info@macleanrowefinancial.com (604) 683-2044
MacLean Rowe FinancialMacLean Rowe Financial
  • HOME
  • ABOUT
    • ABOUT US
    • SUPPLIERS
    • PRIVACY POLICY & WEBSITE TERMS OF — USE
  • SERVICES
    • LIFE STAGES
      • Starting your career
      • Growing Families
      • Mature Families
      • Preparing for Retirement
      • Retirees
      • Estate Planning
    • BUSINESS STAGES
      • Business Succession
      • Executive Benefits
      • Group Benefits
  • BLOG
  • RESOURCES
    • HELPFUL LINKS
    • CALCULATORS
  • LOGIN
    • IA LOGIN
    • EMPIRE
    • SUNLIFE
  • CONTACT

Category: Blog

2023 Financial Calendar

January 2, 20232023, Blog, Financial Planning, Retirement, RRSP, Tax Free Savings AccountMaclean Rowe

Welcome to our 2023 financial calendar! This calendar is designed to help you keep track of important financial dates and deadlines, such as tax filing and government benefit distribution. You can bookmark this page for easy reference or add these dates to your personal calendar to ensure you don’t miss any important financial obligations.

Read More

Has Purchasing Life Insurance Changed Since 2020?

December 1, 2022Blog, Life InsuranceMaclean Rowe

During this stressful and challenging time, many are wondering what effect COVID-19 could have on their life insurance. Some may be worried that the insurance companies would make changes to their existing policy due to coronavirus concerns, resulting in an increase in their premiums or a restriction to their coverage. It should be reassuring to all that insurance companies are generally not able to change the contractual provisions of the insurance policies that are in force.

Read More

Now May Be a Good Time to Review your Estate Plan

November 1, 2022Blog, Estate PlanningMaclean Rowe

It has long been an accepted strategy to provide sufficient estate liquidity to pay taxes due at death from the proceeds of a life insurance policy. In Canada we are fortunate to have permanent life insurance policies that insure an individual for their entire life with a premium that is guaranteed not to increase. It is feasible to be able to use these policies in an effective estate plan.

Read More

Shielding Your Family From Your Creditors With Life Insurance

October 5, 2022Blog, Debt, Life InsuranceMaclean Rowe

Naming a beneficiary of a life insurance policy provides a significant benefit in planning and protecting one’s estate. With a named beneficiary, the death benefit is paid directly to the beneficiary and is received tax-free. It bypasses the policyowner’s estate and is not subject to probate or any other administrative fees.

Read More

Group Life Insurance – Only Part of The Solution

September 1, 2022Blog, Group Benefits, Insurance, Life InsuranceMaclean Rowe

If your goal is to replace income for your family for more than 2 years, you may want to add an individual policy to your group insurance coverage.

According to the same LIMRA study, on average, households with only group coverage can replace the household’s income for less than 2 years. Households with both group and personal life coverage can replace income for more than 5 years.

Read More

Is it Time for Your Insurance Audit?

August 1, 2022Blog, Insurance, Life InsuranceMaclean Rowe

Has it been awhile since you last looked at your insurance portfolio?

Are you a little vague in your recollection of all the coverage you have and why you have it?

Are you uncertain as to whether or not your portfolio reflects your current situation?

Just like going to the dentist for regular checkups is a necessary evil, reviewing your financial plan and products on a regular basis is also recommended. Circumstances can change over time and making sure your protection is keeping pace is a worthwhile exercise.

Read More

July/August COMMENT Newsletter

July 7, 20222022 Only, Blog, CLU CommentMaclean Rowe

COMMENT is an informative newsletter targeted to the unique niche that CLU advisors occupy in the financial services industry, with a focus on risk management, wealth creation and preservation, estate planning, and wealth transfer.

Read More

Estate Planning for Blended Families

July 6, 2022Blog, Estate Planning, FamilyMaclean Rowe

In today’s family, it is not unusual for spouses to enter a marriage with children from previous relationships. Parents work hard at getting these children to functionally blend together to create a happy family environment. Often overlooked is what happens on the death of one of the parents. In most cases, special consideration for estate planning is needed to avoid relationship loss and possibly legal action.

Typically spouses leave everything to each other and when the surviving spouse dies, the remainder is divided amongst the children. The problem? Even with the best of intentions, there is no guarantee that the surviving spouse will not remarry and inadvertently disinherit the deceased’s children.

Read More

A Lifetime Gift for Your Grandchildren The Cascading Life Insurance Strategy

June 1, 2022BlogMaclean Rowe

If you are a grandparent wishing to provide an asset for your grandchildren without compromising your own financial security, you may want to consider an estate planning application known as Cascading Life Insurance.

Read More

1 in 3 Canadians Will Become Disabled Before the Age of 65

May 2, 2022Blog, disability, Disability InsuranceMaclean Rowe

Having a source to replace your earned income in the event of an illness or accident is vital considering that on average, 1 in 3 Canadians will become disabled for a period of more than 90 days at least once before the age of 65. For those that are disabled for more than 90 days the average length of that disability is 2.9 years.

If you are one of the approximately 10 million Canadians covered under a group Long Term Disability plan (LTD) it’s important to understand what your coverage provides. Don’t wait until after you’re disabled to read the employee handbook because you could have a few surprises!

Read More
Load More

Recent Posts

  • 2023 Financial Calendar
  • Has Purchasing Life Insurance Changed Since 2020?
  • Now May Be a Good Time to Review your Estate Plan
  • Shielding Your Family From Your Creditors With Life Insurance
  • Group Life Insurance – Only Part of The Solution

Categories

  • 2020
  • 2020 Only
  • 2022 Only
  • 2023
  • Accountants
  • Blog
  • Business Owners
  • Business Owners
  • buy sell
  • Buy-Sell Insurance
  • CLU Comment
  • Coronavirus
  • Coronavirus – Associates
  • Coronavirus – Practice Owners
  • Coronavirus – Retired
  • Coronavirus – Retiring
  • Coronavirus – Students
  • corporate
  • Critical Illness Insurance
  • Debt
  • disability
  • Disability Insurance
  • Estate Planning
  • Estate Planning
  • Family
  • farmers
  • Finance
  • financial advice
  • Financial Planning
  • Group Benefits
  • health benefits
  • individuals
  • Insurance
  • Investment
  • Life Insurance
  • Long Term Care
  • mortgage
  • pension plan
  • Personal Financial Planning
  • RDSP
  • Retirees
  • Retirement
  • RRSP
  • RRSP
  • tax
  • Tax Free Savings Account

Contact Us

Gaire Maclean, CFP, CLU
Certified Financial Planner and Chartered Life Underwriter

Tel: (604) 683-2044 
Fax: 604 689 2801 
Email: gaire@macleanrowefinancial.com

Tannis Rowe, BA, CFP, CLU
Certified Financial Planner and Chartered Life Underwriter

Tel: (604) 683-2044 
Fax: 604 689 2801 
Email: tannis@macleanrowefinancial.com

#1810 – 1075 West Georgia Street
Vancouver, British Columbia
V6E 3C9

info@macleanrowefinancial.com

Latest Posts

  • 2023 Financial Calendar
  • Has Purchasing Life Insurance Changed Since 2020?
  • Now May Be a Good Time to Review your Estate Plan
  • Shielding Your Family From Your Creditors With Life Insurance
  • Group Life Insurance – Only Part of The Solution

About

MacLean Rowe Financial’s boutique approach to financial advice affords clients with the individual attention they deserve to achieve their goals and objectives.
© 2019 Financial Tech Tools | Financial Services Blog