Would you build a house without a blueprint? Without a team of people who know how to build?
Your financial future is no different. We want to help you build your financial blueprint – to protect your family and your assets today and build a financial plan for your family’s dreams in the future.
Because we are not duty-bound to any single provider, we are able to mix & match services based on your needs. (click to expand)
Every Life Insurance plan is unique – whether it’s term insurance or a permanent solution – the common theme is peace of mind. Rest well knowing that what matters most to you is taken care of.
If injury or illness prevent you from working – how will you keep a roof over your head or feed your family? Disability Insurance will provide income when you are unable to work allowing you to focus on getting better.
The cost of Real Estate is no joke! You’ve worked hard to get set up in a home – make sure the mortgage is paid if something happens to you. Your mortgage protection should not be linked to the mortgage itself, owning it privately provides you with better rates, more flexibility and most important you can name your loved ones as beneficiary instead of the lender.
Help your kids plant roots with permanent insurance. Beyond the insurance itself these policies have a number of features to help set your kids up for a brighter future. Local business man Jim Pattison shares a story of how the living benefits in his life insurance policy helped him acquire the loan to purchase his very first General Motors Dealership.
A powerful insurance strategy to building wealth without risk. A financial asset that comes with guarantees, vested secure dividends, has no exposure to volatile markets and offers tax efficient growth.
If your business partner passed away tomorrow – would their husband or wife come to work in their place? Most of the time when a business partner passes away the spouse/family would prefer to sell their interest in the business to the surviving partner and carry on. Corporate Life Insurance solutions will provide funding to execute the buy/sell element of the partnership agreement.
Take care of your people –Protect your employees, protect your business, maintain productivity, attract and retain key talent and provide tax efficient compensation. We personally build and review your benefits regularly to make sure you have the best coverage that suits your company’s unique needs.
Take care of your people – Protect your employees, protect your business, maintain productivity, attract and retain key talent and provide tax efficient compensation. We personally build and review your benefits regularly to make sure you have the best coverage that suits your company’s unique needs.
A plan for business owners and professionals who accumulate significant retained earnings in their corporations and would like to access these funds without triggering a huge tax bill. This plan allows business owners to jointly own critical illness coverage with their company where they share the costs and also the tax and financial benefits.
The corporate preferred retirement solution can help decrease your corporate taxes and increase your cash flow in retirement. Simply redirect some of your surplus business income into a permanent life insurance policy rather than into taxable investments.
Attract and retain top quality employees by adding a group RRSP to your employee compensation package. Consider implementing a group RRSP plan and help your employees save for their retirement.
Permanent life insurance is a great way to help ensure your loved ones don’t have to sell the family home, cottage or other valuable assets to pay a potentially hefty tax bill due to capital gains. Insurance planning plays an important role in intergenerational wealth transfer.
This concept allows Businesses or Individuals to build wealth and reduce the overall cost of insurance. Simply put, the insurance premiums are paid and immediately borrowed back to allow you to keep the money working for you while taking advantage of the benefits of Life Insurance.
We have the ability to choose from different providers in order to create the best plan for your situation.
OBEO offers an array of personal, business, and professional services to protect you and your legacy.
We have families and run businesses ourselves. So, we are already in your shoes, so-to-speak.