rates based on the original amo...unt invested. Unlike many other investment types, GIOs can be liquidated or cashed out at any time, giving you easy access to your money when it’s needed.1 To learn more about how a GIO can help you plan for the future, talk to your financial security advisor. #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #gioinsurance #whattoknowaboutgio #ROIGIO #ROI #cashout

A public health care waiting period of up to three months is imposed in four Canadian provinces, namely Ontario,Saskatchewan,British Columbia and Quebec. Yukon, Northwest Territories, and Nunavut also impose waiting periods. For these provinces, interim medical insurance can be purchased to cover any unexpected health care costs. In the seven remaining provinces the coverage is retroactively applied to the date of arrival after the registration is complete. May I suggest some to you? #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #travelinsurance #OHIPcoverage #waitingforohip #immigrantinsuranceplan #personalhealthinsurance #essentialcoverage #newlylanded #planforyourlanding

We’ve all been there: overhearing someone in a restaurant or at the golf course bragging about how much they earn. It might not be a sexy topic of conversation but what’s really worth talking about is how much you save. The 19th-century politician Henry Buckley summed it up with this spot-on quote: Save a part of your income and begin now, for the man with surplus controls circumstances and the man without a surplus is controlled by circumstances. Unfortunately, life is no...t predictable and when things go wrong it can get very tough very quickly. Those who get into the habit of saving grow their wealth year on year and use insurance to protect that wealth have a cushion to fall back on during tough times. If a critical illness stops them from working or if they unexpectedly lose their job they remain in control. . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #savenow #Lifeinsurance #Disabilityinsurance #crIticalillnessinsurance #finanacialemigration #relocatingtocanada #financialfreedom #investment #insurance #financialknowledge See more

We have a highly specialized team with experience across a number of different fields allowing us to offer expert advice across the board. It is important to note that financial emigration is a formal process with your country of birth such as the South African Reserve Bank (SARB) to change your tax status from resident to non-resident for exchange control purposes. It however does not affect your South African citizenship status. Are you ready to immigrate to Canada?... . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #finanacialemigration #relocatingtocanada #financialknowledge #financialindependence See more

It’s important to do your research. https://www.cbc.ca//immigrant-canada-refund-consultant-1.5

Insurance bundling is no different and involves combining multiple lines of coverage from single or multiple carriers into one package. Insurance can be bundled in a couple of different ways: Option 1 The first and simplest option is to add one or more riders (coverage add-ons) to a base plan. For example, if you purchase permanent life coverage as your base insurance, it might be advantageous to add accidental death, term insurance, a critical illness rider or a child pro...tection rider. Option 2 An à la carte bundled plan, using multiple insurance carriers for the different products, may also be worth considering. The extra bells and whistles may be a little more costly, but there is value in getting exactly what you need no gaps, complete coverage. Ask me how... . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #Lifeinsurance #Disabilityinsurance #criticalillnessinsurance #finanacialemigration #relocatingtocanada #bundlinginsurance #knowyourterms

So you run your own business, things have been going well, but the more your business grows, the more complex your tax issues become. One often misunderstood tax concept is the Capital Dividend Account or CDA. Capital dividends are simply a form of a dividend, which can be paid out to Canadian shareholders tax-free. . .... #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #taxes #cra #cda #taxknowledge See more

Manulife Vitality Active Rewards with Apple Watch program, a further enhancement to the Manulife Vitality program. The program motivates Canadians who have purchased the Manulife Vitality program linked life insurance, to get more active by offering you the opportunity to earn Vitality points and get Apple Watch when you meet physical activity targets through their insurance contract. . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #vitality #manulifevitality #improveyourhealth #improveyourinsurance #letstalkvitality #appleseries6watch

Manulife is preparing to launch a travel insurance product that covers emergency medical costs and trip interruption expenses resulting from the global coronavirus pandemic. The new pandemic policies to be sold through Manulife beginning in October will be available to Canadians travelling both within the country and to international destinations including those subject to government-issued level 3 travel advisories to avoid all non-essential travel. LET'S SCHEDULE A CALL... . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #vitality #manulifevitality #improveyourhealth #improveyourinsurance #letstalkvitality #manulifeadvisor #travelinsurance #covidinsurance #covidtravel

MY CLIENTS SIGNED Have you found yourself trying to carry on life as usual, but wondering how to do something as simple as signing a document while socially distancing or even self-isolating? Thankfully, nowadays you can sign even the most important legal documents with the click of a button. The answer is eSignatures. Just take their word... .... #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #clienttestimonial #clientnotes #clientswords #esignature #protectedduringcovid See more

RECENTLY LANDED IN , YOU NEED INSURANCE DiscloseAll Financial Services is an Ontario based Life Insurance Brokerage. We help clients with financial planning and provide competitive rates when choosing investment vehicles or life insurance needs. DM ME TO FIND OUT MORE... #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #justlanded #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #b2b2c #Lifeinsurance #Disabilityinsurance #crIticalillnessinsurance #finanacialemigration #relocatingtocanada

A spousal* RRSP is exactly what it appears to be, quite simply a Registered Retirement Savings Plan (RRSP) for a spouse; a plan that cannot only help set aside funds for you and your spouses’ retirement but can save you some tax dollars in the process. The idea is that one person, typically the higher earner, contributes money to the spousal plan on behalf of their spouse. The primary benefit is that a contribution can be made each year and the receiving spouse will see a tax-free return until those assets are withdrawn. . . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #spousalrrsp #rrsp #financialknowledge #financialindependence #retirement

Well, a great start is a needs-based assessment of your financial and non-financial situation, starting with the following questions: What are your family dynamics and account details? (including assets and liabilities) What percentage of income does your family require to maintain your lifestyle? Does this picture change when your children are no longer dependents? Can you describe your ideal retirement?... What would happen to the family income if you were disabled or had a critical illness? Do you have group benefits through work? What do you want to see happen with your estate upon death? Have you created a will and when was it last updated? What comes to mind when you think of your tax situation? . . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #financialeducation #Lifeinsurance #Disabilityinsurance #criticalillnessinsurance #finanacialemigration #relocatingtocanada #marketplace #financialfreedom See more

You got itApple Watch Series S6 and Apple Watch SE will soon join the list of wearable device options, Manulife Vitality clients can choose from. Manulife Vitality gives you one more way to keep the life insurance conversation timely and easy. And one more opportunity to help you achieve their goals, thanks to us! #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #vitality #manulifevitality #improveyourhealth #improveyourinsurance #letstalkvitality

Foresters are proud to offer a Quit Smoking Incentive Plan on our Advantage Plus and Non-participating whole life products. Smokers automatically receive lower rates for the first two years of their certificates. And if they quit within this time period, those lower premiums can continue. It’s a powerful incentive to stop smoking, giving someone the chance to live as a healthier lifestyle as well as potentially save thousands of dollars. ... TALK TO ME NOW AND FIND OUT HOW?? . . #discloseallfs #discloseallfinancialservices #financialplanningforimmigrants #immigratingtocanada #ontarioliving #financialadvisor #forestersinsurance #quitsmokingtoday #benefitfromstopsmoking #incentiveplan See more