Comprehensive risk engineering that protects your income, assets, and family from events that cannot be predicted — but can be prepared for.
A critical illness diagnosis is a financial event, not just a medical one. We design CI coverage that provides immediate liquidity when you need it most — allowing you to focus on recovery, not financial survival. Coverage is engineered to your income replacement needs, not a generic product.
Permanent life insurance, when structured correctly, is one of the most powerful tax-advantaged vehicles available to Canadian high-income earners. We design whole life policies as financial instruments — not just death benefit products — incorporating cash value growth, tax-exempt accumulation, and estate planning.
Establishing financial structures for your children at an early age creates compounding advantages that cannot be replicated later. We design juvenile insurance and RESP strategies that lock in insurability, build tax-sheltered assets, and create a foundation for your children's financial independence.
High-income professionals face unique liability risks. We design structures that separate personal assets from professional and business liabilities — ensuring that a single adverse event cannot unwind decades of wealth accumulation.
"Insurance is not a product category. It is a risk engineering discipline. The question is never 'do you need insurance?' The question is: 'what is the precise cost of the risk you are currently carrying unprotected?'"
— Wallace Wang, CFP®