It’s A New Year - Let’s Plan Ahead

With 2016 now at an end, I want to take this opportunity to wish everyone all the best for 2017. Since we are at a start to a new year, I have prepared a small financial checklist for you to review for the year.

Revisit Your Retirement Plan

Are you on track to retire when you are ready? Market fluctuations and changes in your personal situation may require possible adjustments to your plan. Sitting down with an advisor to determine new opportunities, your current investment objectives and time horizon will be a good practice in getting you to your final goal of retirement.

Review Your Life Insurance

Are you overpaying for your insurance?

Consider consolidating to lower costs.
Mortgage Insurance through bank vs. through life Insurance Company.
Are you in a renewal on your term insurance?

Are your beneficiaries up to date?

Is there a trustee on the account that may not need to be there anymore?

Consider Critical Illness Insurance For You And Your Family

If you get diagnosed with a major Illness are you financially prepared?
Are your family members prepared? Spouse, Children etc.

Employee Benefits (Disability Portion)

Are your Employee Disability Benefits adequate?
If you become injured or sick will your monthly benefit be enough to get you through that time?

All of these questions can be reviewed with a phone call. It doesn't take long for time to fly by and possibly it has been some time since you possibly last reviewed these topics. I recommend taking the time to ensure that these topics are reviewed and looked after. Feel free to call me if you would like to address any of these topics.

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

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Make sure you're protected. Call Heritage Insurance, Ltd. at (800) 667-7640 for a free Moose Jaw, SK life insurance quote.

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