Stacey Dustin
4-6835 Hwy 62 K8N 0L9 Belleville, ON, Canada

Did you know that annuities can: Give you excellent value even in low interest rate environments Provide an expected income regardless of market changes Can help with estate transfer To learn more: ow.ly/faTo102vX8E

Term life insurance has so many benefits, and now that Canada Life has extended their introductory offer, you have until March 1, 2021 to get up to 4 free months of term insurance! If you’d like to learn more, let’s talk. ow.ly/Ud20102vX8U

Cheers to the New Year!

Merry Christmas

Attention Canada Life Mortgage Clients . . . Clients impacted by COVID-19 who deferred payments on their Canada Life mortgage will receive a one-time credit to offset the additional interest charged on their deferred payments. Impacted clients will automatically have the credit applied to their principal mortgage balance on Dec. 15, 2020, provided their loan is in good standing and has not been paid in full.... No action is required. The impacted clients will be mailed a personalized letter on Dec. 15, 2020 to inform them about the one-time credit.

What kind of holiday shopper are you? My shopping is already done for this year. Dec. 24 is the perfect time to start! Whatever your shopping style may be, these tips may help you keep your financial goals on track this season. ow.ly/cL9N102uLX2

Canadians seem to watch & read a fair amount of American programming & content. It's easy to get confused over what actually applies to us. This article addresses a common misconception. http://ow.ly/fkrl50CsHm9

Fewer than 1% of Canadians wait until they're 70 to take their CPP payments, according to research from the National Institute on Ageing at Ryerson University. #FinancialFactFriday http://ow.ly/xzde50CquNx

Starting on the path to reaching your goals can be challenging - what’s the best advice you’ve received that has helped you take the first step towards reaching your goals?

This article talks about 3 Executor time bombs that can easily be defused. If you have not already taken the time to prepare a note of guidance for your Executor reach out & let me know. I can provide you with a Personal Records Organizer free of charge. It helps you organize important information about your personal & financial affairs. http://ow.ly/wHYp50Cu1Ol

You might be wondering why Canadian banknotes are so colourful. There are a number of very practical reasons for this . . . 1. It’s easier to tell the different banknotes apart when you’re shuffling around in your wallet. 2. It’s easier for ABM machines to tell the different banknotes apart. 3. The colourful designs make the bills much more difficult to counterfeit. ... 4. The different colours make it easier for those with visual impairments to select the correct bill. These are not the only accessibility feature of Canadian banknotes. Each bill has a series of dots in the top right corner that allow people who are visually impaired to use physical bills with relative ease. #FunFactFriday

Over the past year I have had the privilege of becoming one of Quinte Gardens Community Partners. In order to show their gratitude to essential workers & their community they have created a Christmas tree light display. This video unveils their "Heroes Tree of Honour". http://ow.ly/N4JK50CBOdT

If you’re looking to make a charitable #donation this holiday season, ask me how you can use life insurance to leave a legacy for a cause important to you. #GivingBack http://ow.ly/N2vQ50BSrFv?

RDSP changes to take effect 01-JAN-2021 . . .

These tips can help you save more each month and kickstart your journey towards reaching your financial goals! ow.ly/aORk102smu8

Our money may look like it belongs to a classic board game but, it’s actually pretty high tech. One of the coolest anti-counterfeit features is so crazy you have to see it to believe it. Next time you find yourself with a Canadian banknote and a laser pointer, shine it through the translucent maple leaf icon and you’ll see the value of the bill projected. #FunFactFriday

When you own your own business, you want to take the necessary steps to protect it. I can help you find the right insurance solution for your needs. ow.ly/l0kN102smlz

Effective January 1, 2021, the Government will remove legal tender designation from certain bank notes that are no longer being producedthe $1, $2, $25, $500 and $1,000 notesthe final step to fully removing them as transactional notes in Canada.

Your income is one of your most valuable assets. Disability insurance may help you replace your income should you experience a disability. Learn more: ow.ly/hK9M102slQo

In 2016, the Federal Government announced an initiative to feature more notable Canadian women on Canada’s banknotes. The public was called on to nominate potential candidates and a committee was assembled to create a shortlist. Ultimately, Viola Desmond, a Black civil rights activist from Nova Scotia, was chosen to be featured on a vertical $10 bill. The International Bank Note Society announced the Desmond bill as the Bank Note of the Year for 2018. #FunFactFriday

Whether it’s a work commitment or an unexpected-but-necessary visit to see family, some Canadians & their families are travelling & they need coverage now more than ever before. Manulife now has a specialized travel insurance that can help provide medical coverage in the event of illness due to COVID19. http://ow.ly/97Jw50CcOa7

Insurance should be more than protecting your loved ones; it’s about living your life to the fullest. Manulife Vitality gives you insurance, plus the opportunity to earn rewards and save on how much you pay all while improving your health. https://www.youtube.com/watch?v=EZIk3ym-WXw&feature=emb_logo

Canada’s $1 coin wasn’t always called the loonie. The term was popularized by Canadians as a nickname. It has since become synonymous with the coin. So much so, that the Royal Canadian Mint trademarked the name in 2006. #FunFactFriday

We Remember #remembranceday #lestweforget

It feels so good when clients see the value in what you do. Thank you for the love Lisa.

When you review your group insurance, you may find there’s a gap between what’s covered in your policy and what you and your family would need to weather a disability, illness or death. Individual insurance can help fill the gap and complement your group insurance. https://www.honeybeebenefits.com/does-your-group-insurance/

Here are 6 financial ways you can help your child have a good start to life: ow.ly/D2MV102m2AK #Parenting

As a business leader, you can ensure your valued employees have the needed protection for themselves & their families with a group benefits plan. Did you know that these plans: - Are available to companies with as few as 1 employee?... - Cost about 3 to 6 percent of annual payroll? - Are fully tax-deductible? - Offer diverse coverage for your employees and their dependants? - Are able to pay an employee who is unable to work due to injury or illness? Find out how we can help you grow your business by attracting and retaining the best.

Time is running out. There is less than one month left for you to take advantage of Canada Life's special introductory offer of four free months premium on new term 20, term 30 and term-to-age 65 products. Don't delay, act today! * Offer available until Dec 1, 2020

Announcement from CRA today . . .

There are lots of ways to donate to your favourite charities, but did you know life insurance can be one of the most cost-effective ways? http://ow.ly/cluP50BSrtI?

Daylight saving time ends at 2AM on Sunday, November 1st.

Wishing you a night full of frights & a bag full of delights.

Take charge of your life. Take charge of your finances. Step 1 is solid financial advice. Step 2 is a plan that will help you:... - Secure a more comfortable future - Be prepared for the unexpected - Adjust for different life stages - Avoid emotional financial decisions - Maintain your long-term strategy Don’t leave your financial future to chance. Put yourself in the driver’s seat & reach out for help.

Small businesses have faced more adversity than ever this year. While some have successfully shifted their models to continue serving clients, many are facing significant challenges & are struggling to keep their doors open. Canada Life has created the Business Boost program to provide small businesses with the financial support they need. If you are a small business who could benefit from this program be sure to apply before Nov 12th. #CLbusinessboost

Do you have a Financial Security Advisor? This video will show you the value of working with one. http://ow.ly/6QYT50BRnEj

5 Tips for Grandparents . . . http://ow.ly/4QfP50ASTkS

I’m proud to be working with a company that recognizes the value of personalized advice and financial security planning. Reach out and let’s start planning for life as you know it. https://bit.ly/3hjVIPw #ForLifeAsYouKnowIt #MyCanadaLife

An update on what's new around here . . . Some normal has returned to my life. I said goodbye to my home office in Sep when the boys returned to school. That was one long March Break! Although, it is awfully quiet around here as some are still working from home. Stop in & visit if you are out & about. Canada Life is offering 4 free months of coverage on qualifying new term 20, term 30 & term-to-age 65 products until Dec 1st. In my 20+ years in the industry I have never see...n an insurer do something like this. It is a very big deal & can amount to some huge savings. Do you have mortgage insurance at the bank? Do you have a young family? Would your family struggle without your income? If you answered yes to these questions, now is a great time to consider term insurance. To meet evolving mutual fund industry & client expectations, Quadrus Investment Services will stop sales of new mutual funds with deferred sales charge & low sales charge (DSC/LSC) fee structures starting Jan. 1, 2021. This means there will be no new DSC/LSC purchases into new or existing client-held accounts or nominee plans. Although the Canadian Securities Administrators’ (CSA) ban of DSC will not take effect until Jun 2022, Quadrus is implementing these changes early. On Jan. 1, we will start to automatically move any subsequent investments (including pre-authorized contributions and grants) into funds with 0% front-end load (FEL 0) fee structures. There is nothing you need to do to make these changes. We are changing the way we do business. As a result of COVID-19, insurers have moved to a much more virtual & digital way of connecting with clients & conducting business. What this means is you do not have to hold off on service requests, transactions, or new business because you are not comfortable meeting face to face. So many of our processes have gone digital & thankfully it is all very user friendly. I would love to hear what's new with you & your business.

Talking about money when you're in a relationship is a must. Here are some tips for resolving money issues: ow.ly/tDnJ102lYyp

Physical distancing may have had a positive impact on your finances by allowing you to save more. I can help you create a plan to keep your finances healthy. Reach out! ow.ly/90N0102lYyc

On this day of gratitude, I want to thank you for all the love, kindness & support you have shown me throughout the year. Happy Thanksgiving. #gratefulthankfulblessed

Planning your RRSP withdrawals helps avoid unpleasant surprises for your family when you die. Let's talk about your plan. ow.ly/9Smz102lYy2

Manulife Bank offers a truly flexible bank account that does the work of both a high-interest savings account and chequing account in one the Advantage Account.

This early retirement withdrawal calculator can help you see your future savings more clearly. Other questions? Contact me! ow.ly/lsVB102lYxW

How might lower interest rates affect your finances? Let’s take a look together. Reach out! ow.ly/a6sF102lYxe

Giving your family an early inheritance may have many benefits. Learn more: http://ow.ly/KtvV50AE4j9

You may get up to four free months of premiums on select term life insurance products. Term life insurance offers simple and flexible coverage for all stages of... life from buying a home to having a baby, or starting a new business. Now, it is more affordable with our special introductory offer. Learn more: http://ow.ly/7zrq50BsR8L

Estate planning can be tough to talk about, but having a solid plan is important it protects what you have spent a lifetime building, while clearly communicating your intentions to others. http://ow.ly/eWq350Abp0X

Do you know the difference between mutual funds and segregated funds? This article explains the differences to help you understand what’s best for your financial situation: ow.ly/gvgX102k9Kr

An income annuity gives you income for life, securing a part of your retirement nest egg to cover part of your basic expenses, so you don’t need to wait for interest rates to increase. You might be surprised to find out the income of an annuity is still valuable in a low interest rate environment. Let’s take a look at how I can help you have a predictable income for retirement.... Contact me if you’d like to learn more about how an income annuity can fit into your financial security plan. http://ow.ly/reFM50B1Kkq

Bottom line . . . focus on the fundamentals.

8 things you need to know if you are a new parent . . . http://ow.ly/zOmS50AQpRo

Our flexible and innovative benefits plans can be tailored to help fit the specific needs of your organization large or small. Learn more: ow.ly/vMMP102k9Kf

6 strategies to help your children financially . . . http://ow.ly/miLq50AVKMC

If you’ve maxed out your TFSA and RRSP contributions, I can help you find other ways to invest your money for your future: ow.ly/aLa3102k9K7

Are you aware of the advantages of investing with an insurance company?

2020 has been an especially challenging year on many levels but it can pay to persevere in the face of uncertainty. The fall 2020 edition of Solutions looks at some of the ways you can regain your financial footing during volatile times. This edition’s features include: - The value of advice for planning and executing a financial strategy... - Getting acquainted with segregated funds - The benefits of diverse, flexible and cost-effective ETFs - How to recognize scams and protect your financial assets - How living benefits insurance can help take the worry out of what-if - Small business safeguards - A personal and financial organizer worksheet I hope you find some motivation and inspiration in this edition of Solutions. http://ow.ly/Sx9q50Box3c

Setting up a Power of Attorney? Make sure you know what you’re setting up, what they’re responsibilities will be and who may be best for the role. Learn all about this and more.

Let's do the happy dance!

As the song says, "How Low Can We Go" . . . Canada Life has just announced other rate decrease effective today.

Owning a business comes with all kinds of benefits: independence, flexibility, & personal fulfillment to name a few. Unfortunately one benefit you might be missing is a health insurance plan. I can help you find a plan to fill the gap between your provincial health care coverage & what you pay. You can choose from a variety of plans to cover things like prescription drugs, dental care, vision care & more. Contact me today to find out how I can help protect you & your family.

The life insurance coverage you need just got even more affordable. You may get up to four free months of premium with qualifying term insurance (20-year, 30-year and to-age-65) until Dec. 1. For accessible version: https://share.vidyard.com/watch/RcMLytCgAn41hpVsPLqz9M

Happy Labour Day!