Tom Hay-Advisor at Sun Life
80 King St. Suite 501 L2T 3B2 Saint Catharines, ON, Canada

It’s okay to not be okay. On Bell Let’s Talk Day speak up. Reach out. Don’t hesitate to seek help. It’s the most important thing you could do for yourself #BellLetsTalk

Looking for ways to get outside and enjoy the fresh air this #winter? Here are some great trails you may not know about yet! Make sure to follow your provincial lockdown guidelines and remain socially distanced.

It’s time to start thinking about your RRSP. The deadline to contribute for the 2020 tax year is March 1st. Get a head start with your #RRSP and contact me today.

Helpful hints to Cure the Winter Blues!

Money shouldn’t be a taboo subject. Having conversations with your kids can instill good financial habits to help set them up for life. I’d love to hear what #money tips you’ve shared with your children.

Before spending money on a home renovation, make sure you review your home insurance policy so you don’t put that investment at risk. #homeinsurance

It’s sometimes called the sunshine vitamin because your body produces it when exposed to sunlight. But how can you make sure you’re getting enough vitamin D in the winter? Learn more here.

Keeping everyone safe and comfortable at home is important. As parents and loved ones age, you may need to make some changes around the house to keep them happy and healthy. Here are some affordable ways you can do just that.

Consuming too much negative news can impact our physical and #mentalhealth. Here’s why #doomscrolling is bad for you and how to stop. #LuminoHealthy

Imagine this: you’ve been working hard for decades and starting to feel comfortable about your financial future. All of sudden, a major life event forces you to retire sooner than you expected. Having an advisor on your side will help you plan before it happens. Reach out to me today! #planforthefuture #retirement

During these trying times, staying positive is increasingly important. Dont forget to breathe!

Unfortunately, this may be a new reality for some. Early retirement might be the only option for some. Take a read and reach out if you have questions.

Hey Casino friends! Uncertainty with your pension plan investments? Looking at retiring or early retirement? Reach out and I can help you understand your options. I used to be in the plan!

Maybe some good news?

In these strange days some of us may have felt we didnt have enough saved for emergencies. Take a read below on how to make saving less painful. Let me know if you have any questions, I can help.

Im still here to help! Virtual meetings are the way of the future

The more info the merrier!

Working from home, how to stay sane. Take a read. I am working from home as well so please reach out to me at [email protected] I am able to meet via the phone or through a webchat. Take care out there!

Action is the foundational key to all success. -- Pablo Picasso

The unfortunate reality of life.

If everyone is moving forward together, then success takes care of itself. -- Henry Ford

Getting help is not a sign of weakness, it is a sign of strength and hope!

When love and skill work together, expect a masterpiece. -- John Ruskin

Success is simple. Do whats right, the right way, at the right time. -- Arnold H. Glasow

Calm.com is a simple one to start with!

You simply have to put one foot in front of the other and keep going. Put blinders on and plow right ahead. -- George Lucas

RRSPs are are great way to save on taxes, but not always your best choice. Reach out today to see if an RRSP or TFSA is better for you!

Be kind whenever possible. It is always possible. -- Dalai Lama

Setting goals is the first step in turning the invisible into visible. -- Tony Robbins

Will and probate are not fun or exciting. Take a look below so you can get a better understanding. I also work with a Lawyer and I can direct you to her should you have any further questions. If you dont have a Will, the government will make those decisions for your family... Not ideal...

Quality is not an act, it is a habit. -- Aristotle

Very popular question. It is different for everyone, I can help decode your situation. The end of February is the deadline for 2019 RRSP contributions!

Either I will find a way, or I will make a new one. -- Phillip Sidney

Good info to help your children understand the value of saving. This is not taught in school, the responsibility falls on the parents to educate their own children.

Theres a way to do it better-find it. -- Thomas A. Edison

Ever tried. Ever failed. No matter. Try again. Fail again. Fail better. -- Samuel Beckett

Accept the challenges so that you can feel the exhilaration of victory. -- George S. Patton

Even if you fall on your face, youre still moving forward. -- Victor Kiam

By failing to prepare, you are preparing to fail. -- Benjamin Franklin

Are you getting the most out of your TFSA? If you dont know what the investment inside the TFSA is, you may not be!

What are your "reasons why" you dont have life insurance?

Without hard work, nothing grows but weeds. -- Gordon B. Hinckley

Never give up, for that is just the place and time that the tide will turn. -- Harriet Beecher Stowe

Happy New Year to all! May 2020 be your best yet!