Stewart Financial Services

Married

Getting married and building a life together is exciting because the act of getting married changes a great deal with regard to the way that couples behave and interact with one another, plan for the future, and experience fulfillment.

 

What is important in this season of life is continuing to establish credit, investing in owning a home, building your career, enjoying life and securing your financial future.

 

Then there are children being added to your growing family; and with these new responsibilities come the need to guarantee that your family will be cared for financially should you or your spouse become critically ill, disabled or die.

It is now time for you to review your Insurance, financial and Investment needs. Having a sound financial plan in place is now more important than ever; giving your family the best protection means carefully considering all your available Insurance options.

 

Review your financial plan or create a plan today; does your financial plan cover all the bases to meet your needs today as well as your future?

 

• Debt and Expense Management – that means living within your means. Take advantage of a disciplined approach to saving and investing with the concept of living off of 90% of your income, then use the 10% to protect yourself and invest in your future.

   

• Savings – Emergency and unplanned expenses (TFSA). You have probably heard it before and it is an important message – pay yourself first! Whether you are saving for the short-term or investing in the long-term, it is a good idea to get into the habit of putting aside part of your earnings. This will give you a disciplined approach to investing and allow you to take advantage of time to allow your money to compound and grow.
  
  
• Insurance Protection – re-examine your current coverage to ensure it is sufficient to protect your ability to earn an income with Critical Illness Insurance and Disability Insurance. Managing your health care costs with Health Insurance may now be more important than ever. Life Insurance is essential to make sure that your spouse and children are looked after today and in the future. If you die prematurely, become disabled or critically ill, will the loss of income be financially as well as emotionally devastating. There is no better time to start making financial plans for such eventualities than with the birth of your first child. Review your plans for changing needs, at least every two years.
  
• Planning for the future – house (HBP), rainy day (TFSA), contributions to your retirement (RRSP, GIC, Annuities, Segregated Funds, Universal Life), education (RESP, LLP), other Investment opportunities.
  
  
• Document your Wills, Power of Attorney and determine your Estate Planning.

 

Contact Stewart Financial Services for more information about opportunities that will meet your family`s current and future needs.