RK Life Strategies Inc.
10 Dunlop Drive Unit D L2R 1A2 Saint Catharines, ON, Canada

https://www.instagram.com/p/CaNUcDyvjW6/ GoFundMe or Personally Owned Life Insurance? Answer should be obvious. But so many times people use excuses why they never get around protecting those they love. Whim it is too late, it is too late! Insurance is not an expense! When your family needs it most, it is a wise investment!

We are here to help everyone see if they are eligible for life insurance. Contact us if you are looking for help. 905-682-7722

Do you have questions: which one should I invest in? what can I invest in? how much? how can I? with who? Contact me for a conversation where we discuss what you WANT to accomplish. Then we look for the solutions to help you get what you WANT!

Call us for a review of your savings plan and habits!

The way you express your love each day strengthens your relationships and makes those close to you feel valued. Love can be expressed in many ways: a knowing glance, a kind deed, shared memories, a thoughtful gift, words of encouragement and with life insurance. #InsureYourLove

If you are interested in a complete picture of your future retirement income, you need to work with an advisor that looks at all of your sources of income. Contact us if you want a complete review!

Please take a couple of minutes to watch our latest You Tube Video to learn what prudent investors do! Subscribe to our channel as well for more great ideas https://youtu.be/KLpYqdiJtRU

Have you insured your health and protected today & tomorrow?

We take great pride in specializing helping couples make a difficult topic a natural conversation. We take your problem and provide you a solution that is affordable. Contact me privately if you want financial security for your family!

Contact us for your Financial Checkup. Whether you are a client, friend or a future friend, we want to help you and your family.

Life insurance can help your loved ones cover virtually any expense they currently (or will someday) face if your financial contributions were no longer in the picture.

Thank you to all of our Wonderful Clients that voted for us!! We have been recognized as the Gold Winner in Financial Planning Services

Take a moment to remember and reflect this morning (everyday is even a better daily habit). On behalf of everyone at RK Life, thank you McKenna for sharing your poem with us.

Review of the Pandemic benefits

Jessica, Andrea and Richard wishing you a very Happy Thanksgiving weekend!!

Election is Tuesday. Historical review of the US and Canadian Stock Markets

What Legacy do you want to leave for your Grandchildren or Children to remember you by? Let me show you the gift that keeps on giving long after you are longer here physically. There is no reason you need to be forgotten by the next generation(s)!! #GoodWillFunding #legacyplanning #cashvaluelifeinsurance

FinancialLiteracy 101

If things are getting a little tight, let me introduce you to one of my lending partners to see if there is options for you. Contact me privately if you want to learn more

Most recent summary of the Canadian Emergency Wage Subsidy (CEWS)

GREAT NEWS FROM THE TAX DEPARTMENT! This new one page simplified tax return will make our lives so much easier! For almost 24 years, weve helped our clients preserve family money by sending less to the tax department and keeping more for their loved ones and the charities they care about.

This question has been debated the past 24 years that I have been a Financial Planner.

Think ahead! How much of the CERB do you have to give back?

Keep some of that CERB money for CRA come next April!

A recent survey completed by Policy Me found evidence to back up my my previous statements that homeowners should always investigate personally owned life insurance to cover their mortgage or other debts, than using the the insurance lenders/mortgage brokers push. Too many people have mortgage life insurance instead of term life insurance. For the vast majority of Canadians, the recommended life insurance product is term life insurance. However, many people are still elect...ing to purchase mortgage life insurance to protect their loved ones from mortgage payments. This is because mortgage life insurance is pushed on homeowners by mortgage brokers, who are incentivized to sell the product. According to the current analysis, customers who replaced their mortgage life insurance with term life insurance reduced their premiums by an average of 46 per cent, with monthly payments falling from $67 to $36. If you wish to save money, we will shop the marketplace for the best coverage for your own personal situation. Contact me privately or call my office at 905-682-7722.

Many businesses are still walking a tightrope

Pay cheque Protection for millennials and anyone else that is concerned about protecting the Goose and not just the golden eggs Please watch this short 2 minute video and then contact me if you would like to learn more

Stress manifests itself in many ways. We all have our own coping mechanisms. However, having a Financial Planner who will listen, not judge, and provide you with solutions is exactly what the doctor should order for you during these times financial stress. Private message me if you need a chat. Always available to listen

Basically, you want enough coverage to meet your living expensesmeaning mortgage payments, taxes, hydro, food and transportation costs. Protect your most valuable asset, your ability to earn an income!

On a regular basis we see people who want to buy life insurance and we are not sure if they will be approved at the standard price or if they will even be accepted. Does not matter how big your wallet or need is, if your health cannot sign the contract

The basic purpose of life insurance is to create cash nothing more or nothing less. Everything else confuses and complicates. Ben Feldman

If you want to to see what coverage may cost you, click on my link https://getstarted.cpp.ca/home/44256 or call my office at 905-682-7722

Patience and a long term vision

Needing life insurance is like needing a parachute. If it isnt there the first time, chances are you wont be needing it again.

Updated Canada Emergency Response Benefit Summary (CERB)

Summary updated of the Canada Emergency Business Account (CEBA)

These are points in your life that might trigger the need for life insurance. Chances are, youre probably in one of these categories!

You do not buy insurance because you want it, you buy it because YOU LOVE someone!!

For a no obligation quote, we will survey the entire insurance company community for the best policy for you and your family. Take advantage of the current simple insurance underwriting market to protect your most important asset. Remember, keep the bankers out of your pockets!! #lifeinsurance #financialplanning #termlifeinsurance #mortgageinsurance

Over the past two months, as workplaces closed and millions of Canadians were laid off or lost their jobs entirely, the precarious economic situation of most Canadian families has come into vivid and troubling focus: More than half of Canadians are living paycheque to paycheque. One-third of households are asset poor. Ten million workers have no workplace retirement plans.... The median retirement savings of near-retirement households without pensions is only $3,000. Nearly four in 10 Canadians have no retirement savings at all. Household debt is hovering at an all-time high. See more

Why do we need INCOME PROTECTION? We know for a fact plans and dreams are built on the POTENTIAL INCOME which we will earn over our lifetime. Losing this ABILITY TO EARN and BUILD INCOME could be a financial headache because if you take a moment to think about it, the money you earn pays for almost everything you have from personal loans, education, mortage and so on.. Now there are two potential reasons why a person can lose income: 1. Loss of Employment/Economic Downturn 2.... Loss of Income due to Bad Health If a person loses his/her job on average they can get a job within 6-9 months, even if not at the same level, maybe with a 20-30% pay cut, hence it has been a recommendation to always hold liquidity to cover expenses for 6 months as a buffer. But, if a person falls sick or gets disabled it would immediately put a STOP to income. Now the QUESTION usually asked is... well all my expenses for treatment would be covered by my Medical Insurance... Reality: Medical Insurance (individually purchased or by the company or government) would usually pay bills related to the treatment; but what about the daily expenses? The family would still have to cover mortgage payments, education fees of the kids, might need to change lifestyle and or the house, other expenses like car loans. Hence, Income Protection... Ensuring the family continues to get the INCOME which the family would require in the event a person falls ill to be able to meet the financial commitments and to continue living the same lifestyle. Please share with anyone you believe may benefit from this information.

For all the young families or parents to be, take a minute to read this. As a parent we always want whats best for our children, we want what is best for the family. The only thing that can provide you a peace of mind is financial planning and insurance. Understand that you need to have that back up plan so that your young family and yourself will be protected from unexpected events. Our responsibility is to secure a greater future for our children, spouse, parents and ev...en ourselves, with insurance you can definitely achieve that. Transfer this risk of Income Protection to an insurance company as your family is too young to carry this risk. #lifeinsurance #financialplanning See more

Financial Wellness should be a Top Priority for everyone! We are all at different stages of our financial journey. The current Pandemic has shown we can all do better. Lets have a virtual coffee together now to discuss your own personalized plan.

At RK Life we make it easy for you to apply for insurance. Call us at 905-682-7722

Educate yourself, it could save a life!

Tough times ahead! Read the fine print so you do not get shocked by the news if you have sell your home

Great message Jim!!

Friend of mine shared this Infographic. His comments: Ran across the following interesting infographic on working from home. Evolution in the business world is inevitable and and although Covid has put working at home a requirement in many cases, it was a trend that was growing (likely a byproduct of the technology we have now to do it). Theres some great suggestions to increase your productivity from your home office.

If you wish to sit down and start putting on paper your thoughts for your personalized Estate Plan, contact Richard and he will help you get started right now! When you are completed, you will have the piece of mind that you have taken care of your family. Do not procrastinate! Richard and his Team can only work with so many couples/families/individuals at a time. We do not plan to fail, we fail to plan. Start your plan NOW!

For some people, financial planning is mainly concerned with how best to go about building a nest egg, and how to make it last through retirement. But for many, there is a desire to ensure their estate delivers benefits beyond their own retirement, and produces a lasting legacy even after they have passed.

Update to the CEBA loan program.

Have had some questions regarding the government programs come up. Here is summaries of the 3 main programs from the Canadian Government. Links are there to the government websites for your reference.