Life Insurance Broker - Strategic Advisory Solutions

PASS ON THE ESTATE, NOT JUST THE TAXES

The average Canadian household will pay $34,408 in payroll, income, and health taxes in 2024[1]. They will also pay $9,164 in sales tax and $4,664 in property tax. And if you like your occasional Cabernet Sauvignon on a Saturday night, then you will also pay around $2,359 in liquor and other excise taxes for that privilege this year. The taxes are unending. Yet the biggest tax bill you will ever face hasn’t happened yet…It will happen when you sell all your belongings at once. It will happen when you die.

Health and Financial Ruin

The relationship between your personal health and financial wellbeing go hand-in-hand. Life altering illnesses are costly. Paying for treatment and everything else in your life while losing your income can debilitate your finances. To put in perspective, 35% of cancer survivors continue to live with chronic pain that limits their day-to-day life or work activities, and in Canada, they earn 10% less than before their diagnosis.

Using Life Insurance to Create a Retirement Fund

If you’re an owner of a professional corporation, you’re more aware than anyone of the responsibilities you have to make your own savings plan. For you, there’s no such thing as a company pension, and beyond your registered investment accounts, your savings vehicles are limited. You’re also more aware that in the Canadian 2024 federal budget, the capital gain inclusion rate has gone up to 66.6%[1] in its slow but inevitable march towards 100%.

WHO GETS YOUR BUSINESS?

The nature of succession is changing. Across the globe, the old practices of succession are declining. Practices like primogeniture (passing the business exclusively to ones offspring) now make up only 12% of succession plans.

PROTECT YOUR LOVED ONES

Have you thought what you’re going to get your loved ones this Valentines day? Perhaps the gift of health by buying them a gym membership. Maybe something more immediate and delectable like chocolate covered strawberries. Or maybe you want to gift them the most selfless gift of all, a guarantee. A guarantee that says no matter what happens to me, you can keep living with the plans we made together.

MAXIMIZE SUCCESS

Optimizing net worth for successful entrepreneurs and families

With almost $15B of life insurance under management and $2.5B of insurance financing facilitated per year, we are the largest and most sophisticated insurance brokerage in Canada. With a 20 year history and a team of more than 80 professionals, we collaborate with our clients and their advisors to provide ideas, strategies, and solutions to complex problems.

STRATEGIC ADVISORY

Custom life insurance solutions. Tailored to our client’s financial goals.

LIFE INSURANCE SOLUTIONS

Our team of experts work with your advisors to guide strategies and solutions.

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“We are a group of professionals and thought leaders who collaborate with our clients and their advisors to provide insight and innovative solutions to complex estate planning opportunities and challenges.”

Susan Kichuk, CEO

WHAT WE VALUE

At TTSG we are guided by the following values..

COLLABORATION

GIVING

INNOVATION

INTEGRITY