Money Moxie - Fall Money Tune Up: Review Life Insurance Needs & Inforce Coverages

Fall In The City - Toronto

This is the first of the fall tune up series.  Fall is officially hear, and in a few days we will usher in October, the beginning of the last quarter of 2018. General before the winter sets in we take our cars in for servicing, making sure the vehicle is in good shape for the winter ahead.  Now is a great time to do a financial tune up, and for folks with the income and or assets to take advantage of tax planning strategies, if you start now, you will have time to implement changes before the end of the calendar year.

I am starting off with life insurance though, because this area gets neglected often. I have seen print articles where research shows that most Canadians are UNDER INSURED!  Let's face it, it's morbid and not a topic most people discuss at the water cooler (are those still around?) or in the lunch room.  This past Tuesday I delivered life insurance claim cheques to a widow.  They were clients of my office before I joined, I got them as clients after their agent left the business.  Both spouses worked in the financial industry in mid level management/lower level executive positions on the business lending side, my age group, solid family and successful in every measure for a modern middle class family.  You know what the spouse/beneficiary said to me when I when to her home to help her with the claim forms?  "I wish Peter (not his real name) had more life insurance.  I am okay but the boys are just starting out, look at home prices, they have huge mortgages."  I felt it for her.  Really, really felt for her.  You see I had been trying for three years to make an appointment to see them but because they were with great jobs in a great industry and felt secure with having no mortgage and good pensions and some personal retirement savings they were alright and always had other priorities or too busy.

Bevism:  The only insurance that will pay when you die is one that is in force.  Get covered now, and make changes when you've figured out a long term strategy, or when you can afford the plan you prefer -  Beverley Allen

By sitting down with an advisor and updating your Financial Needs Analysis, your  concerns, "wants and needs" are discussed brought up, discussed and prioritized.  Your Financial Plan is updated to include your new  goals and priorities and then you can implement programs to address those priorities.  Life insurance plays a different role at every state of life.  When you are starting out, young family, building a career, Term Life, particularly Renewable Term, is a great way to get your desired coverage on the cheap.  You should have a long term strategy, however.  If these clients had not converted their Term Life policies to permanent insurance in their forties, there would be no insurance benefits to collect because "Peter" had taken "a package" from work and had retired early, so there was no group benefits.

In a nutshell, for your fall money tune up:

1) Get a Financial Needs Analysis (FNA) done.
2) Review the report, prioritize your wants and needs.
3) Apply for new coverages, or upgrade/set up new plans according to those priorities.
4) Review/update beneficiary designations on existing plans.
5) The Will - don't have one?  Get it done!  Have a will - if there has been changes in your family or life situation, review, and update if necessary.
6) Have Term Life coverage?  Look at converting some or all of your coverage to permanent insurance.  Do not wait until you can no longer afford the renewal premiums or get a final conversion option letter from your insurance company, your choices will be quite limited at that time.

Happy fall season,

BEVERLEY ALLEN, FLMI

Beverley

Investment Fund Advisor & Life and Health Insurance Advisor

Desjardins Financial Security Investments Inc.

Desjardins Financial Security Independent Network

Ontario Central Region (OCR), GTA West Branch

5070 Dixie Road

Mississauga, On L4W 1C9

#MoneyTalk #MoneyTalkwithBevAllen #TheValueOfSoundAdvice  #MoneyMoxie #MoneyMindset #RetirementReadiness #FinancialNeedsAnalysis #FinancialPlan #FinancialSecurity

Money Moxie - Practicing Consistency

"If you are persistent, you get it.  If you are consistent, you'll keep it.  Consistency is key." Serita Jakes 

Consistency is the secret sauce to sustained success.  If you observe the people who stay on top of their game - industry, profession, career - they share one think in common, and that is consistency.

I joined a mastermind group back in December to study the book Think and Grow Rich by Napoleon Hill.  I first read the book back in May of 1988 and it has been sitting on the shelf ever since.  I was home with a cast on a broken leg and grieving the loss of my beloved mother, it was Winter, and it sucked to be laid up big time.  I saw the promotional information  for the mastermind and thought, let me pull this book out and read it again, which I did.  After finishing my second read I could not help asking my self, "why was I not reading this book every six months?"  I decided to join up the TAGR mastermind group anyway, just so I could get a "deeper dive" into the text and get the benefit of the group wisdom.  The first assignment in the study was to read the chapter on persistence every day for fourteen days consecutively.  If we missed a day, we would have to start over from day one again! For quite a few years I have been attempting to become more consistent in my daily routines as I realized that great skill and knowledge and persistence but not consistently applied will cause one to come up short more often than not.  But  it was this assignment that brought out the reality of this awareness!  To get this assignment done I had to create a routine for reading and follow it consistently.  Is this easy? No it is not!  Especially with many tasks and interactions to cause distraction.  But a decision has to be made, if this is important to you, once you make the decision you definitely will do it.

To be successful at anything, a high level of consistency must be maintained. I can tell you those who develop routines and follow them consistently are less frustrated and more successful. They are more productive, they accomplish more for sure.  I was a young administrator working in a branch office of a life insurance company when I had a chat with one of the older and very successful agents.  He told me about his daily routine.  He said he got up the same time every day, read, have the same thing for breakfast and go to the barber for a shave before coming to the office.  He had lunch the same time every day!  That impressed upon my mind and I never forgot that conversation.  There were times when I criticized folks who I thought were not flexible enough because of their strict adherance to established routines but I later evolved on the matter as I realized that it worked for them.  My personality is of such that too much routine would make me feel like I'm in a straight jacket, but I never the less need to set up strict routines in the areas that matter the most to me or I'm likely to sabotage myself.  Many creative people hate routines but they are very necessary in some areas of life.

"Riches do not respond to wishes.  They respond only to definite plans, backed by definite desire, through constant persistence."  Napoleon Hill - Think And Grow Rich

When it comes to your major life goals, your money goals, being consistent is a must.  Consistently making, updating and following a budget means you will stay on track with spending and saving.  Having a plan in place to save and invest will keep you moving in the direction of your dreams.  The majority of people I have met with significant assets did not inherit them nor did they win the lottery! What they did do though is have some form of "forced" savings and investing, whether it is through their work in Group Retirement and Thrift Plans or individual plans they set up themselves through an advisor.  If you are going to wait until you have a big chunk of money before you start investing, it is a slim chance you will, because when that big chunk comes, if it comes at all, something will be waiting for it!

Once you have created a plan for your money goals and implemented programs toward their attainment, it is imperative to review them on a consistent basis.  Make adjustments as necessary.
For instance, if you start earning more money, you can increase your weekly or monthly savings and investment allotments, if you have a temporary setback you can lower them and reset them later.  Without regular review though, it is easy to lose track of the original goals and just let your plan drift.

Aspire to be consistent in all that you do so that it becomes part of your character.

BEVERLEY ALLEN, FLMI

Beverley

Investment Fund Advisor & Life and Health Insurance Advisor

Desjardins Financial Security Investments Inc.

Desjardins Financial Security Independent Network

Ontario Central Region (OCR), GTA West Branch

5070 Dixie Road

Mississauga, On L4W 1C9

#MoneyTalk #MoneyTalkwithBevAllen #TheValueOfSoundAdvice  #MoneyMoxie #MoneyMindset #RetirementReadiness #practicingconsistency

Leadership & Money: Money Moxie - Money Mindset

Hello, here's my new #blogpost.  Looking forward to your comments and feedbacks.

Leadership & Money: Money Moxie - Money Mindset: Mindset is the single most important determinant of success or failure on the road to wealth accumulation and the creation of generation...

Money Moxie - Money Mindset

Mindset is the single most important determinant of success or failure on the road to wealth accumulation and the creation of generational wealth.  What exactly is mindset?  Dictionary.com defines mindset as "a fixed mental attitude or disposition that predetermines a person's responses to and interpretation of situations".  This is pretty clear and accurate definition as it relates to all things money.  Mindset is "hard wired" way of thinking based of beliefs and experiences accumulated through family upbringing, life experiences, religious and spiritual beliefs plus our own fears, desires and expectations based on how we interpret the world around us.  Much of the hard wiring is on an unconscious level so we are not even aware of how these unconscious beliefs affects our decisions.

I have encountered some distinct patterns and mindsets during the course of my career in the financial services business and as a keen student in the school of life.  Take life insurance for instance; I have had highly intelligent and educated prospective clients say that they do not believe in life insurance and yet they understood life insurance as what it is - a tool where by you make arrangement for a sum of money you have not yet accumulated (and in many cases may not accumulate over a lifetime) to be paid out to the beneficiary or beneficiaries upon the death of the insured person.  Clearly any responsible person who does not have a trust fund set up for them, no longer lives in a village where family members take care of each other, who has created financial obligations (a family, debt) should have at least sufficient life insurance to take care of their funeral expenses and other financial obligations.  It would not take long in a casual chat about life insurance before the story where someone in the family - a parent, or grandparent "got taken to the cleaners" or lost money through an insurance company or an insurance agent, usually many many years ago before the insurance industry became the highly regulated and before systems now common place were even invented.  Ditto for investing in the stock markets.  A bad experience in the family repeated often creates a mindset that says only the bank is safe, or only the very rich can afford to invest in the stock markets.  The sad thing is that the negative experience sometimes has no resemblance whatsoever to the current reality and yet is is used as a block or hindrance to making beneficial decisions today.  In 1997 I ran into an old school mate who was living in New York.  I had not seen him for over twenty years.  Getting reacquainted we had many conversations about different aspects of life.  In one such discussion he told me that he would never buy a house in New York.  I was puzzled by this statement as he had a family and they were living a a rented house but his wife wanted them to have their own home and this became a bone of contention in their marriage.  After sharing my philosophy on home ownership and how it could be worthwhile for them if thy got a multi-family property I could see light bulbs popping.  Did not hear from my friend for about six months after that.  One morning my phone rang and upon answering I heard his voice, he sound very upbeat, even excited.  After exchanging pleasantries he went on to tell me that he and his wife had purchased a home and how happy that had made her.  The property was a triplex so the family occupied one unit while the other two were rented out.  From what I know, they still own the home.  Given they way real New York estate has gone in the last twenty years it worked out very well for them.  Mindsets can change, especially if it is a position taken without proper information and or out of fear.

Driving around you sometimes see bumper stickers that read "I AM SPENDING MY CHILDREN'S INHERITANCE".  This is good for a few kicks and giggle, but a mindset like this will stop some people from planning for when they will no longer be around.  If they have assets it is  lawyers, accountants and the government who become their most significant beneficiaries.  Quite often this mindset is an excuse to explain away an embarrassing financial reality or poor spending habits.

Some stances on money are not hard wired but are born out of bitterness and disappointments from children and other family members.  People do feel let down after making tremendous sacrifice  and the hurt and disappointment and feelings of being let down cause them to make decisions that are detrimental to their own future as well as that of future generations.  Take for example this lady I will call Velma (not her real name), she was so hurt by the behaviour of one of her daughters that her share as a beneficiary on the life insurance was kept at a very small percentage until finally the relationship was repaired.  Velma was so happy about being able to see her grandchildren from this daughter she went and had her will redone and changed her beneficiary designations to leave a more equitable share of her estate for this daughter.    I call these types of situation "soft wiring" or situational mindset.

Releasing Negative Mindsets & Money Blockers

"You cannot change your destination overnight but you can change your direction." Jim Rohn

Thought patterns more deeply ingrained because of generational baggage and trauma are more challenging to shift or overcome but it is certainly possible.  "I want to be more successful with my money and at life, where do I start?"  First comes awareness, by reading this you are connecting with the writing and becoming conscious of the need to look at what needs to change.  You most definitely will be getting little ah ha moments.  Keep going, the more you pay attention, the more frequently they come.  The good thing is once you see, you cannot "unsee", and if you build a strong desire the information and opportunities you need will find their way to you.  I strongly suggest you get a personal coach, and depending on your family history and life experience you may be wise to also seek professional counselling.  Trying to move forward without dealing with your "blockers" would be like trying to swim against the current during a storm.

I could not write about money mindset without talking about the influence of our religious beliefs on how we view and deal with money.  Because I am a Christian I know the damages that "wrong believing" taught and practiced  in many church denominations can do.  I experienced this first hand, and I see it with other practicing Christians in my business and hear about it through other personal encounters.  I was a young Christian mother, around thirty two years old, going through a difficult time in life.  I have always been a believer, raised in a Christian home, but my mother was a pragmatic Christian.  She was not one of those women who saw church attendance as being more important that caring for her young children.  I was baptized in the Apostolic faith, which was new to me,  and found some of their practises much too rigid and impractical in a changing world but I wanted to be a good church member so I followed along.  Some of the older members were exceptionally hard on the young women, even those with young children.  I remember once arriving at church and being accosted and chastised by an Evangelist that I was "running down money" because I was absent from the mid-week services.  I never discussed my personal business with this lady, she know nothing about me.  I was going through so much at the time, having two young children and a husband who was not cooperating or pulling his share of the family responsibilities.  That experience left me so hurt me that it took me a while to get over it, but I never forget it.  Not long after that I moved from the city to the suburbs and never returned to that church, having been back only once for a funeral.  Yes, even the church that should be a place of refuge sometimes pile on more hurt and damage than the outside world.

Small changes add up and pay huge dividends.  For me leaving the city for a nice suburban town in a lovely family oriented neighbourhood was the first of many significant moves that I made on my journey through the the second phase of my life.  Act II, as I call it,  was all about raising my children to be successful adults, surving and thriving in self-employment and coming out at the other end sane and healthy.  By making intentional changes to steer your life in the direction of your dreams you will reinvent yourself without even realizing it!  You have to be prepared to make shifts in your belief system and do things that you may not otherwise be prepared to do though, otherwise it will not happen for you.

Here are some books that have helped me that you may want to read.
1) Ageless Body, Timeless Mind by Deepak Chopra.
2) Intentional Living by John C. Maxwell.
3) The 15 Invaluable Laws Of Growth by John C. Maxwell.
4) How Successful People Think by John C. Maxwell.

In case you are wondering, yes, I love John Maxwell's work!  He is the number one leadership expert and I do believe he leads by example.  He also happens to be an ordained minister.

Good reading,

BEVERLEY ALLEN, FLMI

Beverley

Investment Fund Advisor & Life and Health Insurance Advisor

Desjardins Financial Security Investments Inc.

Desjardins Financial Security Independent Network

Ontario Central Region (OCR), GTA West Branch

5070 Dixie Road

Mississauga, On L4W 1C9

#MoneyTalk #MoneyTalkwithBevAllen #TheValueOfSoundAdvice  #MoneyMoxie #MoneyMindset #RetirementReadiness 

Money Moxie - The Power Of Patience

So much has been written about persistence, but patience, not as much.  Yet patience is the wrapping around PERSISTENCE and FAITH that binds them together and make them work.  Patience is the missing component in the formula for success at everything we undertake, and with investing and financial planning PATIENCE is vital.

 As a matter of fact, from my thirty years plus experience as an Insurance Advisor & Investment Fund Advisor, I see where many people who desire financial security or to leave a legacy for their heirs and loved ones stumble and fall because of lack of patience.  Sometimes it's a lack of faith as well as patience but mostly  patience.  We believe the event of retirement is too far away to think about it now, let alone start planning for the day when we would "pack it all in" and take life easy or do something entirely different.  The prospect of paying for a life insurance policy for forty or fifty years is a turn off for many, because they cannot see the value of making such a commitment to ensure a legacy to their loved ones, even when we see and hear about people dying from various causes every single day!  Yet time marches on.  Some are lucky enough to realize this in time to be able to take action, others reach a place of regret once they realize that time passed them by and they did not head advice or take action on the desires of their heart.

I was at the Creflo & Taffi Dollar Change Experience Day at the Roy Thompson Hall in Toronto back in August.  Dr. Dollar was teaching a message on Grace which got my attention and I have been meditating on it since. That lesson birthed something in me! He taught us that according to the scriptures, we already have faith.  "Every man has been given a measure of FAITH", and we need only "FAITH the size of a MUSTARD SEED" to move mountains.  Creflo Dollar said what we need to do is have FAITH long enough until what we are believing for comes about. We stop believing, and give up, sometimes just when the answer was around the corner, citing many scriptures as well as modern day examples of patience at work.   In other words, we do not have enough PATIENCE to wait until our plans come into fruition.  Not so surprising as we live in the days of instant gratification, fame without the sweat, and the throw away society.  There is no gratification with impatience, none!

Once we become aware of our own deficit in patience, we cannot  "unsee" it.  As we work on growing our patience brain and emotional muscles, we begin to observe others who are strong in this area of life, and on the flip side, those who lack patience stand out a great deal more.  Yesterday,
Tuesday September 4th, 2018, being the first working day after the Labour Day,  was one of those days where my patience muscles were tried and I got to observe the consequences of impatience.  It seems like so many people made the decision that they were going to act on lingering "stuff" yesterday.  I had an out of town client passing through who decided to stop to inquire about a pending issue.  I had to call the company involved, and of course, the call queqe was long, Mr. Impatience was getting anxious, his wife sat quietly beside him, reassuring him, "dear we are here already, might as well wait and get this over with" she said.  I could see the grimace starting to appearing on his face.  Feeling empathy for him, I said "let's give it a few more minute, after that the best thing I could do is send an email and wait for the answer".  I would update you at that time I told him.  He squirmished a little in the chair and then decided they would leave.  No sooner he was out the door I got connected to a customer service representative who apologized for the wait and mentioned how busy the phones have been in the afternoon.

Just prior to Mr. Impatience's arrival I had delivered a life insurance claim cheque to a beneficiary.  The process for handling the claim required a few extra steps because of where and how the insured had died.  I had explained all this when helping with the initial forms but I reassured her to just follow the steps to the conclusion.  She did not listen at first, trying to take short cuts, and of course screaming at the me and the insurance company!  I was nice but firm.  If you just provide the information that is asked of you, whether you think it is relevant or not, things will move along much faster, I assured her.  Once she did what was required, the process worked as was expected, I came back to work from the long weekend to find her benefit cheque, including interest earned on the proceeds during the time waiting for settlement!  Huge lesson for Ms. Impatience, and I got to be the observer.  In the end I learned that payment was made without one of the initially stated requirement which was a big relief and benefit to the beneficiary as it would have cost money as well as a longer wait if the company insisted on it.

I could write about patience as it relates to investing without sharing the contrast to these two investors with you.  Mona was downsized from her company the same year as Lindsay (not their real names).  They had transferred their severance pays and pension funds to our firm, myself being the advisor.   They commenced taking income from their retirement funds in the same year (1998) and things were working rather smoothly for both of them.  Lindsay, having a bigger portfolio and was being pursued by some "hot shot" brokers, was more demanding.  Of course, each time he met with another broker he would call and we would go over every recommendation, compare and when he would realize that he already got what the "hot shot" brokers were selling.  Mona is a Christian lady, who is typical individual who listens, asks questions, weighs the answers and then make decisions and trust.  Lindsay was also a Christian who TRUSTS, but PATIENCE was not his strong suite.  Then 9/11 hit, everybody who was exposed to the financial markets "lost" money after 9/11 and the subsequent financial crisis.  During the turbulence, I did the usual due diligence of meeting with clients, going over what they had invested in, and all that.  Mona stayed put, riding out the downturns and things worked out beautifully for her.  I was preparing for her annual review meeting last week and couldn't help but gasped when I looked deeply at the number - her net investment, the amount withdrawn (the cumulative income payments) and current account value.  After drawing maximum  income permitted under a Locked-In Retirement Income Fund for approximately 20 years, her account value was still over 66% of initial investment.  She has such a heart of GRATITUDE, and does not shy about praying for guidance for her advisor.  Lindsay, on the other hand, demanded his money be moved around according to what others were saying and doing, and even though his account recovered the losses of both the 9/11 and Corporate Crisis market downturns he started making large withdrawals which undermined the purpose of the accounts and eventually transferred out to the bank.  Based on what I have learned (still in touch with him) things did not go nearly as well for him as for Mona.  The moral of this story is, because you are a Christian does not mean you automatically have patience, does not mean you will always make the right decisions.  There are essential principles of life which the Christian has to learn just like the non-christian.  Life is a journey and we all have the opportunity to learn and grow.

Since I am a person of faith I close with these quotes from the Bible scriptures:

Proverbs 28:20 (KJV)- A faithful man shall abound with blessings: but he that maketh hast to be rich shall not be innocent.

2 Peter 1:6 - (NIT) And to knowledge self-control; and to self-control, patient endurance, and patient endurance with godliness,👪👫👩👨😇✌👏👏👏

May you grow in patience, by GRACE, through FAITH,

BEVERLEY ALLEN, FLMI

Beverley

Investment Fund Advisor & Life and Health Insurance Advisor

Desjardins Financial Security Investments Inc.

Desjardins Financial Security Independent Network

Ontario Central Region (OCR), GTA West Branch

5070 Dixie Road

Mississauga, On L4W 1C9

#MoneyTalk #MoneyTalkwithBevAllen #TheValueOfSoundAdvice  #MoneyMoxie #ThePowerOfPatience #Patience

Money Moxie - Retirement Readiness

#MoneyMoxie - #RetirementReadiness

moxie[mok-see]See more synonyms on Thesaurus.com noun; Slang.
1. vigor; verve; pep.
2. courage and aggressiveness; nerve.
3. skill; know-how
🔑💯

We can all learn something from a Guru!

There are millions of individuals who are in the 50+ age group who are not retirement ready.  I belong to this cohort and had to literally pull myself up by the bootstraps to be in a position where the prospect of living off government pensions in retirement has almost evaporated.  This happened over the last eight years.  For this reason, I have decided to focus on this group as it is a natural fit and I am well equipped to make a difference at a time when it makes a difference so that those who buy-in can have a different outcome.

I was having a conversation with some other difference makers today about this very issue. Fifty-plus age group is the most vulnerable in the job market and any set back in health or employment (God forbid if it's both) can completely derail retirement plans.  In this age group, it is most important to focus on health - mind, body and spirit; on wealth and on personal growth. I have a network of individuals in the health and personal growth area.  I am the go-to person with regards to your wealth.

To start off, if you are in this age group and you have not thought seriously about your retirement this is a matter of urgency!  You cannot afford to wait, you must invest time to thinking about your life now, and if you should be given the privilege of living to see retirement what you want that time in your life to look and feel like.  I suggest you write out a "life plan" and create a vision board (my friends now do a vision book because it is easier to carry around and work with).

Here's my 2015 vision book

Once you have done this, the next step is to take stock your finances and consult with a reputable financial professional. Your advisor should be somebody who take a holistic approach to financial planning and have a good understanding of taxation in your jurisdiction, and depending on your circumstances, refer you to a tax professional.  Holistic planning takes into consideration and addresses where necessary, the various tentacles of wealth planning - Retirement - Health - Investment Management/Advice - Legacy.  Legally lowering your tax burden while you are alive and taxation at death is essential to the success of your financial plan.

Hear is a caveat - some advisors are "text book" advisors, they follow a text book idea that people should to this at this age and that at this other age etc; we know that from a practical point of view, that life is not like that - which is a major factor in why so many "baby boomers" are unprepared for retirement.  You will be better served by an advisor who knows how to help you navigate the ups and downs of life and not make you feel like crap or a failure for not having met the text book picture of where you should be on the retirement ready scale.  Here's an example:  I started over financially in 1997 when I purchased a home for me and my two children following a divorce.  I firmly believe in the stability of home ownership, plus, because interest rates had come down to an all time low, the payment for a nice three bedroom home in a very lovely neighbourhood was less than what it would cost for rent!  Because I started over, the equity in the home funded my contribution to children's post secondary education.  I am a believer in higher education, and the stats are there to back me up.  After my son graduated I sold the house and move to the city, deciding to rent an apartment until I figured out what I want to do.  My car lease had come due just shortly after that so I decided to buy out the lease.  Because I no longer owned a home, and didn't have much left over after the sale of the house, the look on the bank loan advisor's face when I did my application said everything she was thinking!  I was 53 at the time and was already feeling crappy about my situation.  I know where my "investments" to that point were - in my children, which was most important to me. But the amount of positive self-talk it took to regain my equilibrium after I left the institution was tremendous.  Anyhow, I did get the car loan to buy out my car lease and made the decision I needed to get back in another home because for "poor people", once you have a down payment, that's the best way to lay a foundation to wealth, pun intended.  

That plan has worked out very well for me, but it has not been without a lot of sacrifice.  Sacrifice is required in order to move forward in the direction of your goals.  On sacrifice, +Bob Proctor said it best, "giving up something of a lower value to get something of a higher value".  The higher value involved in giving up time, effort and some of today's pleasures is PEACE OF MIND and securing a "livable" income in your retirement years.

I would be honoured if you joined me on the journey to retirement readiness!

BEVERLEY ALLEN, FLMI

Beverley

Investment Fund Advisor & Life and Health Insurance Advisor

Desjardins Financial Security Investments Inc.

Desjardins Financial Security Independent Network

Ontario Central Region (OCR), GTA West Branch

5070 Dixie Road

Mississauga, On L4W 1C9

#MoneyTalk #MoneyTalkwithBevAllen #TheValueOfSoundAdvice  #MoneyMoxie #RetirementReadiness