Who has ever dreamed of being a millionaire? What would we do with all that money and what would we buy with it all? The fact of the matter is that almost everyone we meet with are millionaires... Think about it, if you worked for 25 years from starting your first career to your retirement party, you would only need to make $40,000 per year to be a millionaire! That's it, so are you a future millionaire?

See the problem is that we don't want to be paid over 40 years to be a millionaire, we would like it all in one big cheque! But the fact of the matter is, that most of us will be $1 millionaires, if not $2 millionaires or $3 millionaires. So this shows the importance of what I like to call our Human Economic Value. If you have a spouse and a few children, this is so important to realize.

When we sit with a family, our job is not only to help them accumulate assets over time for both their retirement goals or children's education, but our job needs to focus on your Human Economic Value towards your family's financial plan as well. It would make no sense to put a plan into place, without discussing some of the risks to the plan. Most people see the risks to their plan as being controlled by the stock market or GIC rates, but these pale in comparison to some of the greater risks your plans face, if you are not able to fund it anymore.

If your plan was set into place to put $250 per month away into an RRSP or savings program over 20 years, what would happen to that plan if you were to get laid off, got sick or injured or at worst even died before retirement? Think to yourself of anyone close to you who has not made it to retirement, as this is a very common situation...

When people get sick or face a terminal illness, the first thing to focus on is your health and your family, and not necessarily your job. We see so often that people will exhaust their savings and every dollar they have, if it will allow them to live longer or better. This is something that can be planned and prepared for years earlier at pennies on the dollar, if you understand the importance.

It is interesting that as Canadians we believe that we have the luxury of free Healthcare, this is true that we do not have to pay extra to go to a hospital, but it also means that everyone is entitled to the same level of service...

So if you happen to be near the end of the list when you are in need of an important medical procedure, the only option you have through OHIP is to wait.

Did you know there is a website in the US called MediBid. On this website you can find nearly any medical procedure you could need or think of, ready at a weeks notice in most situations. So if you did not want to wait months for a procedure to be covered by our healthcare system, you could go online and search the website for the procedure you are awaiting, and for a small fortune, get it done in record time!

Now if money were no object, would you hesitate? Probably not. So why not plan for the event?

Your Human Economic Value is too great, to not protect. Using Life Insurance, Disability Insurance or Critical Illness Insurance is the most cost effective way to protect your future $ millions...

As we say in our office, "It's really about what's important to your family, You..."

Call us today, and we can help protect you, and your Families financial Future...

Steffen deGraaf