Life & Legacy Advisory Group

Before you simply renew, take a moment to ask:

Is my coverage still the right amount?
Has my income, mortgage, business, or family situation changed?
Do I still need the same length of coverage?
Are there other options that may be a better fit now?

Life insurance is there to protect the people and priorities that matter most. As your life changes, your coverage should be reviewed too.

Let’s talk through your options and make sure your plan still fits. www.lifeandlegacy.ca

Talking about money can be challenging, especially when family dynamics are involved. But the right conversation can create clarity, reduce stress, and help everyone feel more prepared.

A few ways to start:
❇️ Choose a calm time.
❇️ Begin with values, not numbers.
❇️ Keep it respectful and judgment-free.
❇️ Talk about wishes, responsibilities, and what matters most.
❇️ Bring in a trusted advisor if the conversation needs guidance.

You do not need to solve everything in one meeting. Sometimes the most important step is simply opening the door. Need help starting the conversation? Let’s talk. www.lifeandlegacy.ca

For many graduates, money can feel like something they’re expected to figure out on their own. But a few simple lessons can make a big difference:

✅ Start saving early, even if it’s a small amount.
✅ Pay yourself first before spending what’s left.
✅ Use money as a tool to create freedom and choices.
✅ Don’t avoid money conversations — get comfortable asking questions.
✅ Remember that time is one of your biggest advantages when it comes to building wealth.

Habits built early can shape the opportunities they have later so help your graduate start their financial life with confidence.

What money lesson do you wish someone had shared with you when you were just starting out?

How much do you really need to retire comfortably?

It’s one of the biggest questions in retirement planning, and the answer is different for everyone.

Retirement planning is not about chasing an unrealistic number. It is about creating a clear, thoughtful plan that reflects your life, your values, and the future you want to feel prepared for.

Wondering what retirement could realistically look like for you? Let’s talk.
www.lifeandlegacy.ca

For many people, the transition into retirement brings a major mindset shift: moving from accumulating wealth to drawing income from it. A thoughtful plan can help bring confidence, clarity, and consistency to that next chapter.

How to Create a Retirement Income Plan That Actually Works Creating a plan that works in retirement means creating a plan that works for you and your specific needs and lifestyle.

When was the last time you reviewed your financial plan?

A lot of people think financial planning is something you do once and then leave alone. But life changes, and your plan should evolve with you.

Have you:
• Changed jobs or started a business?
• Bought a home or moved?
• Gotten married, separated, or blended families?
• Welcomed children or grandchildren?
• Started caring for aging parents?
• Experienced a change in income?
• Had a health concern?
• Begun thinking more seriously about retirement?
• Decided it’s time to protect more of what you’ve built?

Your financial plan should reflect the life you’re living now. Let’s talk to ensure your plan still fits.
www.lifeandlegacy.ca

For many people, the concern is not always
“Am I earning enough?”

It often comes down to questions like:
💵 Am I spending in the right places?
💵 Am I saving enough for what matters?
💵 Is debt quietly getting ahead of me?
💵 Do I have enough flexibility if life changes?

A thoughtful cash flow plan helps bring clarity to those questions. It gives you a clearer picture of how to balance everyday expenses, savings, debt repayment, and long-term goals without feeling like every financial decision is a guessing game.

www.lifeandlegacy.ca