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Category: Debt

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.

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Stop Living Paycheque to Paycheque and Start Living

March 1, 2021Blog, Coronavirus, Debt, financial advice, Financial PlanningMaclean Rowe

We are now living in a gig economy as a result of wage stagnation and increased globalization. While previous generations have usually worked one full-time job, often with a pension plan, today more and more Canadians are working for several different companies as independent contractors.

While this type of work does offer much-needed flexibility for some, it also creates financial instability for millions of Canadians. A recent survey of all working Canadians by the Canadian Payroll Association suggests that 43 percent of workers were living paycheque to paycheque prior to COVID-19. That statistic does not take into account COVID-19’s impact on the workforce.

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5 Top Financial Planning Strategies For Small Business Owners

January 31, 2021Blog, Business Owners, Debt, taxMaclean Rowe

Creating a financial plan for your business is critical not only for your business’ survival but also for its growth. However, many small business owners struggle to create a comprehensive financial plan that considers all of the financial needs of the business – which should include long term growth goals and contingency plans for any unexpected circumstances. Below, we have compiled a list of the strategies business owners should start with when considering a comprehensive financial plan.

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CEBA extended to October 31st. Expanded to include more businesses.

September 1, 20202020 Only, Blog, Coronavirus, Coronavirus - Practice Owners, DebtMaclean Rowe

On August 31st, Deputy Prime Minister and Minister of Finance Chrystia Freeland announced the extension of the Canada Emergency Business Account (CEBA) to October 31st, 2020. This will give small businesses 2 additional months to apply for the $40,000 loan.

In addition, the Federal Government said it was working with financial institutions to make the CEBA program available to those with qualifying payroll or non-deferrable expenses that have so far been unable to apply due to not operating from a business banking account.

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The Case for Life Insurance

July 30, 2019Blog, Debt, Estate Planning, Life Insurance, mortgageMaclean Rowe

When it comes to most forms of insurance, many people understand the importance of having coverage. Whether it’s your car, your home, or other valuable possessions, having insurance means that you’re financially protected should disaster strike. One of the first things you do when you buy a new car is to make sure it is protected before you drive it off the lot. Why? Because if you are involved in an accident chances are good you would suffer financially.

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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

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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.
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