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The Value of Advice – Own your future. Plan for it now.

June 27, 2017

A job loss. A prolonged illness. A sudden death. The decision to go back to school, or travel the world – just a few of the unexpected life events that can send you – and your finances – reeling.  Plan for it now.


(Video) – From realLIFEstories: Richelle Hecker – Serving Country and Family

June 27, 2017

“Army Major William F. Hecker served his country by fighting in Iraq. He paid the ultimate sacrifice, leaving behind his wife and four children. Learn how his foresight to get life insurance coverage saved his family the additional heartache by protecting their financial well being.”

“Army Major William F. Hecker’s long-range plan was to become a college English professor, but first he was committed to following in the footsteps of his family and serving his country. A West Point graduate, he was an officer in the 3-16th Field Artillery Battalion, and in late 2005 he was deployed to Iraq. Just six weeks into his tour of duty there, he was killed by a roadside bomb. Bill was just 37, and left behind his wife, Richelle, and four young children.

Nothing could have prepared Richelle emotionally for her loss, but she knew Bill had taken steps to ensure the family would be okay financially. The Army provides soldiers with a $100,000 death benefit, and Bill had bought additional life insurance offered by the military. But he knew even that wouldn’t be enough to cover his family’s needs. So he purchased additional coverage on his own. His individual policy even included an option to increase his coverage every three years regardless of his health status, a valuable feature for someone with a hazardous occupation. “He did all the right things,” says Samantha Hilliard, Hecker’s insurance professional.

Richelle and her children, now ages 3 to 11, recently resettled in Colorado Springs, Colo. With the insurance benefits safely invested, Richelle’s living expenses should be covered long after her Army survivor benefits have run out. That leaves her free to remain a stayat-home mom as long as she wishes.

Though Bill’s service to his country put him in harm’s way, that wasn’t the only reason the Heckers bought life insurance. “Obviously, he had a dangerous job, but there’s always a chance that any of us won’t make it,” says Richelle. “It’s just the right thing to do.””

(Video) – From realLIFEstories: A Short Story about Sarah Lewis

June 2, 2017

“Why is life insurance so important? Just listen to Sarah Lewis’ true story about how, after the unexpected death of her husband, life insurance helped her set up college funds, pay off the mortgage, and hire someone to help care for the kids while she worked.”


“David Lewis always went the extra mile to help others. As a pediatric cardiologist, he was known for spending endless hours with his young patients, giving his home number to their families, and managing to make them laugh in difficult times. David’s commitment to children extended all the way to Ecuador where he made regular trips to provide free medical care. But David never allowed his dedication to his patients and the active role he played in his community to keep him from his top priority in life, his wife Sarah and their three young children.

“David wanted to make sure his family was taken care of no matter what happened, and life insurance was a key part of his plan,” says David Giddings, CLU, Lewis’ friend and agent. To make sure their coverage remained up-to-date, the Lewis’ met with David twice a year to review their coverage.

During his sixth mission to Ecuador on September 12, 2001, David suffered a heart attack and died in his sleep at age 43. Because of the way David lived his life, the many people whose lives he touched have had a hard time dealing with his death. This is particularly true of his family.

While the pain from their loss may never go away, life insurance allowed David to leave a valuable legacy. The benefits from his policy have enabled Sarah to pay off the mortgage, provide college funding for the children, and maintain their quality of life. “The greatest gift you can give your family is to think ahead and be prepared,” says Sarah.”

GLC’s Weekly Snapshot – May 19th, 2017

May 25, 2017


“…Despite rising gold and oil prices, negative sentiment toward the S&P/TSX Composite continues to weigh heavily, with the latest blow being the formal notification to Congress of the US’ intention to renegotiate NAFTA…”

“…the ability of Congress to initiate any progress on these same agenda items is also now in question as House and Senate politicians become distracted with investigations and hearings into alleged misconduct within the Trump administration…”

“…As an indication of the level of pre-occupation with such events, ‘Trump’, ‘Trump impeachment’, ‘special prosecutor’ and ‘Robert Mueller’ all ranked in the top 10 Google searches this week, well above the worldwide cyber attack by the ransom ware ‘WannaCry’…”

“…Oil prices broke back above the $US50 level for the first time in a month…due to a combination of both the US dollar weakness and signs of hope for curbing the global supply glut…”

“…the letter from the more politically-nuanced US Trade Representative, Robert Lighthizer…overall the tone on both sides is fairly antagonistic. Canada slapped duties on drywall before the US enacted tariffs on lumber, and then BC threatened to retaliate by banning shipments of coal. Boeing is targeting Bombardier. So in turn, Canada threatens Boeing fighter jet contracts. Not the best foundation for friendly discussion. Let’s hope these are all just pre-negotiation tactics and posturing…”



May 19th, 2017 – GLC’s Weekly Market Snapshot (click here for full report)



(Video) – Critical Uncovered – Critical Illness Insurance

May 18, 2017

Critical illness insurance shouldn’t be confusing. See how it works and how it can benefit you and your family. Find out more at:

If you have questions about the content of the video, let me know.


GLC’s Weekly Snapshot – May 12th, 2017

May 16, 2017



“…Despite weakness for most equity markets on the week, all-in-all, the mood is more favourable toward risk assets today than several weeks ago. Canada is the exception. Canadian equities are currently out of favour, falling for a third week in a row…”

“…Moody’s Investor Services added to the negative sentiment toward Canadian equities as the credit rating agency downgraded all six large Canadian banks. We see the move as one born out of an abundance of caution, and don’t see the downgrades as cause for alarm…”

“…Oil prices rebounded from last week’s 6% slide…”


May 12th, 2017 – GLC’s Weekly Market Snapshot (click here for full report)



(Video) – From realLIFEstories: A Short Story about Theresa and Joe Mollicone that highlights the value of Long Term Care Insurance

May 10, 2017

Theresa came from Italy when she was 14 and met her future husband 4 year later.  They both ran their own businesses and had the right coverage in place when things went wrong.

“Months after his 65th birthday, Joe Mollicone suffered a stroke that left him partially paralyzed and unable to speak. Joe’s insurance started paying and was enough to cover his home-care needs. Joe eventually reached his policy payout limit but continued to receive benefits because of his policy’s shared-care rider allowing him to tap into his wife Theresa’s benefits. Because of the couple’s wise planning, Joe received the care he needed and most of their retirement savings were preserved.”

(Video) – Types of Life Insurance Explained

May 5, 2017

Hi Everyone,

Here is a 5 minute video that explains the different types of life insurance available on the market and how they might work for your situation.  This video answers a lot of the questions that come up in the early stages of planning and can help you be more confident in having this conversation with your financial advisor.

If you have questions about the content of the video, let me know.


GLC’s Weekly Snapshot – April 28th, 2017

May 2, 2017



“…The Canadian dollar fell to its lowest level in 14-months (see Chart of the Week) as the US slapped a ~20% tariff on Canadian lumber exports and President Trump threatened, then retreated from, action to pull out of NAFTA…”

“…Adding to the trade woes for Canada were poor readings on retail sales and GDP…”

“…at Home Capital Group. The alternative mortgage lender is facing a run on its deposits and requires rescue due to a rattling of investor confidence over an OSC investigation into the cover-up of improprieties amongst some of the mortgage brokers they deal with. The news comes at a time of heightened scrutiny for the Canadian housing and mortgage market, and some felt it has the whiff of the kind of behavior witnessed prior to the US housing crisis…”


April 28th, 2017 – GLC’s Weekly Market Snapshot (click here for full report)



The Value of Advice – Mutual Fund Investing: The value you receive in relation to what it costs

May 2, 2017

Did you know that Canadians who work with a financial advisor have, on average, four times more investable assets than those who do not?*  For more information, feel free to ask.


Mutual Fund Investing: The value you receive in relation to what it costs (click here)