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Werner C. Duever

Financial Security Advisor
Investment Representative
Freedom 55 Financial

Spring financial health checkup

Living up to my title as Financial Security Advisor means making sure my clients receive the advice they need to help them become financially secure. This includes helping them plan for major events like buying a home, sending the kids to college and retirement. It also means helping them prepare for life’s unexpected events such as job loss, illness or disability.

Each person should have a plan that is specific to their own personal needs.

People have a plan – it’s either by design or by default

I’m the first to admit that in my younger years my planning was less than perfect. Now that I’m more knowledgeable, I like to set a good example for my clients. Attached is my own blog on how important it is to put a sound financial security plan in place and what I’ve done personally.

Secret sauce to a good financial security plan

You may say: “The government will take care of me”

As Canadians, we’re so blessed to have programs like universal health care, CPP and others. And many people have told me the government will take care of them if they become ill, disabled or are unable to save enough for retirement. But this is only true up to a point.

The government will give you some protection, but you’re limited in how much you can receive. You’re also restricted in how much you can save and own. Health benefit coverage and a pension through your employer adds an additional level of protection. But is this enough? It may be – but often it’s not.

I can help you build a complete financial security plan that can make up for the areas in which the government or your employer fall short.

Financial security checkup

It’s important to have a regular physical checkup. But it’s also important to review your financial security health. If you’ve never had a financial security plan prepared for you or if it’s been some time since you last had it reviewed, then it’s time for a checkup.

I can help make sure you’re on track for your retirement goals and that you’ve prepared for life’s unexpected events such as job loss or disability.  

To help you determine how well insured you are, I’ve included a couple of articles from my website

For life insurance: Do you have enough life insurance?

For disability insurance: Your ability to earn an income – is it worth insuring?

Also, to help you determine if you are prepared for a critical illness here is an online questionnaire. It’s a seven-question quiz that helps you consider what’s involved in suffering a critical illness and how you’d handle the situation.

Are you prepared for a critical illness?

Plan for a better retirement

Finally, it’s very important to plan adequately for the day you’d like to stop working or slow down. HelloLife is an all-encompassing program that allows us to work together to create a customized spending plan that will last throughout your retirement years.

HelloLife retirement income planner

Once you complete this questionnaire, please send me your personalized code so I can review what you created. Please keep your code in a safe place so you can access it again in the future.

The information provided will give you a snapshot of what you need to secure yourself, your family and your business. For a more complete determination of your needs, please contact me at to arrange a personal meeting.