Janet James CFP, CLU - Financial Planner, Sun Life

Introducing Sun Life Term Insurance for Diabetes. Now, people with Type 1, 2, gestational or pre-diabetes can get coverage to protect their loved ones. Book some time with me. You deserve the peace of mind that comes with protecting what matters most.

Attention! From now until June 30, Sun Life is offering a protection bundle promo. You could receive a discount on your insurance premiums.

Are your savings protected? Is your money growing tax-preferred? If your answer is no, or you’re not sure, this might be the time to take the next step.

Contact me to learn more about this protection bundle offer.

Three reasons to get life insurance in your 20s and 30s
It can be tempting to put off all but the most pressing financial issues until later. But thinking about life insurance now can actually help you balance — and achieve – your early financial goals.

Want to know why you should get life insurance in your 20s and 30s? Learn why here. https://sunlife.co/4lifeinsurance2

3 reasons to get life insurance in your 20s or 30s (video) There are perks to buying life insurance in your 20s or 30s. Watch now.

How it works: Capital gains tax on the sale of a property
Thinking of selling a second property? You might want to refresh your knowledge on capital gains tax first. Learn more here.

How it works: Capital gains tax on the sale of a property - MoneySense When is capital gains tax payable on the sale of property? And at what rate are capital gains taxed? We answer these questions and more.

10 questions about life insurance you’re afraid to ask
Are there some questions about life insurance that you’re hesitant to ask? Such as, does life insurance cover COVID-19 or can I get insurance if I have a dangerous hobby? What about, do I have to list my spouse as my beneficiary?

These and many other questions may be hard to ask. However, if it’s important to you I can provide the answers. Here are seven other questions you may have as well. If you have others or want to learn more, please don’t hesitate to reach out.

10 questions about life insurance you’re afraid to ask Does talking about life insurance make you feel uncomfortable? We ask and answer the top (and sometimes awkward) questions about life insurance. Read on to learn more.

Do you qualify for the disability tax credit?
Do you or your loved one have a disability? To offset some of the additional incurred expenses, you may receive financial help from provincial disability support programs. But did you know you can also get tax relief in the form of a disability tax credit? Talk to a tax professional to ensure you’re following rules and getting the most from these credits.

Do you qualify for the disability tax credit? If you’re getting ready to file your taxes, this article is for you.

What do you do when the stock market goes down?
Don't let the latest market volatility knock you off track. If you're investing for the long-term and have a diversified portfolio, here's why you should stay invested during setbacks.

Have questions about your investments? Reach out to me via phone or email.

What do you do when the stock market drops? Did the recent stock market drop make you nervous? Don’t worry – markets go up and down. But it pays to stay invested. Here’s why.

What do you do when the stock market goes down?
Since the beginning of the COVID-19 pandemic, investors all around the world have experienced market volatility. When new COVID-19 variants like Omicron appear, the market seems to drop.

Don't let the latest market volatility knock you off track. If you're investing for the long-term and have a diversified portfolio, here's why you should stay invested during setbacks.

Have questions about your investments? Reach out to me today.
https://bit.ly/11SM1

What do you do when the stock market goes down? Did the recent stock market drop make you nervous? Don’t worry – markets go up and down. But it pays to stay invested. Here’s why.

Although many Canadians have pre-diabetes, there’s a lot that can be done to slow or hold off the progression of type 2 diabetes.
We've talked with two experts from University Health Network’s (UHN) to get type 2 diabetes prevention tips. Get them here: https://bit.ly/8diabetes1

The best ways to prevent type 2 diabetes Having pre-diabetes doesn’t mean you’ll end up with a type 2 diabetes diagnosis. These strategies can help you prevent or delay the onset of type 2 diabetes.

There’s nothing better then doing what you love and believing in your talent. You will never work another day in your life.

Three reasons to get life insurance in your 20s or 30s.
Perks to buying life insurance at an early age? Of course! The earlier you purchase a policy the less you'll pay=the more you'll save in the long term. Don't miss out on all the savings. Contact me today to set-up your first insurance policy.

3 reasons to get life insurance in your 20s or 30s (video) There are perks to buying life insurance in your 20s or 30s. Watch now.

Have you checked in on your financial health lately?

As an advisor, I can help you set a monthly budget, save for your goals and plan for retirement.

Focusing on your financial health is just as important as your physical and mental health. It can have a significant impact on your well-being. Let's work together!

What’s the best age to get life insurance?
Do you think you're too young for life insurance?

Well then, let me ask you a few questions. Are you planning to buy your first home soon? Are you in the middle of planning a wedding or starting a family soon? If you answered 'yes' to any of these then life insurance could be right for you. No one can predict the future. If something were to happen to you, the smaller payments you make towards life insurance now will give your loved ones a lump sum payment to meet their financial obligations.

Don't miss out on saving more and protecting your family's future. Contact me today.
https://bit.ly/8insurance4

When should you buy life insurance? Is it ever too soon or too late to buy life insurance? Here’s what life insurance can do for you at different times of your life.

Could you benefit from a digital detox?
Any plans for this weekend? What about a digital detox?

We know the benefits of connecting digitally. But it can lead to problems like stress, poor sleep and lower self-esteem. Understand what it is and where to start on Lumino Health.

Could you benefit from a digital detox? Feeling uneasy about how much time you spend on screens? Reducing your time on tech and social media might help. It can lower stress – and provide a fresh perspective on managing your life more effectively.

Did you know that cats can help lower stress, anxiety, and even depression? Happy !
To learn more, visit https://bit.ly/InternationalCatDay2020

Here are my 2 feline Ladies, Mowgli (Devon Rex 4 years old) and Tyrone (Calico 12 years old), living their best lives and providing hours and hours of entertainment :) Couldn't imagine life without them

What is insurance underwriting and how does it work?
Underwriting. It’s a word you may see if you’re buying insurance. But do you know what it means and how it could be used to save you some money? To learn more about underwriting, how to apply and how it could save you money, contact me today!

Underwriting is how insurers rate the risk of insuring you to calculate your premiums for various types of insurance.
• For life insurance, underwriters assess the risk of early death.
• For health insurance, they assess the risk of illness or injury.
• With mortgage protection insurance, underwriters assess both the risk of death and illness/injury.
• For home and auto insurance, underwriters calculate the risk of things like fire, theft, fraud and flood.

To learn more about underwriting process, how to apply and if it could save you money, contact me today!
https://bit.ly/8insurance2

www.sunlife.ca

More than half of Canadians with group life insurance have no other coverage: survey
According to a national survey, 62% of Canadians who have life insurance get it through their group benefits plan at work. The majority have no other coverage. If you’re like most people, life insurance can help your family cover bills and expenses without your income, should anything happen to you. Chances are whatever life insurance comes with your job, your coverage is falling short. To learn if you’re properly covered, reach out to me today.

Why is life insurance so important for women? Whether you’re a single mom or the main provider in your household, life insurance can secure your family’s financial future. Here’s how.

How to choose the right type of insurance
Reasons for having a life insurance policy vary from person to person. It depends on your personal situation, needs and goals. As an advisor, it’s my job to take a look at your financial and lifestyle habits to help determine which type of meets your needs. To discuss your options, reach out to me today to book an in-person or virtual appointment.

How to choose the right type of life insurance (video) There are 4 different types of life insurance to choose from. But which one is right for you? Watch to see how a Sun Life Financial advisor can help you decide.

Happy Long Weekend!
For many Canadians, today is a holiday. So let's get moving! It's good for your physical and mental health. Enjoy the day!

There’s nothing better then doing what you love and believing in your talent. You will never work another day in your life.

The CRA gives a chilling assessment on accidental TFSA over contributions
Have you accidently over contributed to your TFSA and aren’t sure what to do? Once you notice that you've definitely gone over the maximum allotted amount, you need to act fast. Contact the financial institution holding your TFSA to withdraw the amount you’re over and review your next steps.
https://bit.ly/6TFSA2

The CRA gives a chilling assessment on accidental TFSA overcontributions Jamie Golombek: It's easy to get tripped up by the TFSA contribution limit and face the dreaded penalty tax

Pattie Lovett- Reid: ‘Bank of Mom and Dad’ is still open for business, but should it be?
Today it’s become common-place for parents to help their children purchase a home. Last year during the pandemic nearly one in seven parents helped with a home purchase with almost 5% tapping into their own home's equity. If you’re thinking of doing the same for your children it’s best to be aware of the risks first. Here are five you should know.
https://bit.ly/6parents1

Pattie Lovett-Reid: 'Bank of Mom and Dad' is still open for business, but should it be? A new report by Manulife Bank found that three out of four people who want to purchase a home simply can't afford one, with one third of homeowners admitting they needed help from their parents for the purchase, writes CTV News' Chief Financial Commentator Pattie Lovett-Reid.

How to use your RRSP to buy a house (infographic)
The Home Buyers’ Plan (HBP) lets you use your , tax-free, to buy your first house. But how does it work? And what are the conditions? Find out what it's all about and if it will work for you.
https://bit.ly/6RRSP1

How to use your RRSP to buy a house (infographic) Are you saving to buy your first house? If you have an RRSP, you can use it to buy your new house. See how the Home Buyers’ Plan might work for you.

Feeling unmotivated, distracted, or just generally a bit…blah? Mental health advice often focuses around depression, stress and anxiety. But maybe you just aren’t feeling like yourself these days. has some great to help. Check them out here: http://bit.ly/6motivation1

11 things to do if you feel unmotivated or distracted right now Not feeling like yourself these days? A psychologist explains how the pandemic blahs may be related to how humans recover from disaster, and what you can do about it.

Retirement savings calculator
Want to get started on your retirement plan? Find out how much you will need to save and if you’re on track to meet those retirement goals with this 2-minute calculator. Have questions? Reach out to me today!

Retirement savings calculator Sun Life can help you build and protect your savings with investment products, life insurance, health insurance, and financial advice.

5 reasons people don’t talk to an advisor
Do any of these sound familiar? If you’re using these excuses for not meeting with an advisor, here’s a great article to help ease those fears.

5 reasons people don’t talk to an advisor Putting off meeting with an advisor because you're afraid it’s not right for you? Let’s ease those fears, one excuse at a time.

Wishing a very HAPPY FATHERS DAY to all the father figures in our lives: Dad, grandpa, brother, uncle, friend, coach and teacher. Your daily support makes all the difference and we love you very much :)
Will you share with me your best DAD joke?
you know you have at least one ;)

How to make the most of your TFSAs in retirement
During income-earning years, a Tax-Free Savings Account (TFSA) can be used to fund numerous expenses – a child’s education, family trips, a wedding, just about anything. Once you retire, you’ll discover that a is just as versatile, helping you to meet a variety of needs unique to .

How to make the most of your TFSAs in retirement | MoneySense It’s generally better to contribute to a tax-free savings account than an RRSP as you approach your post-employment years. TFSAs can also take some of the sting out of required RRIF withdrawals.