Pereux Financial

Pereux Financial

Individual & Family Solutions

personal-solutions

The dynamics of financial planning can be quite complex and unique. These situations require unique solutions, the kind that we specialize in. Everyone's needs are different and we tailor solutions to fit these needs, which is why you will appreciate working with us.

Income Protection Solutions
Our Income Protection Solutions focus on Life Insurance, Disability Insurance and Critical Illness Insurance. There are many events in life that can disrupt the flow of income and lead to negative and stressful change. We work with our clients to create a complete insurance package that protects a family's ability to generate income in the event of death, disability or critical illness. We want to help you protect against these financial stresses and protect your future financial plans. Without a sound income protection plan the rest of your investment and retirement planning could be at risk

Mortgage Solutions
We provide low-cost, individually-owned life insurance policies that help individuals cover off their mortgage and/or debts. Unlike the bank’s insurance, these policies have a level death benefit for 10 or 20 years and the benefits are paid to a beneficiary of your choosing. We also work with Banking Consultants to offer unique mortgage products that help to minimize the cost of borrowing and increase cash flow.

Estate Planning
Estate Planning should be a financial priority at every stage of life. A proper estate plan assures a simple, tax-efficient and organized transfer of your assets to loved ones. Estate planning should be updated on an ongoing basis to reflect the changes and growth in your life.

Retirement Planning
Retirement planning involves setting aside enough money during one's working years to provide enough income for your retirement years. We work with investment specialists to design retirement plans based on your goals and implement the strategies necessary to reach those goals.

Investment Planning
Investment planning takes into consideration your risk tolerance, your cash flow and your investment goals. We are committed to helping you define and achieve your goals. Let us show you how we can make the most of your investments.

Education Planning
Do you want your children to have the opportunity for a higher education? The cost of post-secondary education continues to rise dramatically, but we can show you effective ways to create an education fund to offset the future costs of education.

Charitable Giving
Charitable giving through life insurance is an alternative method for leaving a legacy and can often help you make larger gifts than you ever thought possible. Making a gift of a life insurance policy to a favorite charity appeals to many because it is a flexible, cost-effective and in many cases tax-advantaged way to make a major charitable donation. We will show you the different strategies and their respective tax benefits.