Victoria Paquette

refundr - tax season just got a little easier

We're thrilled to team up with Victoria Paquette to support you through the upcoming tax season! Although you may not always get a refund, getting your taxes filed should not be a painful process along the way.

Partner up with your Tax Consultant this year.

I would like to express how excited I am to share with you a simplified way to navigate our complex tax environment. We have been working with refundr.ca for over 3 years now and my clients have experienced genuine ease of use and support.

WEBSITE

Financial Growth Services

I believe in building and supporting a relationship with each of my clients, understanding your vision for yourself, your family, your future, and your legacy. I have a unique approach as a professional tax consultant. I look at your whole tax situation and apply real world solutions as a licensed Qualified Associate Financial Planner.

Insurance

Access to several carriers that enable me to offer a full range of business insurance and personal insurance.

Tax Consultant

Proven well-informed tax consultation for all Canadians including USA commuter returns.

Financial Planning

Employee benefits and wealth management services, Retirement strategies and small busines planning.

Life Insurance Services

Four things you need to know about Life Insurance

Do I need life Insurance?

If a loved one counts on you for financial support, you most likely need life insurance.
Even if you have a group coverage from your employer, it may not be enough to protect your family and may terminate when you leave the company.

How much Life Insurance Do I need?

Replace your annual income
Cover your family’s living expenses
Cover education costs
Cover your funeral expenses
Cover final income taxes

What type of Life Insurance should I get?

Term:

Specific period such as 10 & 20 years
Protects your family should you pass away unexpectedly

Permanent Life Insurance:

Coverage lasts a lifetime
Permanent Life Insurance meets a variety of needs, including creating an estate, covering taxes on an estate, providing for a child with special needs

What Information Do I have to provide about my health?

Age, weight, Height, Health Status, Medical history and other factors

Do I Control the Policy?

When you purchase life insurance from your lender you do not own the mortgage life insurance policy. You also don’t get to name the beneficiary in fact.

Protect Your Family with Life Insurance

Don’t Delay - if you are like many busy parents you’ve got important things on your to-do list that never get checked off. Two most common items are making a will land purchasing life insurance. By not acting you may cause severe hardship-stress for your family.

What happens if you don’t have a Will?

If you pass away without a will the provincial court determines who gets what from your estate assets. It may not be the distribution you wanted.
The court will appoint someone to administer your estate. Not only could this cause delays, but it may increase administration costs, leaving less for your heirs.

What happens if I don’t have life insurance?

Think of the consequences if you should pass away without life insurance. Your family’s standard of living would suffer. They may need to leave the family home. Your spouse may not have enough for your child’s post-secondary education.
Also keep in mind any money you owe is taken from your estate assets, possibly depleting your legacy.

Is Mortgage Life Insurance Your Best Choice?

Do I control the policy?

When you purchase life insurance from your lender you do not own the mortgage life insurance policy. You also don’t get to name the beneficiary- in fact the beneficiary is the financial institution.

What happens if I switch lenders?

When you switch lenders, your coverage ends. You will have to go through the insurance application process again.

The Benefits of Selecting Life Insurance

An alternative to mortgage insurance is to simply purchase life insurance and choose an amount that covers your mortgage. Benefits Include:
- You own the policy
- You name the beneficiary
- The death benefit does not decrease
- The coverage stays with you no matter where the mortgage is