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Financial Planning
Manulife New RetirementPlus
Financial planning makes a meaningful difference: FPSC
The Personal Retirement Account
Building Wealth with Permanent Life Insurance
Insured Annuity Strategy
Individual Investment Shelter Strategy
Financial Planning Pyramid
Planned Giving Using Life Insurance
Integrating Retirement and Estate Planning

Jake Jun Qiao, Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), Member of Million Dollar Round Table (MDRT). Please contact me for any financial planning inquires.


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Building Wealth with Permanent Life Insurance

Using life insurance as part of your overall financial strategy builds cash value and reduces tax – helping you build more wealth.

By working hard and investing carefully, you’ve built a great life for you and your family, and have achieved a certain level of financial success accumulating investments. Some investment assets accumulate sizeable tax liability that will continue to increase. With your current investments, you could be on your way to covering this tax liability, but at what cost?

After using a variety of registered and non-registered investments to build your wealth, there are alternative strategies to consider to cover your tax liability and to complement your savings.
The tax-advantaged cash value component of life insurance can help reduce your tax liability and generate a significant amount of wealth for your family’s next generation compared to taxable investment income.
A permanent life insurance policy allows for the accumulation of cash value inside the policy, within certain legislative limits, on a tax-advantaged basis. If a policy is purchased with enough coverage to pay off tax liabilities today and has the flexibility to grow well into the future, your loved ones will remain financially stable after your death. At this point, the death benefit will be distributed tax free to your named beneficiary or to your estate.
Simply dial 416-835-8805 for details.
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