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Don’t Let Financial Planning Mistakes Damage Your Retirement

Although many people think that the real danger to their retirement comes from not having enough money or Social Security when the time comes, financial planners say that a far greater risk is making mistakes that squander the resources you have when you leave the workplace. Terence L. Reed, CFP, author of The 8 Biggest Mistakes People Make with Their Finances Before and After Retirement, offers this advice on avoiding four of the most common mistakes: Put your plans in writing. If you’re married or with a partner, be sure that they contribute equally. Retirement isn’t a do-it-yourself project. Written plans are less likely to overlook key elements. Be certain to address every aspect of retirement, such as spending, allocation of expected retirement benefits from pensions or Social Security, provision of insurance, and plans to live or travel. Be realistic about your willingness…read more →

Using U.S. Strategies in Canadian Benefits Plans

Taken from: Benefits Canada “With Canadian healthcare costs on the rise, I often suggest to benefits administrators plan design modifications that would cut costs without reducing benefits—for example, a preferred provider network. However, these suggestions are often met with distaste. I hear objections such as, “We can’t ask our employees to go to one pharmacy and not the other.” The discussion historically has ended there—until recently. Canadian plan administrators fighting rising costs are increasingly considering American-style design considerations. Following are some of those. Pre-approval for services U.S. plans frequently require plan members to obtain pre-approval for services. Certain surgeries, CAT scans, MRIs and other services can be denied if approval is not received first. With paramedical costs growing, some Canadian plans have implemented similar pre-approval for services such as massage therapy, acupuncture, compression hose or orthopaedic shoes. Beneplan clients’ claims history shows that just…read more →

What Do You Think About Us

We at Dan Lawrie Insurance Brokers would like to hear what you have to say about us. you can simply leave us a comment on one of our social sites or even leave a comment on this page. Here are a few examples of what you guy have left us so far. “In my personal experience, Rene Papin is a guarantee of responsibility, trustworthiness and integrity in all his actions. Rene also has a great sense of humour that makes him a pleasure to deal with.” L. Monck   “I was with another Financial Advisor for over 15 years and it wasn’t until the last few years that I noticed my advisor did not call me to review my portfolio with me. I found that very disturbing and when I called them for an update – they told me everything was fine…read more →

Did You Know That Dan Lawrie Insurance Brokers Offers Trucking Insurance?

As specialists in serving the Transportation Industry, we know what it takes to design a comprehensive, cost-effective insurance program that will provide you with the most for your insurance dollar! You’ll be sure to appreciate the value of working with us making a direct comparison of coverage, service expertise and price. TRANSPORTATION Our Coverage includes: Auto Liability Commercial General Liability Umbrella / Excess Liability Warehousemen’s Legal Liability Cargo Coverage Load Broker / Freight Forwarders Policies We also have available for transportation industry: Safety and Compliance Transportation Bonds Directors and Officers Liability Errors & Omissions Liability Commercial Property Machinery Breakdown For more information about Trucking Insurance contact the professionals at Dan Lawrie insurance Brokers today at (800) 661-1518!

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