Shannon Lerner - Insurance Advisor

ATTENTION CAREGIVERS AND CAREWORKERS!
UPCOMING FREE WEBINAR & LIVE Q&A
TUES. SEPTEMBER 29, 2026 | 7-8:30PM ET
“Before & After age 18 - Four Financial Experts Give Their Top 5 Tips for Transitioning To Adulthood"
with Carla Dew, Disability Funding Advocate - ODSP expert
with Shannon Lerner - Insurance Advisor - Life Insurance expert
with Ed Arbuckle, CPA - Trusts & Taxes (& Estate Planning) expert
with Frank Gasper - Registered Disability Savings Plan (RDSP)expert
~ in partnership with TBH legal / TBH admin

WHAT YOU WILL LEARN:
TOP 5 TIPS - BEFORE and AFTER age 18 - from four (4) Financial experts who professionally advise persons who have a disability, and/or caregivers who are making financial decisions for their mentally incapable loved-ones.

4 x 15 minute presentations with a specific focus on the Ontario Disability Support Program (ODSP), Life Insurance for Mentally Incapable Adults, Trusts and Taxes (Estate Planning), and Registered Disability Savings Plans (RDSP)
also... 30 minute LIVE - Q & A SESSION with our financial experts.

Do not miss this opportunity to ask questions in advance with your registration.
All questions submitted in advance will be responded to by the appropriate presenter depending on the topic of the question asked.

REGISTER AND ASK YOUR QUESTIONS HERE:
https://forms.cloud.microsoft/r/RMkHZb57ns
or Email: [email protected]

WHO SHOULD ATTEND:
🔵 Individuals with disabilities
🔵 Parents of teens/young adults with disabilities
🔵 Care-Workers for those who assist caregivers/parents/families of mentally incapable adults

NOTES:
-Webinar WILL BE RECORDED and all Registrants will receive a link to view the video, and a pdf document of the presentation slides.
-The information in this presentation is geared to individuals with disabilities, and Caregivers / Care-Workers of Incapable Adults who reside in Ontario, Canada🇨🇦

Hosted by TBH legal / TBH admin.
https://tbhlegal.ca/adult-guardianship/
*Information applies to residents of Ontario, Canada 🇨🇦 Only.

Insurance CAN be affordable! For example, a healthy non-smoker around age 30 could pay approximately $25 to $35 per month for $1,000,000 in 10-year term life insurance coverage (although actual premiums will vary based on individual factors and underwriting).

Do Younger Canadians Need Insurance? Discover why insurance can be a smart move for younger Canadians — read more to see how early planning can help protect what matters.

It's almost time! With the beneficiary being our local cancer treatment center, and the team being a group of fun people with big hearts, this is one of my favorite fundraisers to be involved with 🥰

See comments for details👍

1 in 10 q***r adults are parents who live with at least one child under the age of 12.

Will you let the courts decide who will raise your children if you die prematurely?

Make a will.
Keep it up-to-date.

Contact your legal advisor for more information.

Source: https://www150.statcan.gc.ca/n1/pub/11-627-m/11-627-m2024046-eng.htm

Today is National Indigenous Peoples Day.

The Truth and Reconciliation Commission of Canada’s Call to Action 92 urges Canada’s corporate sector to adopt the United Nations Declaration on the Rights of Indigenous Peoples as a reconciliation framework.
This includes:
• meaningful consultation and consent for development
• employment opportunities and long-term benefits for Indigenous people
• training for management and staff on the history of Indigenous people in Canada

To apply CTA 92 in my business, I use funds with responsible investing mandates when possible.

I review commentary from fund managers about how UNDRIP (UN Declaration of Rights of Indigenous Peoples) principles have been applied to their portfolios.

If I see negative news articles about companies included in a fund, I ask the management team to justify their inclusion.

There are several approaches to responsible investing strategy, and they all have a place. For example:
• Investing in specific businesses and projects mandated to make an impact
• Only investing in companies that demonstrate commitment to responsibility
• As a significant shareholder, ask management to make meaningful improvements
• Invest in the “best in class” to gently encourage changes in policy across all companies in an industry

Not only is June Pride month, it is also National Indigenous History Month. And tomorrow is National Indigenous Peoples Day.

Did you know that 10% of trans and non-binary youth in Ontario are Indigenous?

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Lack-of-LGBTQ2-Data.pdf

62% - The number of trans people who feel comfortable coming out to their doctors. 23% say their doctor doesn’t know how to provide trans-related healthcare.

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Long-term-health-effects.pdf

Financial tip of the day: Be aware of your cash flow

Knowing exactly how much money you have coming in and going out each month can help you make better financial decisions and avoid overspending.

$8,000
Gay men generally earn $8,000 to $12,000 less than heterosexual men

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Workplace-discrimination.pdf