Patrick MacDonald, CLU, CHS - Financial Planner, Sun Life

These days, your paycheque doesn’t get you as far as it once did. Here are 3 tips to make your money go further for your family:

1. Create a budget
2. Tidy up your insurance products
3. Use your credit cards wisely

Not sure where to start? I can help. Reach out to get started.

What’s better than wealth? Sharing your wealth with those you love. An estate plan can help you do that. Let’s discuss how you can share the wealth when it’s time.

Making smart money moves is easier than you may think. Check out this article for 8 ways to help you progress toward a brighter financial future.

8 smart things you can do for your finances Here are the top 8 money moves to make so you can get a handle on your finances. Visit sunlife.ca to learn more.

It all begins by planting a seed. A stress-free retirement starts with a plan. Reach out to me to get started.

Struggling to keep up in 2024? These days, running a business can be expensive. Connect with me to see how we can help set you up for success.

Living with diabetes can be challenging. You deserve the peace of mind that comes with protecting what matters most.

If you live with Type 1, 2, gestational or pre-diabetes, book some time with me to discuss your protection options.

Back to school is around the corner and with it comes extracurriculars, sports, field trips and more. If you want to feel more confident about paying for the upcoming school year, reach out to me for a financial assessment.

A diversified portfolio that’s simple to manage? That’s the benefit of a Sun Life advisor. Reach out to me to simplify your portfolio.

What is a Registered education savings plan (RESP)? An RESP is a tax-deferred account to help you save for a child’s or grandchild’s post-secondary education. RESP funds can be used to pay for the costs of qualifying education programs, such as:

- Apprenticeships
- Trade schools
- Colleges
- Universities

Reach out to me to learn more!

Dreaming of a worry-free retirement? Putting your investments in one place can reduce risk, save taxes and make estate transfer easier. Reach out to create a retirement plan that works for you.

In business, it’s common to take risks. But why take risks when it comes to your finances? I can help you create a financial strategy that helps you reach your short- and long-term goals. Connect with me to get started.

You may already know that a sedentary lifestyle isn’t good for your health. But did you also know that it can actually cost you money? That’s because inactivity is a proven health risk* and proven health risks can make your life insurance and health insurance more expensive. If you’re currently healthy but don’t get much movement in your day-to-day, you likely don’t pay more for your insurance now. But you could later on, if you develop a health issue associated with inactivity.

*Source: World Health Organization

If you're the sole earner and provider for your family, every dollar counts. That’s why, as a single parent, you may want to consider these health and life insurance options:

1. Life insurance for single parents
2. Disability insurance for parents
3. Critical illness insurance (CII) for parents and kids
4. Accident insurance for parents and kids
5. Life insurance for your kids

Reach out to me to discuss your protection needs.

Without protection, you may be at risk. Let’s create a strategy that helps protect you from the unexpected. Contact me to get started.

Sun Life weathered many storms and built trust with Canadians for more than 155 years. As a Sun Life advisor, I carry the same commitment to you and your family. Let’s get started.

We all want to live long and healthy lives that are free from financial worry. These three guaranteed investment products might be right for you and your retirement plan. Let’s chat.

3 guaranteed investment products you need to know about You’re expected to live longer than your parents. Will you have enough retirement income to last for the rest of your life? Learn more about guaranteed investment products.

As a business owner, your business relies on you. So what happens if you suddenly can’t work? Let me help you protect your business from the unexpected.

Spending time outside can be great for our mental and physical health. What summer activities are your favourite? Let me know in the comments!

Small changes to your portfolio may have big effects. Contact me to set up some time to assess your portfolio.

Simply put, you need to know where you’re starting from before deciding what’s right for you. These 3 simple steps can help you build your wealth.

1. Understand your financial situation.
2. Set financial goals.
3. Get personalized advice.

Reach out to me if you’re ready to start working on your financial roadmap.

Have you been dreaming of a retirement filled with travel? With a little planning, you can stretch your travel dollars to find more adventure than ever! Check out these 5 tips.

Top 5 retirement travel tips Now that you’re retired, you have all the time in the world to travel – but can you afford it? And what about your health? Check our tips for saving money and looking after yourself.

Did you know? As a Canadian living with diabetes, you can get life insurance. Find out more in this article. If you’re ready to explore your protection options, reach out to me.

Life insurance for people with diabetes: what it is - and how to get it Can you get life insurance if you have diabetes? The answer is yes. Here’s what you need to know.

Make the most out of your investments by understanding how taxes affect them. Learn more in this article and reach out to me if you'd like to discuss your portfolio.

Seven taxes on investments you need to know about Understanding the way your savings are taxed will help you avoid nasty surprises at tax time.

The tax-free First Home Savings Account (FHSA) is a registered investment account that lets Canadian residents to contribute up to $40,000 (with an annual contribution limit of $8,000) to buy their first home in Canada. Looking to start saving up for your first home today? Let's connect.

Summer is in full swing! It's days like these that remind us what activities we enjoy most. I can help you think ahead to your retirement years to help make sure you can keep doing more of what you love.

Can you believe we’re already halfway through 2024? If you’re a business owner, try these 3 things to stay on top of your goals:

1. Create or assess your business plan.
2. Assess your monthly budget.
3. Adjust your financial goals.

If you need help, I’m only a call away.

Did you know? The best time to plan for the unexpected is when you’re healthy. If you wait until you need it, your options can become more limited. If you’re ready to explore insurance options that will help you find peace of mind, give me a call!

If you’ve been contributing to a First Home Savings Account (FHSA) but don’t end up buying a house, you have options. Reach out to me to discuss how you can access these funds.

Will you lose your FHSA funds if you don’t buy a home? The purpose of the FHSA is to enable you to buy your first home. But what happens if you don’t?

Job losses
Decreased investments
Lower home values

If you want help protecting your money, let’s connect and carve out a path forward that works for you.

You don’t know what you don’t know. That’s where I can help! You can rely on my experience when it comes to investing, estate planning and living your retirement dreams. Get in touch and let’s talk about your unique situation.