Financial planning isn't just about making money — it's about defining a path to reach your goals.

The aim of financial planning is more than just managing your savings and investments. It's about helping you plan for a future lifestyle, without worry,  that is as good as it can possibly be. You work hard so why not make sure your money will be as reliable as you are.

Whether you are in your carefree 20s, consolidating 30s, comfortable 40s or cruising 50s, the advice of a professional financial planner can be critical in helping you achieve your financial goals by developing a strategy that will work for you.  There are many possible ways to increase your financial assets; stocks, bonds, mutual funds, black jack, roulette and the lottery, each, of which, involve risk.  The old adage of  "No Risk = No Gain" is not entirely true.

At Safe Harbour Life and Annuities we specialize in protecting and maximizing the returns of those assets you are not willing to lose.  This may well change as you go through  life's various stages. We don't want your entire portfolio, just that portion you aren't willing to lose!  If you are an aggressive/gambler investor then our approach probably will not fit you.  If you are past that stage and are more concerned with not losing what you have accumulated and making sure you have enough income to sustain your lifestyle through retirement, no matter how long you live, then we can help.

We would be happy to meet with you and find out if we can help you to achieve your goals.  We don't deal in any products that put your money at risk.  Call us for a short, confidential analysis.  See if you and I are compatible.  If so, we look  forward  to a long mutually satisfactory relationship, but  if not, no hard feelings, we wish you the best. ... Perhaps, some day in the future.

How Financial Advice Can Help You

Achieve your goals

Design a plan that saves and helps your money grow, so you can reach your goals.

Become financially secure

Grow and protect your wealth and look forward to the future with confidence.

Get a better work-life balance

Achieve the freedom to work because you want to, not because you have to.

Become debt free

Pay off your home loan and other borrowings faster — and make debt work for you, not the other way around.

Maintain adequate insurance

Provide insulation against financial disaster when the unexpected happens. Unfortunately, none of us know what lurks in the future: accident, injury, serious illness, incapacitation or death. But things happen, to us or a loved one, and adequate insurance can alleviate the consequences of the above tragedies.

Discuss strategies to reduce tax

Use legitimate strategies to reduce tax payments.

Retire in comfort

Retire when you're ready and enjoy a retirement lifestyle that's worth looking forward to.

Provide an income stream for life that you cannot outlive.

Whatever your age, you will need an income after you retire. Social Security may provide part of what you need, but most likely not all. Proper planning can provide for protected asset growth and also for lifetime income, for you and for your spouse, regardless of how long both may live.


Financial advice can make a big difference at every stage of life.

No matter what stage in life you are at it is never too early or too late to start planning for your goals and objectives and protecting what you have or what you may have in the future.

Safe Harbour Life  and Annuity advisers support clients through their changing life stages.

No matter what stage of your financial life your are in, we can help you make the most of what you have!