New to Canada
Start with the basics: how TFSA, RRSP and FHSA rooms work for newcomers, and how to think about insurance policies you brought from Hong Kong.
Start with registered accounts →
Our Services
Services, connected into one plan
Protection, retirement, registered accounts, tax efficiency and estate arrangements affect one another, so we plan them together rather than piece by piece. Every recommendation starts with your situation — the information below is general education, not personal advice.
Professionals & Families
Check whether workplace group coverage is enough, fill protection gaps, and save for your children's education with an RESP.
Start with family protection →Business Owners & Pre-Retirees
Plan the order of retirement withdrawals, keep your estate liquid, and consider insurance concepts designed for business owners.
Start with retirement planning →
01 · Protection
Life Insurance
Life insurance pays a tax-free lump sum to your beneficiaries if you pass away. It is a core part of risk management: protecting the people who rely on your income, covering a mortgage, and keeping family plans on track.
Ask About Life InsuranceWho typically considers it
- Parents with children or dependants
- Homeowners with a mortgage
- Anyone whose family depends mainly on one income
How we approach it
We start with a needs analysis — income, debts, existing coverage including workplace group plans — then compare suitable term and permanent options from the market and explain the differences in plain language.
02 · Protection
Critical Illness & Health Protection
Critical illness insurance pays a lump sum if you are diagnosed with a covered serious illness. It is designed to create breathing room — time away from work, treatment-related costs, or simply keeping household bills paid — while you focus on recovery.
Ask About Critical IllnessWho typically considers it
- Self-employed professionals without group benefits
- Main income earners in the family
- Anyone concerned about income interruption during recovery
How we approach it
We review any existing workplace coverage first, estimate the gap in months of expenses, then explain how covered conditions and policy terms differ between products before you decide.
03 · Retirement
Retirement Planning
Retirement planning is about turning savings into a sustainable income: when to draw from RRSP or RRIF, non-registered accounts and TFSA, and how benefits such as CPP and OAS fit into the picture — in an order that makes sense for your tax situation.
Ask About RetirementWho typically considers it
- Anyone within 10–15 years of retirement
- RRSP holders approaching the age-71 RRIF conversion
- Couples coordinating two sets of accounts and benefits
How we approach it
We map your accounts and expected income sources, discuss the withdrawal sequence in plain language, and coordinate with your accountant where tax advice is needed.
04 · Registered Accounts
Registered Accounts: TFSA, RRSP, FHSA & RESP
Canada's registered accounts each have their own rules for contribution room, withdrawals and tax treatment. Understanding the basics — and avoiding common mistakes such as over-contributions — helps you use the right account at the right time.
Ask About Registered AccountsWho typically considers it
- Newcomers whose TFSA and RRSP room is just beginning to accumulate
- First-time home buyers considering an FHSA
- Parents saving for children's education
How we approach it
We explain how room is calculated and recorded with the CRA, sequence your accounts around your goals (home, education, retirement), and set review reminders so contribution room is not left unused by accident.
05 · Investments
Segregated Fund Investments
Segregated funds are investment funds offered through insurance contracts. Features and guarantees vary by contract and may include maturity or death benefit guarantees and the ability to name beneficiaries. We explain how they work — including fees and risks — before you decide whether they fit your plan.
Ask About Segregated FundsWho typically considers it
- Investors who value naming beneficiaries on investments
- Business owners holding investments outside registered accounts
- Families thinking about estate-transfer efficiency
How we approach it
We discuss your goals, time horizon and comfort with market fluctuations, then match a portfolio to your risk level and review it with you regularly. Investments involve risk, and returns are not guaranteed.
06 · Estate
Estate Planning
Estate planning is about making wealth transfer smoother for the people you love: up-to-date beneficiaries, enough liquidity to settle final expenses and taxes, and documents that reflect your wishes. Planning early gives you time to think it through.
Ask About Estate PlanningWho typically considers it
- Parents who have not reviewed beneficiaries since having children
- Property owners and business owners
- Families with assets in both Canada and Hong Kong
How we approach it
We review beneficiary designations across your policies and accounts, discuss liquidity needs, and work alongside your lawyer and accountant for wills, trusts and tax matters.
FAQ
Frequently asked questions
What happens at our first meeting?
The first meeting is a conversation, not a sales pitch. We get to know your family, goals and existing arrangements, answer your questions, and outline possible next steps. You decide if and how you would like to proceed.
Is there a fee for an initial conversation?
You are welcome to start by sending us a message through the Question Box on the Contact page. We will reply and explain the next steps, including any arrangements, before anything is booked.
I moved from Hong Kong. What about my existing Hong Kong policies?
In general, moving does not automatically cancel a Hong Kong policy, but residency can affect claims, premium payments, tax treatment and whether the coverage still fits your needs in Canada. The right step is to review each policy on its own terms. We can walk through the general considerations with you, and for tax questions we will suggest speaking with a qualified accountant.
How does TFSA contribution room work?
For general education: TFSA room accumulates from the year you turn 18 and are a Canadian tax resident. If you moved to Canada recently, your room generally starts in your first year of Canadian tax residency — it does not stretch back to 2009. Withdrawals are added back to your room the following January 1, and over-contributing can lead to a tax of 1% per month on the excess. Your personal room is shown in your CRA account, though it may not be up to the minute.
Can we meet in Cantonese?
Yes. We serve clients in Cantonese, English and Mandarin, in person in Richmond or by video call across Greater Vancouver.
Not sure which service you need?
That is normal. Tell us your question through the Question Box and we will point you in the right direction.
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