Business Owners
Strategies to help increase your personal cash flow, keep key employees and protect your business.
Strategies for Families
Customized solutions based on you, plans for you to accumulate and protect your wealth.
Strategies to help increase your personal cash flow, keep key employees and protect your business.
Customized solutions based on you, plans for you to accumulate and protect your wealth.
“Final Pivot” – COVID-19 Emergency Benefits expire October 23rd, replaced by targeted supports
/in blog, Coronavirus /by Alto, Chang and Associates Financial ManagementOn Thursday, October 22nd, Deputy Prime Minister and Finance Minister Chrystia Freeland announced the “final pivot in delivering the support needed to deliver a robust recovery.” This “Final Pivot” means several existing pandemic support programs for individuals and businesses will expire on October 23rd, 2021:
– Canada Recovery Benefit (CRB)
– Canada Emergency Rent Subsidy (CERS)
– Canada Emergency Wage Subsidy (CEWS)
Why Should I Review My Life Insurance?
/in blog, life insurance /by Alto, Chang and Associates Financial ManagementIt’s important to review your life insurance regularly to ensure your policy is up-to-date and see if you require any coverage changes. Here are some reasons you may need to update your life insurance:
• You’ve gotten married or divorced or had a baby.
• You’ve changed jobs.
• You’ve taken on some debt.
• You’re supporting additional family members.
• You’ve bought a new home.
• A loved one has a change in their health.
Life Insurance after 60- is it necessary?
/in blog, Insurance, life insurance /by Alto, Chang and Associates Financial ManagementYou may have had life insurance for as long as you can remember. You knew it was important to make sure that your family would be taken care of and be able to pay their bills if anything happened to you.
But now that you’re over 60, your children are grown, and your mortgage is paid off, you may feel you don’t need life insurance anymore. However, there are some circumstances under which it may still make sense for you to have life insurance:
• You still have substantial debt.
• You have dependent children or grandchildren.
• You want to be able to leave a financial legacy.