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As one of the largest providers of benefit consulting and administration services to Southern Ontario for more than a decade, we help you to take advantage of our flexible solutions to develop pension, health and group benefit strategies.
Insurance products, including segregated fund policies, are offered through Horizon Financial Group Inc., and investment representatives Marc Sayer, Valerie Sayer, Conner Anastakotos, offer mutual funds and referral arrangements through Quadrus Investment Services Ltd. Any activity in relation to the titles of President and Chief Investment Officer and Vice President and Senior Financial Advisor, are in related to insurance business only and is not the business of/or under the supervision of Quadrus Investment Services Ltd.
Paying for Education
/in Blog, Debt, Family, life insurance /by Horizon FinancialPost-secondary education can be expensive, however having the opportunity to plan for it helps with making sure that you’re capable to meet the costs of education.
Group Retirement Benefits
/in Blog, Business Owners, Group Benefits, Investment, pension plan, retirement /by Horizon FinancialWorking at an organization that offers a pension plan is one of the greatest financial advantages a Canadian can enjoy. Pension plans are designed to provide retirement income and help employees reach their retirement goals and for business owners- help retain key employees.
Financial Planning for Business Owners
/in Blog, Business Owners, corporate, Financial Planning /by Horizon FinancialFinancial planning for business owners is often two-sided: personal financial planning and planning for the business.
Business owners have access to a lot of financial tools that employees don’t have access to; this is a great advantage, however it can be overwhelming too. A financial plan can relieve this.
A financial plan looks at where you are today and where you want to go. It determines your short, medium and long term financial goals and how you can reach them. For you, personally and for your business.
Estate Freeze
/in Blog, Estate Planning, tax /by Horizon FinancialAn estate freeze can be an integral part of your estate planning strategy. The purpose of an estate freeze is to transfer any future increase in your business’s value (generally shares) that you own to someone else.
Group Insurance vs Individual Life Insurance
/in Blog, Group Benefits, life insurance /by Horizon FinancialWhile it’s great to have group coverage from your employer or association, in most cases, people don’t understand the that there are important differences when it comes to group life insurance vs. self owned life insurance.