Hello & Welcome to Campbell Financial!

Protect

Protecting your assets is just as important as growing your wealth. Life is simply too unpredictable not to evaluate the risks, and to ensure that if a life changing event happened to you or another family member, that your financial stability will remain intact.

Grow

Developing a plan to grow your wealth is essential to your financial plan. Investing strategies will differ between individuals, as the proper assessment of time horizon, willingness for risk, liquidity, and tax planning will all be taken into consideration.

“Insuring Peace of Mind”

At Campbell Financial, are passion is to work closely with our clients to create a financial plan that is specifically tailored to reach their goals and objectives. Financial and retirement planning is a dynamic process that involves building a relationship with your advisor, to be able to create the best plan with the right strategies.

Your goals and dreams will evolve over the years reflecting changes in your life, income, and other circumstances. We have many life events we will experience, such as getting married, purchasing a home, having children, career changes and receiving an inheritance. At Campbell Financial we will be there to grow with you to help you with the various stages of life and achieving your long-term goals.

Our Process

campbell financial process

1First Meeting - When meeting you for the first time we want to set your mind at ease, giving you the confidence that your financial security, goals, and dreams can be achieved. We start with a fresh pad of paper; there is no agenda – simply a conversation about you. We will discuss and identify your financial concerns, goals and objectives. During our first meeting you will decide if you are comfortable building a long-term financial relationship with us.

2Second Meeting – After we have done our homework we will present you with some options that we think will strengthen your financial plan based on your financial goals and the risks you want to protect. We will discuss your options, and you choose the options most suited to your needs.

Having a financial plan is important. We understand that the time that it takes to put a plan in place is valuable. That’s why we will always provide the means to work with us at your convenience.

We will continue to revisit your plan, to ensure that the financial strategies you have in place still align with your goals and objectives.

Choose the Right Insurance for Your Needs

Campbell Financial | Insurance

One of the most important aspects of a good financial plan is to ensure that your risks are properly assessed and protected. No matter what stage you’re in, we can work together to ensure that your future and the future of your loved ones is secure. If you have a family that is dependent on you, it is important to assess and determine how to protect them in the event of you suffering a critical illness, disability or if you were to die prematurely.

You may have group coverage with your employer, which is excellent! However it may be worthwhile to review the coverage you have with an advisor. Quite often group coverage is good, but it may not provide you with the security you need. Also, in this day and age we often are not with the same employer through out our entire working career. You never know for sure if your next employer will provide you with a group benefit package. If you are self-employed it is important to ensure that you protect yourself and your business by properly assessing your insurance needs.

Life Insurance

Life insurance plays an important role in everyone’s financial plan. Life insurance needs may be temporary or permanent. There are a few different types of life insurance – Term, Whole Life and Universal Life. We can help educate you in what the differences are between them, and determine what product is best for you. You may be looking to protect your family or your business’s financial stability. These are some areas that should be considered when thinking about life insurance.

Family

  • Replace lost income for the surviving spouse and dependent children.
  • To ensure your family can remain in the family home – paying off the mortgage.
  • Final expenses, and other debts.
  • Provide an education fund for your children/legacy.
  • Eliminate the tax liabilities triggered at death.

Business

  • Protect ownership and control of a business.
  • Funds to replace a key employee.
  • Tax-Liabilities triggered at death.

Critical Illness Insurance

Critical Illness Insurance provides you with a one-time lump sum benefit if you are diagnosed with a life threatening illness such as cancer, multiple sclerosis or to suffer from a heart attack or stroke.

The benefit you receive provides additional funds to help pay for the unexpected costs associated with a critical illness, so your energy can be focused on your recovery, rather than dealing with financial stress.

Most Canadians own Life Insurance, which is good! However, statistically we are much more likely to suffer from a life threatening illness then to die prematurely.

Disability Insurance

disabilityins

Your biggest asset is your ability to earn an income. Disability Coverage is intended to protect this asset in event you were to suffer an accident or incur an illness that resulted in a disability that takes you away from your employment for an extended period of time.

If you or your family relies on your income to pay for your monthly expenses, ensuring that you have proper coverage is a key element to your financial plan.

If you have group coverage, you may think you are covered. However not all group plans provide the adequate coverage. We would be happy to review your existing group coverage to see if additional coverage is required based on your needs.

Interesting Fact: A 30 year old that earns $60,000 with a 5% increase in salary each year, will earn $5.4 million dollars by the time they are age 65.

Segregated Funds

Segregated Funds

A segregated fund is a pooled investment fund that is professionally managed, much like a mutual fund. However there are some key benefits within a segregated fund that you cannot find in a mutual fund. The key difference from a mutual fund is its guarantees, which provide guarantees at both maturity and at death and range from 75%-100% of your original capital investment.

  • You are able to hold investment vehicles such as RRSP’s, TFSA’s, RRIF’s, and RESP’s within a Segregated Fund.

Registered Retirement Savings Plan // RRSPs

RRSP / Registered Retirement Savings Plan

Planning and saving for retirement is essential for enjoying the retirement of your dreams. We will go over what your goals are and create a specific savings plan that is tailored to you. An RRSP is a great tool to save for your retirement. The advantage of investing in RRSPs is that your savings grow tax-free.

It’s never too early to start saving for your retirement. It is amazing the power of compound interest, even if you only start saving a small amount on a regular basis. So start today!

Contact

Cindy Campbell:

Office: (780) 488-2054
Cell: (780) 905-8754
Email: cindy@insuringpeaceofmind.com

Scott Campbell:

Office: (780) 488-2054
Cell: (780) 907-0706
Email: scott@insuringpeaceofmind.com

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