每位客戶都是獨一無二的。 每份計劃都圍繞您獨特的目標、家庭狀況及財務狀況量身打造。
Access to one of Canada's most comprehensive portfolios of insurance and investment products, backed by over 150 years of trust.
Carrie reviews and adapts your plan as your life changes — staying by your side through every new chapter.
A confident retirement doesn't happen by accident — it's the result of thoughtful, early planning. Carrie helps you build a clear roadmap so you can stop working on your terms, with the income you need to live the life you've imagined.
Retirement planning starts with understanding where you are today and where you want to be. Carrie reviews your current savings, income sources, and projected expenses to identify gaps and create a strategy that bridges them.
Key areas Carrie covers:
Strategic contributions that reduce your tax bill today while growing wealth for retirement.
Realistic projections showing exactly how much you'll have and where it comes from.
Deciding the right time to start government benefits to maximize lifetime income.
A tax-efficient plan for which accounts to draw from first — and when.
Estate planning is one of the most loving things you can do for the people you care about. Carrie helps you structure your affairs so that your wishes are honoured and your family is protected — without confusion, conflict, or unnecessary costs.
With her Certified Executor Advisor (CEA) designation, Carrie brings specialized expertise in estate administration — helping you and your family navigate the executor process with clarity and confidence.
遺產規劃服務 include:
Making sure your life insurance, RRSP, and TFSA flow exactly as you intend.
Certified expertise to help you and your estate's executor navigate the process.
Using life insurance to fairly distribute wealth among heirs when assets can't be split equally.
Strategies to leave a meaningful gift to your community or causes you care about.
Running a business is rewarding — but it comes with unique financial risks and complexities that personal planning alone can't address. Carrie specializes in helping business owners protect what they've built and plan confidently for what comes next.
Whether you're a sole proprietor, incorporated professional, or the owner of a growing company, Carrie designs strategies that address both your personal and corporate financial needs in a coordinated, tax-efficient way.
If a vital person can't work, this coverage keeps your business financially stable.
Ensuring business continuity if a shareholder passes or becomes disabled.
Build tax-sheltered wealth inside your corporation with permanent life insurance.
A clear plan for transitioning your business on your own terms, to the right people.
Carrie helps you put your money to work through Sun Life mutual fund solutions — selecting the right account types and investment mix for your goals, time horizon, and comfort with risk.
Grow and withdraw money completely tax-free. Ideal for short or long-term goals — from emergency funds to retirement savings.
Tax-free growthContributions are tax-deductible today, and investments grow tax-sheltered — one of the most powerful tools for retirement savings in Canada.
Tax-deferred growthSave for your child's post-secondary education with government matching grants (CESG) up to $7,200 per child.
Government grantsNo contribution limits — ideal for investing beyond your registered account room, with flexible access at any time.
Flexible accessCarrie helps you decide which accounts to prioritize — and in what order — to minimize taxes and maximize long-term growth.
| Account | Tax deduction on contribution | Tax-free growth | Tax-free withdrawals | 最適合 |
|---|---|---|---|---|
| TFSA | — | ✓ | ✓ | Short & long-term flexibility |
| RRSP | ✓ | ✓ | — | Peak earning years, retirement income |
| RESP | — | ✓ | Taxed in student's hands | Children's education |
| Non-registered | — | — | — | Overflow investing, no limits |
Life insurance is the foundation of any solid financial plan. Carrie helps you choose the right type and amount of coverage to protect your family — whether you need affordable short-term protection or lifelong guaranteed coverage with lasting value.
Affordable protection for a set period — 10, 20, or 30 years. Ideal for young families, mortgage coverage, and income replacement during your working years.
A participating whole life policy that provides permanent, guaranteed coverage while building cash value and paying annual dividends — a powerful wealth-building and estate tool.
Permanent coverage combined with an investment component — giving you flexibility to adjust premiums and grow a tax-sheltered investment account inside your policy.
A serious illness diagnosis can derail even the best financial plan. Critical illness insurance provides a tax-free lump-sum payment so you can focus entirely on recovery — without worrying about money.
Critical illness insurance pays out a lump-sum benefit if you are diagnosed with one of the covered conditions — such as cancer, heart attack, or stroke. You receive the money tax-free, to use however you choose: replacing lost income, covering medical costs, or paying off debt.
Why it matters: 1 in 2 Canadians will be diagnosed with cancer in their lifetime. Without critical illness coverage, a serious diagnosis can force families to drain savings, take on debt, or liquidate investments at the worst possible time.
Covered conditions typically include:
Use the benefit however you need — no restrictions on how it's spent.
Covers lost income while you take time away from work to recover.
Avoid draining your RRSP, TFSA, or investments to cover medical costs.
Some policies return all premiums paid if you never make a claim — your money back, guaranteed.
王羽恬將協助您找出最適合您情況的服務 for your situation — no pressure, just clarity.