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Author Archives: Justine Zavitz

Assembling Your Dream Team

Justine Zavitz

Justine Zavitz

Taking care of your financial health takes the same kind of comprehensive and collaborative approach that you would take when looking after your physical and mental well-being. Much like in medicine, financial professionals tend to have their own unique specialty.  Ours is insurance…but you will also want an accountant, lawyer, banker, investment advisor, and possibly others on your financial team. 

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To Consolidate or Not to Consolidate?…That is the Common Question

Justine Zavitz

Justine Zavitz

Student loans are an inevitability for many. Especially when pursuing multiple degrees like a medical, dental, business or law degree. Luckily, in these types of programs the banks tend to be quite generous with providing lines of credit to help. However some of you will also qualify for OSAP or other provincial government loans.

During school, OSAP does not require interest payments on the debt. For this reason, it is preferable to use as much OSAP as they will give you before tapping into the bank lines of credit. However, after training OSAP will ask for repayment on the loans and interest starts to accumulate at the same time. The question I commonly get is – should I consolidate my OSAP onto my line of credit or keep it separate?

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Adding Dependents to your Group Benefits Plans: 30 Days is Shorter Than you Think

Justine Zavitz

Justine Zavitz

I recently had a baby girl – Scarlett. No matter how many people warned me, I was not prepared for what it would be like to become a mom…especially those first few weeks. The lack of sleep, hormones and uncertainty in every decision that was made took over my every thought. This is how I almost missed a crucial deadline – the deadline to add Scarlett to my benefits plan.

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Pension Reform in Canada & The ORPP Video

The Ontario government recently introduced legislation to create the Ontario Retirement Pension Plan (ORPP), a mandatory, occupational pension plan designed to supplement the Canada Pension Plan for employees not currently covered by a comparable workplace pension.

The ORPP will have significant implications for the business community. This video explains how the legislation will impact your business.

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Increasing Your Investment IQ Seminar Recording

Key topics discussed during our “Increasing Your Investment IQ” seminar:

  • Knowing what type of investments are right for you
  • Rates of return
  • Advisor compensation
  • Advisor qualifications
  • Insurance as an investment

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