As a small business owner or self-employed worker, you are more than likely aware of the tax changes the Federal Government is proposing.  And I am sure you are wondering about the implications the proposed changes will have on you and your future.  Here are some ideas on how Howe Harrell & Associates could help you manage the changes.

 

Whether you are newly self-employed or newly retired, you may be considering individual health & dental insurance. 

After spending time and energy determining a budget for your new company or lifestyle in retirement, the last thing you want is for unexpected bills to arrive. That’s why companies like Great-West Life and Manulife offer individual health & dental plans, Plan Direct and Follow Me, respectively. These plans come with three or four different levels of options, including higher degrees of dental coverage to help cover expenses like braces for your children or dentures for yourself. We recommend getting a quote from both options to review the benefits and cost for your specific circumstance. Either apply directly online or contact us and we would be happy to walk you through the process.

Don Howe, a founding partner, has dedicated much of his life to improving the lives of others. The following is an article written in May of 1992 and demonstrates some of the actions Howe took in order to help those who never had obtained insurance. As a result, many people finally gained access to health services that were not accessible otherwise. Read more on some of the great work Howe has done for Manitoban communities.

(Don Howe on left as Winnipeg South DSD representative)

It used to be that only the ultra-wealthy created a Family Office to manage its wealth, an office where a family hired a specific group of professionals to manage its finances.  Their duties were tailored to the needs of the family for whom they worked and could have ranged from investing, business acquisition, philanthropy, accounting all the way to family governance.  Times change, ideas evolve. 

We have some pretty amazing people that we work with. They are the family down the street, the business owner who just went national, and the young self-employed tradesperson starting their first career role. They are everyone.

Discretion and confidentiality is the name of the game when it comes to financial services. You won't see us arms around clients who are top movers in Winnipeg, nor a promotional shot of us shaking hands with clients at the end of a meeting. That's not what we do.

What we do, and who we do it for?

RRSP season has just finished and now we are on to our next endeavor: Speaking to clients about critical illness insurance before the product becomes more restrictive and increases in cost. Both items are scheduled to be addressed by insurance companies this year.

What is critical illness insurance? Who needs it? How much does it cost?                                                                

Its not only important to consider instituting a pension plan for your employees, but to follow it through with educating them on the program as well.

http://www.investmentexecutive.com/-/employers-must-do-more-to-improve-understanding-of-dc-pension-plans?utm_source=newsletter&utm_medium=nl&utm_content=investmentexecutive&utm_campaign=INT-EN-morning