The type of investment you buy should be based on your needs, so that’s why my team and I work with you to find the best option for you.
There are many forms of investments. Typically, your bank representative or financial advisor will steer you into equities like stocks, mutual funds, and/or Exchange Traded Funds. The issue is high risk. Others will focus on bonds, money market, and GIC’s. Unfortunately, returns are very low.
What if you could have the earning potential of an equity with the low risk of a fixed income? At Blue SWAN Financial, we work with providers that have investment insurance solutions available.
A Segregated Fund offers diverse investment opportunities to build wealth. In addition, Segregated Funds provide wealth protection, business, and estate planning solutions.
An Annuity is a contractual financial product sold by financial institutions that is designed to accept and grow funds from an individual and then, upon annuitization, payout a stream of payments to the individual at a later point in time.The period of time when an annuity is being funded and before payouts begin is referred to as the accumulation phase. Once payments commence, the contract is in the annuitization phase.
One of the biggest hurdles your retirement plan must overcome is taxation – both on investment returns outside your RRSPs and the income you receive in retirement. The Insured Retirement Plan utilizes the features of a tax exempt whole life or universal life insurance policy to allow you to build up a cash reserve on a tax sheltered basis and enjoy a tax preferred income stream from the plan.When you decide to supplement your retirement income, you simply collaterally assign your tax exempt whole life or universal life insurance policy to your provider. Based on the security provided by the tax sheltered investment build up of your life insurance policy, you can receive loan advances that are not considered to be taxable income. At your death, your lending institution receives the death benefit proceeds to cancel your accumulated loan and interest – and any excess amount goes to your beneficiaries tax-free!
Taking the lessons I learned in 20+ years of my career in manufacturing, I now exercise my financial
expertise as an Insurance Broker dedicated to helping my clients
I worked as a District Treasurer for the 2014-2015 terms while Allan served as a District Governor for Toastmaster District 60. Allan did a fabulous job to lead 4000+ members’ organization. Under his servant leadership style, our membership has grown tremendously. He demonstrated some of great characteristics during our journey together: generosity, patience, and collaboration. He has been an inspiration for me. Every day I applied his servant leadership style into my own business. I am sure all these great qualities he has will serve him well in whatever he does.
Trust is earned not by what we say but by what we do”. Allan Madonik is one of those rare leaders that quietly follows up any words with actions. While working with Allan during his tenure as Toastmasters International District 60 Director I witnessed how he successfully led a district of over 5,000 members. His strengths include his ability to take complex concepts and simplify them and his unceasing commitment to the people he serves. I feel truly honoured to know him as a fellow Toastmaster and a friend.
As a Club President I find you were driven and goal oriented. You give your best and expect the best, hence with you there is no room for complacency. You enjoy going the extra mile to assist others and are very respectful of people's time. As a person I find you humble, passionate about your interests, and genuinely interested other people's successes.
Allan and I met with a phone call several years ago. His phone call was one that stands out in my memory for many reasons. It was an extremely courteous call that made me feel like I knew him my whole life.. When I hung up the phone, I had a feeling that I would be seeing him again, and that we might even become friends or colleagues. Allan has a calm and accepting demeanour that makes being his colleague a privilege. He has a special way of approaching things that make you listen. And he never pressures you into anything. I am happy I picked up the phone several years ago. It was the beginning of a long lasting friendship that I am happy was formed.
I have known Allan Madonik for several years now and I would recommend him without any reservation. He is a family man that has the utmost integrity, an incredible work ethic, a servant's heart and a persistence seldom seen. He is only interested in making everything he touches better. He is always striving to bring value to everything he does. He gets it. I am proud to be associated with Allan and I look forward to having him work with me and my family for years to come.
I have known and worked with Allan Madonik as my financial advisor for several years and can say I am very impressed with his breadth of knowledge. More significantly though, is his integrity. I believe Allan genuinely listens and takes his clients' needs into consideration and sincerely recommends approaches that are in their best interests. His warm sense of humour and succinct newsletters are a nice bonus for his clients!
I wanted to thank you for setting me up for success! I feel much better now that I know my family will be safe if I am sick or worse! I will be in touch with you to discuss my investments as I am not happy dealing with my bank!
Thanks for helping me with my investments. I appreciate you coming to my work to review my information and then again for the recommendation. I look forward to consistent growth in the next several years!
I was frustrated with my advisor and I knew I had to make a change. Allan approached me and asked if I wanted to sit down and review my financial plan. He was able to come up with something that was simple and easy to follow. He also greatly reduced the premiums I paid but made sure the amount of coverage stayed the same! I am happy I started working with Allan and look forward to doing so in the future.
I have known Allan for several years and have always found him to be a kind and sincere gentleman. I was looking for guidance on protection for my family. Allan spent a lot of time both on the phone and in person to ensure he understood my situation. He put together an excellent proposal which I adopted immediately. Thank you Allan for your patience and guidance!