There are many reasons for buying life insurance. If you`re the primary wage earner in the family, life insurance is a good way to help provide your family with a stable financial future. If you aren`t the primary wage earner in your family, it`s important to have insurance to help cover the financial burden of childcare, funeral expenses, and other unforeseen costs.

While it`s difficult to face our own mortality, planning for it can ease the burden our loved ones will face later. Purchasing life insurance can help make a difficult situation easier by providing death benefits for:
- Unpaid medical bills
- Income replacement for survivors
- Final expenses like burial costs
- Unplanned or emergency expenses
- Your mortgage balance
- Future education funds for your children

Using life insurance products will be able to help you establish an estate plan, use it as a component to your savings strategy, retirement income, and can even pay for your estate taxes.

Every person has a different idea of what financial security means. If something should ever happen to you, how much money would your family need?

You need to consider the following:
- Your current debt
- Expenses your family can expect to pay after your death
- Your family`s future needs

A general rule of thumb to calculate your life insurance needs is to multiply your annual salary by at least 15 to 20 times.

Once you`ve determined how much life insurance you need, the next step is to choose the right company and understand your coverage options.

Choosing the right company and the right broker can be a difficult task. Before choosing, many important questions need to be answered such as:

- Does your insurance broker have the knowledge?
- Is your broker ethical?
- What insurance companies do they represent?
- What type of insurance does each company offer?
- What products does the company specialize in?

A.T. Financial represents over 30 insurance and fund companies, providing you access to products that best suits your needs.

By choosing A.T. Financial, you will benefit from many years of professional experience in the insurance and financial planning industry. We will work towards understanding your needs, as our client, and we will shop around through industry programs in order to find the best possible solution to your problems.

35% of the population have no idea how much they’ll need for their retirement.

Make your retirement what you have always dreamed it would be. No matter what your retirement dream is, proper planning will make it happen. When planning for your retirement, it is important to establish your personal goals as they determine the size and shape of your financial goals for retirement.

A.T. Financial can help you in every stage of the planning process, by helping you determine how much money you`ll need for retirement, the best ways to save this money, and how to manage your income from now right through until you stop working. Give us a call and we will help you develop an effective plan for reaching your retirement goals.

Our services include the following and more:
- Create Retirement Goals
- Plan to reach your retirement goals
- Assess current assets and investments
- Build up savings
- Asset allocation
- Asset protection
- Tax reduction strategies
- Estate planning & protection
- Risk assessment

Many business owners frequently don’t centre their attention on long-term planning and often forget about this when running their company on a daily basis.

At A.T. Financial, our trained professionals are able to provide help to business owners to manage their wealth and maximize their growth. We also provide employee benefit plans, group insurance, tax and estate planning, and compensation plans for key individuals of your company.

We have effective strategies to release retained earnings for your retirement in a tax efficient manner and help you defer your taxes. Our team will help provide you with the right approaches to arrange a buy sell agreement for your company, family wealth equalization, business succession, and key man insurance.

It is recommended to have group insurance in the company so that you can:
- Cultivate a productive and efficient workforce with increased worker morale
- Recruit and attract qualified workers
- Retain current ones so they will be more motivated to stay at your company

Employers need to make sure that the benefits packages they provide employees are up to date. These packages need to be reassessed every year as rates of products often change from year to year. We have the trained professionals to help you reduce your costs and help you save money to provide valued benefits.

Professionals are usually their own drivers in the creation of their wealth and income. Their jobs often times involve many risks and issues and we know this. Our trained professionals have the tools to manage these risks and provide an individualized plan for you.

We specialize in:
- Serving health care professionals such as doctors and dentists
- Providing individualized disability, critical illness, and life insurance packages for the start of their careers
- Hosting seminars regularly to provide new health care graduates the needed information about these specialized packages that we offer
- Guiding health care professionals as they continue their career advancement and incorporate their own company

Furthermore, we provide many services ranging from:
- Customized wealth management
- Investment
- Life insurance
- Disability insurance
- Critical illness insurance
- Effective strategies to release your retained earnings so that you will have income for retirement
- Deferring taxes in the proper manner

We want to continue to grow with you. It doesn’t matter if you move out of the province or relocate across the world. We are only a phone call, email, or webcam away.

As an individual, advertisements for certain products can be overwhelming and may lead you towards the wrong direction. With our help, we can provide you with a variety of relevant financial and insurance products that will be beneficial to you based on your unique circumstances.

We will first complete a financial needs analysis to pinpoint where your personal needs lie. Our trained professionals will then create an individualized plan based on this. We can help you with your retirement, mortgage needs, income needs, as well as cash needs.

Often times many people are reluctant to discuss their financial situations with a close friend in great detail as it is a very private matter. There may also be cases where the friend will provide a coverage plan that is not preferred by the client, which may cause strains in the friendship if there is miscommunication. By consulting with professionals who are not related in any way to the individual, there is absolute confidentiality and less chance of straining any friendships.

In our company, our team of professionals have the in-depth knowledge to help serve you in the best way possible, whether it is with insurance, financial planning, wealth management, tax and estate planning, etc. We shop around for the best prices for each product that we specialize in and will provide you with the best plan for you.