Wealth Blueprint
255 - 610 Sixth Street V3L 3C2 New Westminster, BC, Canada

Darryl & Tia Ho's October 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-oct-2020-newsletter-549

Darryl & Tia Ho's September 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-sept-2020-newsletter-54

Darryl & Tia Ho's August 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-august-2020-newsletter-

Announced earlier this week, Equitable Life’s Dividend Scale remains at 6.2% for their dividend paying participating whole life insurance. That is excellent news! Also announced, the policy loan interest rate will decrease from 6.7% to 6.2%, effective July 1, 2020. Amazing ! These policies are solid There is no other asset that:... - allows you to take equity out and still have it continue to grow at full market value - can only go up and never down and is protected from market crashes - enhances your estate value with a guaranteed minimum lump sum payout with no tax and no probate Want to learn more about other benefits of how these policies can compliment your existing portfolio? Let’s talk!

********Exciting Announcement!******** Darryl has qualified to be a Member of the MDRT!!! The Million Dollar Round Table (MDRT) is a global recognition of the worlds leading life insurance and financial services professionals. Being a member of the MDRT means Darryl is one of the top 3% of financial advisors in the world!!!... Please help us Congratulate Darryl on this achievement!

Darryl & Tia Ho's July 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-july-2020-newsletter-54

Darryl & Tia Ho's June 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-june-2020-newsletter-78

Announced earlier this week, Equitable Lifes Dividend Scale remains at 6.2% for their dividend paying participating whole life insurance. That is excellent news! Also announced, the policy loan interest rate will decrease from 6.7% to 6.2%, effective July 1, 2020. Amazing ! These policies are solid There is no other asset that:... - allows you to take equity out and still have it continue to grow at full market value - can only go up and never down and is protected from market crashes - enhances your estate value with a guaranteed minimum lump sum payout with no tax and no probate Want to learn more about other benefits of how these policies can compliment your existing portfolio? Lets talk!

Darryl & Tia Ho's May 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-may-2020-newsletter-779

Answer: Unfortunately if you are ill with COVID-19, a critical illness (CI) policy will not pay out because it is not one of the listed critical illnesses. However, there are up to 25 other critical illnesses that you are covered for. These include heart attack, stroke, coronary bypass surgery, cancer, Parkinsons, multiple sclerosis, etc. With advances in modern medicine, it is smarter planning to have critical illness protection because if you get a critical illness, you ...will be more likely to survive it...but you may encounter financial hardships and stress. A critical illness cheque will help you and your family get through a challenging time. Although COVID-19 is not covered, if you pass away from COVID-19, there is a way to get back all premiums paid into the Critical Illness policy! If you have a rider called, Return of premium upon death, the insurance company will return all the money you have paid into your policy to your beneficiary. There is another rider where you can get back all the premiums paid. In this rider, you surrender the policy at a certain age (typically at 65 years old) because at retirement, you no longer need critical illnesses protection to help replace income if you get an illness and cannot work. Then you can add this lump sum of returned money to your retirement fund. If you dont have critical illness protection yet or already have it but not sure if you have those riders, you can contact us at [email protected] and we can give you a second opinion.

Answer: As of TODAY, if your income was affected by the COVID-19 pandemic, you can apply for the Canada Emergency Response Benefit (CERB). If you qualify, you will get $500/week for up to 16 weeks. Thats $2,000/month for up to 4 months. Go to this link to see if you should be applying for it. https://www.canada.ca//benefi/apply-for-cerb-with-cra.html Other benefits you can apply for include:... > BC Hydro is offering 3 months credit (they call it a grant) to help out. Go to this link to find out more and when the application link will go live. https://app.bchydro.com//covid-19-relief/residential.html > Your local bank is offering an option to defer your mortgage payments for up to 6 months. Some conditions apply so please contact your bank for more details. Many banks like BMO, Scotiabank, TD and National Bank accepts their applications online. We recommend online applications because calling in may result in hours waiting on the phone. For a complete list of Canadas COVID-19 Economic Response Plans, please refer to this link https://www.canada.ca//departm/economic-response-plan.html

Darryl & Tia Ho's April 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-april-2020-newsletter-7

Answer: YES, you can get life insurance without seeing anyone! Due to COVID-19, some people may be concerned with not have any life insurance protection or not having enough. Usually, we complete the application in person but because we are all doing our part to social distance ourselves, we have been completing these transactions through email, phone and Zoom. ... Insurance companies have also relaxed their underwriting requirements to allow for more approvals without the need for a formal nurse visit to measure your vitals and take blood and urine samples. One insurer we use will now approve up to $1,000,000 in protection up to age 50 with no physical medical exams needed, just yes/no questions to answer. Therefore, if you are looking for protection now, we can help.

Answer: In general, NO! Depending on your timeline, most people fall into the 2 categories: (1) If you do not need your money for 2yrs+, do NOT sell now. Historically, the markets will recover and you do not want to miss out on this. For example, this week we had a 10% recovery. If you had sold your investments, you would have missed out on this 10% recovery. ... Similar to real estate, do not sell low if you dont need the money. Anyone that freaked out and sold homes in 2008 missed out on massive gains if they had held longer. (2) If you are currently withdrawing funds to use (ie you are now retired and relying on income from your investments), then you should already be in a lower risk portfolio. Any market drops will have less impact to your portfolio. If this is not the case and your retirement portfolio is going up and down a lot, we will show you how to best rebalance your portfolio. Since stock prices are lower, NOW is a good time to invest if you have extra cash flow or stagnant money. You have the highest probability of growth! In the end, the psychology is different for everyone so it depends on what will make you sleep better at night. Would you get out now or ride through the ups and downs? Post your comments below .

In this time of uncertainty, we are here to help. You may have questions regarding your cash flow, investments, mortgage, life insurance, critical illness, etc. We have the answers. We are offering complementary financial advice to help ease your mind. If you have concerns that are keeping you up at night, you can share your questions here or privately message us. We will post common questions and our answers. We can get through this challenging time together!

It's the start of spring already! Our March newsletter is out now - read on to find out more about steady assets! https://mailchi.mp//darryl-tia-hos-mar-2020-newsletter-748

It's February so tax season is already upon us! Read our newsletter to find out why RRSP's might not be the best option for you - https://mailchi.mp//darryl-tia-hos-feb-2020-newsletter-733

Darryl & Tia Ho's January 2020 Newsletter - https://mailchi.mp//darryl-tia-hos-jan-2020-newsletter-715

Wishing you a Merry Christmas from Darryl & Tia Ho - https://mailchi.mp/9d4602f5/darryl-tia-hos-xmas-2019-712757

Darryl & Tia Ho's December 2019 Newsletter - https://mailchi.mp//darryl-tia-hos-dec-2019-newsletter-705

Just finished Investment Conference and turned around to leave. A proud moment for Wealth Blueprint as we had VIP seats reserved for us at the front of the room. A grateful feeling to be recognized amongst so many advisors as leaders in investment portfolio management for our clients. We continue to follow our values of trust, education, transparency and integrity to guide our clients to financial success. Thank you for letting us do what we love!

Ready for another morning of market updates! #continuouslearning

Darryl & Tia Ho's November 2019 Newsletter - https://mailchi.mp//darryl-tia-hos-nov-2019-newsletter-689

Ready for a morning of training! #continuouslearning #continuousimprovement

Hi all! Can't believe it's October already! When you have a moment, please be sure to check out the October edition of our newsletter to learn more about supercharged savings accounts for kids! https://mailchi.mp//darryl-tia-hos-oct-2019-newsletter-670

All fuelled up and ready to add more knowledge on Advanced Retirement Income Planning with Sun Life Global Investments #continuousimprovement #continuouslearning

Darryl & Tia Ho's September 2019 Newsletter - https://mailchi.mp//darryl-tia-hos-sept-2019-newsletter-65

Happy Thursday! Please check out our financial pop quiz in the new August 2019 Newsletter https://mailchi.mp//darryl-tia-hos-aug-2019-newsletter-640

Time to celebrate a BIG Win !!! After 76 quizzes, 16 tests, 4 case studies, and 1 Final Exam, Darryl has now acquired his FPSC Level 1 Certification! One step closer to being a Certified Financial Planner! Lets wish him well for his final course coming up and for the last final exam in November! #almostthere #continuouslearning #continuousimprovement #darrylisanerd

Happy Canada Day everyone! The July 2019 newsletter is out - when you have a moment, don't forget to check out this month's article on why you should NOT pay down your mortgage! https://mailchi.mp//darryl-tia-hos-july-2019-newsletter-62

The June 2019 newsletter is out. Take a moment to read about the Canada Protection Plan and how it might be the right coverage for you. https://mailchi.mp//darryl-tia-hos-june-2019-newsletter-61

The May 2019 newsletter is out. Take a look at it to find out how good your life insurance really is: https://mailchi.mp//darryl-tia-hos-may-2019-newsletter-591

Darryl & Tia Ho's April 2019 Newsletter - https://mailchi.mp//darryl-tia-hos-april-2019-newsletter-5

Im looking forward to todays training session. Great topics! #continuouslearning

Darryl & Tia Ho's March 2019 Newsletter is out! - read more about Critical Illness insurance and how it can help you!

Anybody else here to meet Kevin OLeary too? Lets see if we can learn anything new about building more wealth for you! #KevinOnWealth

Happy Chinese New Year everyone! Please take a look at our February newsletter to find out more on how we can help design custom financial strategies for you and your family.

Darryl & Tia Ho's January 2019 Newsletter -

We have been behind in our recognition posts. Here is the most recent one though! Thank you to all our clients for your support. We are truly passionate at what we do!