The whole picture: most people meet me through the RDSP mission. They stay because one financial professional handles everything: the insurance, the investing, the planning. That is what a complete practice means.
RDSP and Disability Tax Credit planning
The flagship specialty. Whether you are opening a first RDSP, checking an old one, or untangling the Disability Tax Credit, we start with education: what each piece does, what you qualify for, and what to do first. Visit the Disability Finance hub.
Life insurance in Canada: term, universal, and whole life
Term life insurance covers you for a set period at a lower cost. Universal and whole life are permanent: they cover you for life and can build cash value. Neither is automatically right. We walk through what each one actually does, what it costs, and which one fits your life, in plain English.
Critical illness and disability insurance
Critical illness insurance pays a lump sum if you are diagnosed with a covered condition. Disability insurance replaces income if you cannot work. For self-employed Canadians especially, these are the backstops nobody thinks about until they need them.
Investing: TFSA, RRSP, FHSA, RESP, and non-registered
Should you max out your TFSA or RRSP first? How does the First Home Savings Account fit in? What about an RESP for the kids, or a non-registered account once the registered room runs out? A spousal RRSP is one of the quieter tools: the higher earner contributes to an account owned by the lower-earning spouse. Retirement income can be split more evenly and taxed less as a household. We build the plan around your real life, not a generic risk questionnaire.
Health and dental coverage
The everyday costs add up fast: dental work, prescriptions, vision, paramedical care. Health and dental plans fill the gaps that government coverage leaves behind, for individuals, families, and the self-employed. Personal accident and sickness coverage adds another layer, paying benefits for injuries and illnesses that keep you off work.
Travel insurance
Medical coverage for Canadians heading abroad and for visitors coming to Canada. One unexpected hospital bill in another country can undo years of saving. Simple coverage, real peace of mind.
Estate and legacy planning for disability families
For families with a loved one who has a disability, the long view matters: Henson trusts, RDSP continuity, and making sure the people you protect stay protected. Joint last-to-die life insurance is built for exactly this moment: one policy on two lives that pays out when the second person dies, giving the estate liquidity right when the tax bill arrives. Thoughtful, unhurried, and in plain language.
Start with a free self-check: two minutes, no signup, no obligation. Check whether you may qualify for the Disability Tax Credit, see if an RDSP is worth opening, explore your life insurance options, look at coverage for your business, or project your savings with the investment calculator.
How we work: every service starts with a free conversation. You will understand your options before you ever decide anything. Want the full shelf? Browse every product and service, explained in plain English.
Curious how Sean gets paid for all this free education? Read the honest answer.
Common questions
How does Sean get paid?
Every meeting, checker, and calculator on this site is free, and the education is the point. Sean is a licensed financial professional in Ontario. If, after learning how everything works, you choose to put an insurance or investment product in place, the company that provides that product pays Sean for his work. You never receive an invoice from Sean for meeting with him or for advice, and there is never any obligation to buy anything. If you never become a client, the education was still free, and that is fine.