Services

Insurance Solution
​

Life Insurance & Living Benefits 
​
​Life Insurance provides:
  • Estate tax needs
  • Tax deferral opportunities
  • Wealth transfer
  • Buy/Sell shareholder and partnership  agreement funding
  • Key person insurance
  • Income replacement for family needs.
Living Benefits: describes a group of insurance products that pay a benefit to the insured while alive:
  • Long Term Care Insurance
  • Long Term Disability Insurance 
  • Critical Illness Insurance
  • Long Term Care Insurance 
  • *Best Doctors® Insurance Global Medical Care™:
 * Access the finest healthcare at   Centres of Excellence around the world with a $5 million lifetime fund to cover treatment costs.
Group Benefits:
Our services include:
  • Needs analysis
  • Plan design
  • Plan implementation
  • Administrative support
  • Claims resolution
  • Renewal rate analysis
  • Cost containment
  • Plan marketing


​​Retirement Planning
​

Canadians are living longer than ever before and facing a greater responsibility to fund their retirement. Saving and building a “retirement nest egg” for the future is becoming more important. However, many people are not saving enough to maintain their desired standard of living throughout their retirement.
In retirement, most people have a reduced income since they are no longer working. It’s important to think about how much you will need to retire comfortably, whether you will be relying on a reduced income, and whether that will be enough.
Since we’re living longer and our life expectancies continue to increase, our retirement savings will be stretched further. To help yourself prepare for a comfortable and sustainable retirement, you will need to plan your retirement carefully. The earlier you start planning; the more options you will have.
With proper planning, you can save enough for the standard of living or lifestyle you want in retirement.
At Henley Financial and Wealth Management we will help guide you through the process to achieve the optimized retirement you desire.
  • Registered Retirement Savings
  • Tax Free Savings plans
  • Annuities
  • ​Segregated Funds
  • Gic's
  • High Interest Savings Accounts​​
  • Leveraged equity​

Estate and Investment Strategies

Estate Planning
  • Tax strategies  
  • wills
  • trusts
  • Minimize tax liabilities at death Distribution of wealth and property 
  • Life insurance is an integral part of the process.  A properly structured life insurance plan provides the funding to the estate or holding company to meet estate tax liabilities, fund obligations, provide funds to replace lost income and/or enhance the intergenerational transfer of wealth.
  • Alternative investment to low risk low yield, highly-taxed investments like bonds, GICs , etc. 
The unique tax treatment of Life Insurance policies under Canada’s Income Tax Act make it a key component in Succession Planning.
Used as Investments:
  • Permanent Insurance as an investment
  • Tax minimization/elimination
  • Succession Planning
  • Individual Pension Plans (IPPs)