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As taxpayers, Canadians are often left with a limited amount of cash flow after taxes and expenses. Most Canadians feel that they can't increase their wealth nor attain their financial goals with the limited resources remaining.


However, Canadian investors do have ways to reduce taxes or receive bonuses on their contributions:

Insurance Wealth Financial knows that there are only so many hours in the day for Canadians to earn income, so we work with our clients to increase their wealth even while they're working, eating or sleeping. Insurance Wealth Financial also offers ways to protect your income and investments.

Canadians saving with RRSP's




Diversifying Your Investments

Not only is investing within your risk tolerance important, but diversification is key as well if you want to reduce risk. Remember the old adage, "never put all your eggs in one basket".

Using Life Insurance as an asset class, gives you the ability to grow cash value tax-free at the lowest risk. You also have the ability to use this cash value to leverage (Infinite Banking Concept). Using whole life insurance within a corporation will also reduce the taxes owing in your estate.

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When investing with mutual funds, although each mutual fund is diversified, it's still a good idea to diversify your portfolio with more than one mutual fund. Learn more >>>

Diversify your assets.  Investing in mutual funds does reduce your risk, but if you do have a higher risk tolerance or if there is a specific company you would like to invest in, there are trading platforms available. In Canada, dividend income from Canadian corporation stocks is taxed at a preferential rate. One of the discount brokerage platforms with the lowest fees is Questrade





2020 has been a year of uncertainty, but it has been a profitable year for Bitcoin...increasing almost 5x its value before the Pandemic started. Other cryptocurrencies have also increased like Ethereum, growing almost 7x its pre-Pandemic value. For those who want to gt on the crypto bandwagon, Bybit is a platform that Canadians can trade Bitcoin, Ethereum, Eos and XRP on.


Since the 2008 housing crash, Canadian investors have made profitable earnings in real estate. With a low interest rate environment, investors have been able to leverage their net worth with mortgages, home equity lines of credit, reverse mortgages and accessing their cash values in whole life insurance policies.

Real Estate Loans in Canada
RRSP-Retirement Nest Egg.jpg

Registered Retirement Savings Plan

A great way to save for retirement and receive annual income tax deductions before retirement. You also enjoy tax defer growth in your investment before withdrawal. 

Seniors retired with lifetime income

Lifetime Income


Worried that you will run out of money during retirement? Worried about market fluctuations? Lifetime Income Funds eliminates these worries and guarantees money for life. 

Canadian TFSA

Tax Free

Savings Account

Canadians can invest tax-free with a TFSA. Ideal for an emergency fund, saving for a down payment, added retirement funds or additional education funds.

RESP's for post-secondary education

Registered Education

 Savings Plan

RESPs are tax-advantaged savings combined with free money in the form of government grants. Get a lifetime maximum of $7200 bonus for child's post-secondary education. Withdrawals are taxed at the child's low tax rate, 

Whole Life Insurance Cash Value

Whole Life Insurance

Cash Value Growth

Whole life insurance has the advantage of tax-free cash value growth. A properly set-up policy will optimize the growth and this cash value can be accessed tax-free and  without disturbing the cash value growth. 

Leveraging with Loans


with Loans

There's a difference between good and bad debt. Good debt is used to leverage one's net worth. Mortgages, home equity lines of credit, reverse mortgages, investment loans and CSV loans are all used to attain more wealth.

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