Young family

You get home from work, your wife is tired, and the baby just spilled spaghetti all over the carpet. Your older child got suspended from school for cutting his friend’s hair. After dinner, you can barely think straight. Who has the time and energy to make critical decisions about their financial life?

Raising the next generation and working to support them is already a tall order. How can you make sure you are on the right track financially when you already have your hands full?

Right now, you are at one of the most difficult stages of your life. Your peak earning years are usually a decade or more away, and diapers aren’t cheap – neither is that house and white picket fence. Having a baby can cost $9,000 per year. Navigating your family life requires careful budgeting and risk management. You have to save, pay the mortgage, buy life insurance, invest for retirement, and hopefully have enough left over to take your family to a sporting event or another fun activity.

At this stage of life, it can be easy to justify avoiding life insurance and investing for the future. After all, you are young; retirement is for old people. However, life insurance is cheaper the younger you are, and the earlier you start investing, the more compounding returns can work in your favor.

Time is truly golden, and the golden years of retirement can only be reached by investing in the time you have now.

Financial Plan

Many people will offer you advice on which investments to buy. But there's more to your financial life than your RRSP. Estate taxes, income taxes and education funds for your children are just some of the other complex aspects of your total...

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Life Insurance

Term life insurance is the most basic of life insurance products in that it has no savings component, and thus no cash value. By the name, it is purchased for a 'term.' One of the most common uses of Term Life insurance is as...

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Tax Free Savings Account

The TFSA is a registered savings account that allows taxpayers to earn investment income tax-free inside the account. Contributions to the account are not deductible for tax purposes, and withdrawals of contributions and earnings from the account are not taxable.

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Educational Savings

RESPs are registered education savings plans that grow tax-free until the child is ready for university, college or a vocational institute. The student usually pays little or no tax on those funds when they are withdrawn at the student's lower...

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Will

A will is a written document, properly signed, which: (1) specifies who is to administer the estate (the executor), (2) specifies what is to happen with the assets and liabilities of the estate, (3) specifies certain other wishes such as...

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A WORD FROM OUR CLIENTS

  • There are no words I can express how grateful I am having Chan working for me. I trust him explicitly as his knowledge and caring personality has proven itself again and again over the years. I never hesitate for a moment to refer my family and friends. None have been anything but pleased.

  • It has been a few years I know Chan Yin as my Financial Advisor. He is very professional and hard to deliver the best for your investments.

  • What can I say about Better Financial? How about they are better than just a financial Advisor in my experience.

    I've been a long standing client of Chan Yin and his team for over 15 years and it's not only what they have done for me financially, it's the personal approach that's kept me with such an incredible and caring company. They have met and exceeded all my goals and have always been there for me. I can't say enough about how professional and kind hearted the team at Better Financial are.

    I have recommended them to all my friends and family and no one has ever been disappointed. Thank you again for all you have done and do for me.

  • Our friends who had previously worked with Chan referred us for our first home purchase. We weren't experienced in this area and didn’t want to make a mistake. Chan was so helpful in guiding us through the process of getting our first mortgage. He also got us a better rate than what we found on our own. His warm and genuine personality inspired trust. This was important for us; we had a good experience and were pleased with the result.

  • We have been working with Chan for a number of years and have found him to provide clear and concise advice in a highly professional manner. He has spent time understanding us, where we are coming from and our goals; has provided clarity on our existing financial planning and has provided us with a clear strategy as to how we achieve the goals that we have.

  • We have been referring clients to Chan for a number of years now. He has always provided them with sound advice and they appreciate his friendly yet professional manner. Over the years he has earned my trust and I now have every confidence that any client I refer to him will receive the best possible service.

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