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Risk Management Articles

Disability - What Would Happen to Your Business? 
Many, if not most, businesses will suffer financial consequences when one of the owners becomes disabled. In the absence of some prior arrangement to keep the business on a profitable footing, the business itself may become…

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Chances are You’ll Recover From a Critical Illness – Chances are Your Retirement Plans Won’t 
Getting sick isn’t something any of us like to think about. But it can happen. In fact, your risk of being diagnosed with a critical illness before the age of 75 is higher than your risk of dying in that time. The good news is that…

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If you were diagnosed with a serious illness, how would it affect your life? 
We can all think of someone close to us who has been diagnosed with cancer or has had a heart attack or serious illness.  Today’s chances of surviving a life altering illness are excellent, but the impact could have serious consequences on your finances.

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Wealth Management Articles

Investment Leveraging
Leveraging is a strategy of using borrowed money to invest. The use of leveraging can be applied to real estate, stocks, bonds, and other investments. When used properly, it can be an amazing financial tool as it allows the investor to employ a limited amount of money towards a larger investment than would be possible through a direct purchase made with available cash....

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Registered Education Savings Plan (RESP)

An RESP is a tax-deferred education savings vehicle through which the federal government allows a subscriber to save money for a beneficiary’s post-secondary education. This money can be used to cover any costs associated with their education at that time.

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Borrowing to Invest
Many Canadians, particularly those who use all or most of their RRSP contribution room, are seeking tax-deductible investment options beyond their RRSPs. One investment strategy that is complimentary...

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The Insurance Advantage
With insurance-based investments (registered and non-registered), you can name a beneficiary. This allows you to direct the value of those investments, at the time of your death, to the individual(s) you have designated within your...

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Individual Pension Plans Can Generate Healthy Tax Savings and Peace of Mind Throughout Retirement
An IPP is a registered defined benefit pension plan sponsored and funded by an employer. It is designed for the professional looking to maximize contribtuions towards their retirement.


Many business owners and executives consistently maximize their RRSP contributions. However, they may find that their personal RRSP limit will not be
sufficient to fund their desired lifestyle through retirement.

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General Financial Planning

Changes to the Canada Pension Plan
The Canada Pension Plan (CPP) is changing to better reflect how Canadians choose to live, work, and retire. The Government of Canada is adapting the CPP to ensure it...

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Estate Planning 101
If you’re like most people, getting your personal financial plan started can be a challenge. And what about planning your estate? Well, that subject might really make you shudder. But why...

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Creditor Protection: Top 10 tips for Business Owners
Whether you’re an established entrepreneur or just starting out, it’s important to regularly review your creditor protection strategy. Most business owners, officers and directors don’t realize that their personal assets are…

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Employee Benefits Articles

Group RRSPs: Are you Providing your Employees with the Opportunity to Save for Retirement?

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Generic Drugs - Important Facts

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Health Spending Accounts: Are you Providing your Employees with Health Care Flexibility?

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Email us at info@ciccone-mckay.com or call us: 604-688-5262

About Ciccone/Mckay

Ciccone/McKay Financial Group is an independent financial services firm with over 75 years of combined experience in the areas of risk management, wealth management and employee benefits.

 

We specialize in providing insurance and investment solutions for our clients, helping businesses, individuals and families grow, manage, protect and transfer their wealth.


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  • Ciccone/McKay Financial Group
    Suite 360 - 1095 West Pender Street
    Vancouver, British Columbia
    V6E 2M6

    604-688-5262