Single Purpose Planning
In some situations, individuals may already have a good handle on their overall financial plan and may merely require assistance in meeting a specific need. The Couillard Group can help you articulate your needs and recommend specific action or products to fill the gap.
Generally these needs will fall into one of two categories:
1. Risk Management
Premature and Unexpected Death
Wills and Enduring Power of Attorney
The Couillard Group will help with discussions surrounding your Will and will refer you to the appropriate legal assistance, as required, for the drafting of the documents.
Life Insurance Planning
We can help you determine your needs and sort through the myriad of product choices available in the marketplace. As an independent product and advice group, we can offer unbiased product selection counsel.
Extended or Permanent Disability
Disability income replacement coverage
Choosing the appropriate coverage to replace your income lost as a result of an extended health issue can be a challenging task. The Couillard Group can help with plan design and the appropriate selection of an insurance company.
Critical Illness coverage
One of the more popular products, Critical Illness coverage, will pay a predetermined lump sum of tax free cash after having being diagnosed with one of a number of major illnesses. The large majority of claims coming from stroke, cancer and heart attack. Selecting the right product and company can seem confusing. We can help you make wise choices.
2. Investment Management
The Couillard Group can also help you make wise choices regarding:
Registered Retirement Savings Plans (RRSP’s)
Registered Retirement Income Funds (RRIF’s)
Registered Education Savings Plans (RESP’s)
Life Annuities
Creditor-protected Investment Programs
Tax Planning