Our Services
Financial Solutions
for Every Stage of Life
From protecting your family with insurance to growing your wealth through investments, we offer comprehensive financial planning tailored to your unique needs. Our investment approach is disciplined, diversified, and aligned with your long-term goals. Evolving as your life evolves.
Tailored Insurance for Every Stage of Life
Insurance is not about fear. It’s about resilience. We help ensure your financial plan remains strong through unexpected events.
Life Insurance
Protect your family's financial future with comprehensive life insurance coverage. Whether you need term or permanent life insurance, we'll help you find the right coverage to ensure your loved ones are taken care of.
Coverages include:
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
Critical Illness Rider Options
Disability Insurance
Your ability to earn an income is your greatest asset. Disability insurance protects you and your family if illness or injury prevents you from working.
Coverages include:
Short-term Disability
Long-term Disability
Own Occupation Coverage
Income Replacement
Critical Illness Insurance
Your ability to earn an income is your greatest asset. Disability insurance protects you and your family if illness or injury prevents you from working.
Coverages include:
Cancer Coverage
Heart Attack & Stroke
Multiple Sclerosis
Tax-free Lump Sum Benefit
Long Term Care Insurance
Plan for your future care needs. Long-term care insurance helps cover the cost of extended care services at home or in a facility.
Coverages include:
Home Care Coverage
Nursing Home Benefits
Respite Care
Inflation Protection
Group Insurance
Comprehensive employee benefits packages for businesses. Attract and retain top talent with competitive group insurance plans.
Coverages include:
Health & Dental Benefits
Life & Disability Coverage
Employee Assistance Programs
Flexible Plan Design
Grow Your Wealth with Confidence
Expert investment strategies tailored to your goals, timeline, and risk tolerance. We help you build wealth for the future.
TFSA (Tax-Free Savings Account)
Grow your money tax-free. Withdrawals are completely tax-free, making TFSAs perfect for short and long-term savings goals.
Benefits include:
Tax-free Growth
Flexible Withdrawals
Multiple Investment Options
Contribution Room Carries Forward
RRSP (Registered Retirement Savings Plan)
Save for retirement while reducing your current taxes. Contributions are tax-deductible, and your investments grow tax-deferred.
Benefits include:
Tax-deductible Contributions
Tax-deferred Growth
Home Buyers' Plan Eligible
Spousal RRSP Options
RESP (Registered Education Savings Plan)
Start saving for your child's education. Take advantage of government grants that match your contributions up to $7,200 per child.
Benefits include:
Canada Education Savings Grant
Up to $7,200 in Grants
Tax-sheltered Growth
Flexible Contribution Options
RRIF & Annuities
Convert your retirement savings into a steady income stream. We help you structure withdrawals to maximize your retirement income.
Benefits include:
Guaranteed Income Options
Flexible Withdrawal Strategies
Tax-efficient Planning
Pension Income Splitting
Segregated Funds
Investment funds with built-in guarantees. Protect your principal while participating in market growth.
Benefits include:
Principal Guarantees
Creditor Protection
Estate Planning Benefits
Reset Features
Life Stages We Support
Strategic planning designed to support you through changing life stages.
Starting Out
Building a strong financial foundation early can make all the difference. We help you establish smart habits and clear direction from the beginning.
Focus areas:
Cash flow and budgeting
Saving and investing basics
TFSA's and early RRSP strategies
Insurance foundations
Plans for first time home buyers
Grow Wealth
As careers, families, and responsibilities grow, so does financial complexity. We help align your growing resources with your long-term goals.
Benefits include:
Investment diversification
Tax-efficient strategies
Education savings
Risk management and insurance
Preparing for Retirement
Transitioning from accumulation to income requires careful planning. We help ensure your retirement income is reliable, sustainable, and flexible.
Benefits include:
Retirement income strategies
RRIF and pension planning
Tax efficiency in retirement
Long-term care considerations
Retirement & Legacy
Financial planning continues well into retirement. We help protect what you’ve built and support the legacy you want to leave.
Benefits include:
Income sustainability
Estate and legacy considerations
Insurance reviews
Intergenerational planning
Guidance that Evolves with you
Guidance That Evolves With you
Our approach is designed to support long-term confidence.
Personal — Built around your goals and priorities
Clear — Straightforward explanations and advice
Ongoing — Regular reviews as your life changes
Supportive — A trusted partner, not just a provider
From your first steps to life’s major transitions, we are here — every step of the way.
Cicero Financial
Helping Canadian families secure their financial future with personalized insurance and investment solutions for over 40 years.