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Russ MacDonaldWhen it comes to fulfilling your wishes, you want a sense of security. You want to feel empowered, knowing you have made the right estate planning decisions. You want to know you have adequately prepared for the financial well-being of your loved ones.

Depending on your age, some have spent a lifetime being prepared for each stage of your life – planning ahead. Leaving a legacy isn't any different. How can you ensure the people or causes who matter to you get what you leave for them?

Let's look at an individual's Non Registered Investments as an example. These investments are in many cases invested in Mutual Funds. What happens to these investments when one dies? Upon your death, proceeds are an asset of the estate and are subject to probate fees, the estate administration process and legal or accounting fees. What does that mean to your loved ones or causes you support? In a nutshell, less money for them and a delay in them receiving the funds.

If you are interested in this not happening, then there are alternative investment funds that do exist on the market today. Are you interested in having your Non Registered Investments do the following?
  • Bypass estate so that funds can flow directly to named beneficiaries while avoiding many of the fees that accompany the estate process.
  • Have Creditor Protection.
  • Have 100% of your principle invested protected should market downturns occur at your passing all the way to age 90.
  • Contain ability to reset your principle guarantees every year that your money grows higher than the initial amount invested.
  • Reduce management fees. (Depending on the amount of your Investments there is potential for less management fees than mutual funds.)
If the above scenarios are of interest to you or someone you know or even if you would like to inquire further on any questions you might have then please feel free to contact me so that we can get started helping you or a loved one plan ahead; this way your or their wishes are handled in potentially the most efficient way.

-Russ MacDonald
Heritage Insurance Ltd., (306) 631-9738


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Looking for coverage? We can help. Call Heritage Insurance Ltd. at (800) 667-7640 for a free Moose Jaw SK life insurance quote.
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Heritage Insurance, Ltd.
100A Fairford Street West
Moose Jaw, SK S6H 1V3

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