Vic Pipke's Financial Warriors

Without a destination, it’s impossible to set a course. We help discover what your specific goals are and then help you develop a plan to get you there.

All types of investments and investment vehicles including products most banks cannot offer! RRSP, TFSA, Non-Registered, Insured Tax Strategies, RESP, RDSP, learning the differences between the tax implications of all these vehicles is key to financial planning. In the end, it doesn’t matter how much you have, it matters how much you get to keep!

So whether it’s estate planning, retirement planning, wealth transfer, children’s education, retirement, buying a new house….we teach you how to achieve these objectives with the most efficient tax strategies.

The statistics show that 40% of Canadians do not have insurance and of the ones who do, over 50% are not properly insured.

We assess your need to ensure that if you have insurance, you are not over or under insured and can provide proper and cost effective coverage. We teach the difference between permanent and term insurance as one size does not fit all.

Remember, insurance is not for you. It’s for those left behind.

Wouldn’t that be nice if we got our car insurance premiums back if we never got in an accident?

Well did you know that Canada is the only country in the world that has an option to return your critical illness premiums if you do not use your policy?

Statistics sadly show that it is more likely that a person will suffer from a major illness at some point in their life, than live a completely healthy life. On the bright side, because of medical advances, more people are surviving and beating illnesses such as cancer, heart attack and stroke!

What financial consequences does an illness have on a family if the main breadwinner cannot work during their recovery? Will you have to use all your saving or go into extensive debt to get by? Critical Illness is a great way to ensure you and your family are not decimated financially if you get sick. It is a tax free, lump sum benefit that you can use at your discretion. And if you never use it, you can get all your money back!

Many people have some form of disability insurance at their job. In some instances however, that coverage ends when you leave work, leaving you vulnerable if anything happens outside of work hours. Your coverage also does not follow you if you change jobs or occupations. Personal disability insurance can ensure you receive a wage while recovering from an injury sustain at any time.

There is a massive difference between the mortgage insurance offered by your lender and personal insurance to cover your mortgage. We teach the differences to ensure you are covered properly and not just the bank. For further information on the subject, please watch this video “In Denial”.

https://m.youtube.com/watch?v=qe61HVGIwUo

Whatever you’re goals are, we provide complimentary planning services to ensure you reach your destination without having to pay another bill. We ensure your plan has a solid foundation to withstand almost any challenges life can throw at you.

Whether it is helping your small, medium or large business obtain employee benefits at a reasonable value as an added value to retain employees, or helping business with a corporate tax strategy to convert profits to tax advantaged or even tax free benefits, we are here to help. We work closely with accountants and bookkeepers to use financial strategies to compliment what you are already doing. These strategies are not commonly known by most accountants as heavy regulations prevent them from being able to talk about them.

We have access to some of the biggest and best referral partnerships in the financial world. So whether it is saving money on your home and auto insurance, getting the best rates on your mortgage or just about anything else that affects you financially, give us a call to see if we can help.

These strategies are not widely known but many financial industry professionals have them as they know how they work. I call them the Swiss Army knife of investing. For the right people, they can be a massive addition to their investment portfolio.

Whether it’s RESP’s or other alternatives that provide more flexibility, knowing you’re options is imperative to making an informed decision!

When is comes time to retire or pass your estate on to the next generation, it doesn’t matter how much you have, it matters how much you get to keep. Let us help you make sure you’re keeping as much of your estate as possible so your hard earned money is going where you want it to.