Heidi Weaver - Time & Money Planners

Description

I am an independent Financial Advisor and Insurance Broker with Time & Money Planners in the west end of Ottawa. I have two of Canada's most sought after financial designations including:
CFP - Certified Financial Planner: An internationally recognized designation for financial planning. CFP professionals must meet FPSC's standards in education, experience, examination and ethics. CLU - Chartered Life Underwriter: A designation for advanced wealth management and estate planning. I offer no fee for service financial planning, cash flow/net worth statements, insurance quotes and reviews, estate planning and tax planning. I deal with all the top companies and offer products including: Segregated funds, GICs, Registered education savings plans (RESP), Registered retirement income funds (RRIF), Registered retirement savings plans (RRSP), Guaranteed minimum withdrawal benefits plans (GMWB), Lifetime Annuities, Tax free savings accounts (TFSA), etc. Many people have questions when it comes to insurance: -Do I have enough? -I have insurance but I'm not sure what it covers? -What are the differences between Whole Life, Term, and Universal Life? -Which type is best for me? -Am I paying too much for my insurance? Can I apply for a better rate? - Is creditor mortgage insurance through the bank reliable at claim time? -I am covered under my work plan for travel, but only for a certain amount of days... can I get a top up? -My employer doesn't offer group benefits, can I get a plan on my own? -I have my policy booklet or statement, but I don't know what it means, can you explain my benefits to me? I can provide answers to any of the questions above, or any other financial or insurance matter. I do not charge a fee for service for my advice. Check out my mention in the Globe & Mail : http://www.theglobeandmail.com/globe-investor/investment-ideas/retirement-reality-check-the-investing-never-stops/article5720556/ You can reach me by phone or email any time with questions or if you would like to request a meeting. Heidi Weaver CFP, CLU