{"id":118,"date":"2017-04-04T12:48:21","date_gmt":"2017-04-04T12:48:21","guid":{"rendered":"https:\/\/www.desmaraisfinancial.com\/?page_id=118"},"modified":"2024-05-01T16:06:33","modified_gmt":"2024-05-01T20:06:33","slug":"home","status":"publish","type":"page","link":"https:\/\/www.desmaraisfinancial.com\/","title":{"rendered":"Home"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_row use_custom_gutter=”on” gutter_width=”1″ module_class=” et_pb_row_fullwidth” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” width=”100%” width_tablet=”100%” width_phone=”” width_last_edited=”on|desktop” max_width=”100%” max_width_tablet=”100%” max_width_phone=”” max_width_last_edited=”on|desktop” custom_padding=”0px||0px|” make_fullwidth=”on” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_slider module_class=”top-slider” _builder_version=”4.22.2″ custom_button=”on” button_text_color=”#FFFFFF” custom_padding=”40px|0px|40px|0px” custom_padding_tablet=”|||” custom_padding_phone=”|||” auto=”on” auto_ignore_hover=”on” custom_css_slide_description=”background-color:rgba(0,0,0,0.35);||padding-left:10px!important;||padding-right:10px!important;” top_padding=”40px” bottom_padding=”40px” remove_inner_shadow=”on” show_inner_shadow=”off” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_text_color__hover_enabled=”on|hover” button_text_color__hover=”#333333″][et_pb_slide heading=”Desmarais Financial” button_text=”Let’s Get Started!” button_link=”#contact” _builder_version=”4.22.2″ header_font=”|on|||” header_font_size=”45pt” body_font=”||||” body_font_size=”22pt” body_line_height=”1em” background_color=”#ffffff” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-planning-slider.jpg” header_font_size_tablet=”” header_font_size_phone=”30pt” header_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”16pt” body_font_size_last_edited=”on|phone” custom_css_slide_container=”padding:12% 10px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” sticky_transition=”on”]<\/p>\n

Let us help you understand your money<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Investments” button_text=”Learn More” button_link=”#investments” _builder_version=”4.22.2″ header_font=”|on|||” header_font_size=”45pt” body_font=”||||” body_font_size=”22pt” body_line_height=”1em” background_color=”#ffffff” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-investments-slider.jpg” custom_button=”on” button_text_color=”#FFFFFF” header_font_size_tablet=”” header_font_size_phone=”30pt” header_font_size_last_edited=”on|desktop” body_font_size_tablet=”” body_font_size_phone=”16pt” body_font_size_last_edited=”on|phone” custom_css_slide_container=”padding:12% 10px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on|hover” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_text_color__hover=”#333333″ sticky_transition=”on”]<\/p>\n

You work too hard for your money to have nothing to show for it<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Insurance” button_text=”Learn More” button_link=”#insurance” _builder_version=”4.22.2″ header_font=”|on|||” header_font_size=”45pt” body_font_size=”20pt” body_line_height=”1em” background_color=”#ffffff” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-insurance-slider-3.jpg” custom_button=”on” button_text_color=”#FFFFFF” header_font_size_tablet=”” header_font_size_phone=”30pt” header_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”16pt” body_font_size_last_edited=”on|desktop” custom_css_main_element=”background-position:bottom;||” custom_css_slide_container=”padding:12% 10px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on|hover” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_text_color__hover=”#333333″ sticky_transition=”on”]<\/p>\n

Find the solution that works best for YOU!<\/p>\n

[\/et_pb_slide][et_pb_slide heading=”Planning” button_text=”Learn More” button_link=”#planning” _builder_version=”4.22.2″ header_font=”|on|||” header_font_size=”45pt” body_font_size=”22pt” body_line_height=”1em” background_color=”#ffffff” background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-main-slider-1.jpg” custom_button=”on” button_text_color=”#FFFFFF” header_font_size_tablet=”” header_font_size_phone=”30pt” header_font_size_last_edited=”on|phone” body_font_size_tablet=”” body_font_size_phone=”16pt” body_font_size_last_edited=”on|phone” custom_css_slide_container=”padding:12% 10px;” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on|hover” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_text_color__hover=”#333333″ sticky_transition=”on”]<\/p>\n

Having a plan is essential at every stage of life<\/p>\n

[\/et_pb_slide][\/et_pb_slider][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.25.0″ _module_preset=”default” box_shadow_style=”preset1″ global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_row _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”4_4″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content” text_font=”||||” header_font=”||||” header_font_size=”30pt” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center”]<\/p>\n

A New Chapter Has Begun<\/h2>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_2,1_2″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_column type=”1_2″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_text _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”]<\/p>\n

As of May 1st, 2024, Sound Life Solutions is delighted to announce the acquisition of Desmarais Financial Services, marking a significant milestone for both organizations. These two long-standing pillars of the Owen Sound Insurance & Financial Investments community have chosen to join forces, pooling their expertise and resources to provide unparalleled support to their valued clients. This strategic union represents the fusion of innovation and experience, embodying a commitment to excellence in financial services.<\/p>\n

Together, Sound Life Solutions and Desmarais Financial Services are dedicated to delivering tailored solutions and personalized care that will empower their clients to achieve their financial goals with confidence. Join us on this exciting journey as we embark on a new era of exceptional service and unwavering dedication to our clients’ success!<\/p>\n

[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][et_pb_image src=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2024\/05\/Sound-Life-Solutions-Corp-logo.png” alt=”Sound-Life-Solutions-Corp-logo” title_text=”Sound-Life-Solutions-Corp-logo” _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][et_pb_image src=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2024\/05\/Desmarais-Financial_Logo.jpg” title_text=”Desmarais Financial_Logo” _builder_version=”4.25.0″ _module_preset=”default” global_colors_info=”{}” theme_builder_area=”post_content”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ custom_padding=”100px|0px|99px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||” header_font=”||||” header_font_size=”30pt” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″]<\/p>\n

Serving Central Ontario<\/h1>\n

\u00a0 Owen Sound \u2022 Hanover \u2022 Waterloo \u2022 Simcoe<\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font=”||||||||” text_line_height=”1.5em” header_font=”||||” header_font_size=”30pt” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center” global_colors_info=”{}”]\u2605 \u2605 \u2605 \u2605 \u2605<\/span><\/p>\n

“One of the many things that makes Rachel so valuable to her clients is her natural gift for putting people at ease. Finances can be stressful, and Rachel\u2019s ability to ease her clients\u2019 stress and uncertainty, and turn it into a practical plan, is invaluable. She deeply cares about all her clients which truly sets her apart. <\/em><\/p>\n

Everyone could benefit from the wisdom of a financial planner, and Rachel Desmarais has the expertise and professionalism to help you realize your goals.”<\/em><\/p>\n

– Miguel Cardenas<\/strong> –
\nOptimization Specialist – Schooley Mitchell
\nRead Full Testimonial<\/em><\/a>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”investments” _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-investments-header-dark-2.jpg” custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”100px|0px|100px|0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”50px|20px|50px|20px” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font_size=”48px” header_font_size=”18px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin_tablet=”” custom_margin_phone=”||0px|” custom_margin_last_edited=”on|desktop” custom_padding=”||20px|” text_font_size_tablet=”” text_font_size_phone=”30px” text_font_size_last_edited=”on|phone” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]Investments[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_font_size=”22px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|phone” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]You work too hard for your money to have nothing to show for it. Let us help you find the best way to maximize the time you have between now and your retirement![\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”60px|0px|150px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|phone” admin_label=”Row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”50px|0px|50px|0px” custom_padding_tablet=”||0px|” custom_padding_phone=”||0px|” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”RDSP” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-3.png” _builder_version=”4.22.2″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

A Registered Disability Savings Plan (RDSP) is a special program that helps Canadians with disabilities and their families save for long-term financial needs such as future medical and living costs. Like an RESP, investment income is tax-deferred and you may be eligible for government assistance.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”TFSA” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-12.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

The Tax-Free Savings Account is an account that provides tax benefits for saving in Canada. Investment income, including capital gains and dividends, earned in a TFSA is not taxed in most cases, even when withdrawn.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=”\/tax-free-savings-account-tfsa\/” button_text=”Learn More” button_alignment=”center” _builder_version=”4.16″ button_text_color_hover=”#ffffff” button_bg_color_hover=”rgba(210,171,102,0.77)” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”rgba(210,171,102,0.77)” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”RRSP” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-6.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

A\u00a0registered account that allows you to make tax-deferred contributions towards your retirement savings plan. Each dollar you contribute to the plan can lower your taxable income by the amount you invest.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ admin_label=”Row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”0px|0px|30px|0px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Segregated Funds” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-1.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Insurance contracts known as individual variable annuities that offer death benefits and maturity guarantees. Segregated fund contracts offer the growth potential of mutual funds, plus valuable wealth protection features only available through an insurance company.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”RESP” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-8.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

The Government of Canada allows savings for education to grow tax deferred until the child named in the RESP enrolls in education after high school. The child named in an RESP is known as a beneficiary.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”GIAs” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-4.png” _builder_version=”4.22.2″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Invest a sum of money for a specific term, or period of time. At the end of that term, you are guaranteed to receive your full principal investment plus interest.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#contact” button_text=”Book An Appointment” button_alignment=”center” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”insurance” _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-insurance-header-dark-2.jpg” custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|||” custom_padding=”|0px||0px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”150px||150px|” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font_size=”48px” header_font_size=”36px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”|||” custom_margin_tablet=”” custom_margin_phone=”||5px|” custom_margin_last_edited=”on|phone” custom_padding_tablet=”” custom_padding_phone=”||20px|” custom_padding_last_edited=”on|desktop” text_font_size_tablet=”” text_font_size_phone=”30px” text_font_size_last_edited=”on|desktop” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]Insurance[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_font_size=”22px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|desktop” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]With so many insurance options on the market, let us help you cut through the confusion and find the solution that works best for YOU![\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ custom_padding=”60px|0px|100px|0px” global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ custom_padding_last_edited=”on|desktop” admin_label=”Row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”55px|0px|50px|0px” custom_padding_tablet=”||0px|” custom_padding_phone=”||0px|” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Life” url=”http:\/\/www.notimelikenow.ca\/” url_new_window=”on” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-20.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

A proper financial security plan that includes life insurance can mean the difference between leaving your estate financially secure and leaving behind debts and an inadequate income.\u00a0 Are you wondering about the importance of life insurance? Find out more here<\/a>.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Disability” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-17.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Disability income protection insurance provides you with a monthly income in the case of disability. It is designed to help protect the income of a person who is currently employed.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Critical Illness” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-11.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Critical illness insurance helps survivors manage the costs associated with recovery by providing a valuable lump-sum payment. This money, which can be used for any post-illness expense, helps critical illness survivors deal with the financial demands of recovery.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ admin_label=”Row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”0px|0px|30px|0px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Long Term Care” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-14.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Health insurance protection to maintain your quality of life, dignity and financial well-being.\u00a0 If you\u2019re affected by loss of independence, we provide tax-free funds that allow you to choose the care you need, when and where you need it.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Health” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-7.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]As provincial governments cut back their levels of health care coverage, you may be left to pay for expenses. \u00a0Our enhanced health care insurance plans can help protect you against these and other unexpected health and dental expenses.
\n[\/et_pb_blurb][et_pb_button button_url=”#” url_new_window=”on” button_text=”Association Health & Dental” button_alignment=”center” disabled_on=”on|on|on” _builder_version=”4.22.2″ custom_padding=”10px|20px|10px|20px|false|false” button_text_color_hover=”#ffffff” button_bg_color_hover=”rgba(210,171,102,0.77)” disabled=”on” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”rgba(210,171,102,0.77)” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Group Benefits” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-3.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Too often we take our staff for granted. The right group benefits solution can provide the employer with a tax break on premiums and enhance employer\/employee relations.<\/p>\n

[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ make_equal=”on” custom_padding_last_edited=”on|desktop” admin_label=”Row” _builder_version=”4.22.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”55px|0px|50px|0px” custom_padding_tablet=”||0px|” custom_padding_phone=”||0px|” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Travel” url=”http:\/\/www.notimelikenow.ca\/” url_new_window=”on” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-20.png” _builder_version=”4.22.2″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]<\/p>\n

Getting sick or injured while away is stressful enough without having to worry about the cost of medical care.\u00a0 Click the link below to view options online, or you can call \u00a01\u00a0877\u00a0884-8283<\/a>\u00a0to\u00a0speak\u00a0to\u00a0a\u00a0live\u00a0body t<\/span>oday.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=”https:\/\/www.manulife-travel.ca\/dist\/home.html?as=wldfsrd” url_new_window=”on” button_text=”Manulife Travel Insurance” button_alignment=”center” _builder_version=”4.22.2″ custom_padding=”10px|20px|10px|20px|false|false” button_text_color_hover=”#ffffff” button_bg_color_hover=”rgba(210,171,102,0.77)” global_colors_info=”{}” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” 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button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”rgba(210,171,102,0.77)” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#contact” url_new_window=”on” button_text=”Book An Appointment” button_alignment=”center” _builder_version=”4.22.2″ custom_padding=”10px|20px|10px|20px|false|false” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off” button_text_color__hover=”#ffffff” button_bg_color__hover=”rgba(210,171,102,0.77)”][\/et_pb_button][et_pb_code _builder_version=”4.16″ text_orientation=”center” global_colors_info=”{}”]<\/a>[\/et_pb_code][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ module_id=”planning” _builder_version=”4.16″ background_image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/desmarais-financial-planning-header-dark-2.jpg” custom_padding=”0px|0px|0px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”|||” custom_padding=”150px|0px|150px|0px” custom_css_main_element=”background-position:top center;||background-size:cover;” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.16″ text_font_size=”48px” header_font_size=”36px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” custom_margin=”||0px|” custom_padding=”||20px|” text_font_size_tablet=”” text_font_size_phone=”30px” text_font_size_last_edited=”on|desktop” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]Planning[\/et_pb_text][et_pb_text _builder_version=”4.16″ text_font_size=”22px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” background_layout=”dark” module_alignment=”center” text_font_size_tablet=”” text_font_size_phone=”16px” text_font_size_last_edited=”on|desktop” custom_css_main_element=”text-shadow: 0 0 0.2em #000;” global_colors_info=”{}”]Having a plan is essential at every stage of life. Let us give you practical steps to pay off debt, build wealth, be truly generous and learn how to leave your family financially secure for generations to come.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”4.16″ global_colors_info=”{}”][et_pb_row column_structure=”1_3,1_3,1_3″ admin_label=”Row” _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”55px|0px|25.5938px|0px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Financial Planning” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-8.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]The process of meeting your life goals through the proper management of your finances. Life goals can include buying a home, saving for a child\u2019s education or planning for retirement.[\/et_pb_blurb][et_pb_button button_url=”\/cash-flow-planning\/” button_text=”Learn More” button_alignment=”center” _builder_version=”4.16″ button_text_color_hover=”#ffffff” button_bg_color_hover=”rgba(210,171,102,0.77)” global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”on” button_text_color__hover=”#ffffff” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”on” button_bg_color__hover=”rgba(210,171,102,0.77)” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Estate Planning” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-10.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]You decide on the kind of legacy you leave. Your loved ones can be left to struggle with dozens of questions and legal issues and paying unnecessary taxes. Or, you can create an estate plan that will help ensure your assets are passed along with no problems and with minimal taxes.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_blurb title=”Succession Planning” image=”https:\/\/www.desmaraisfinancial.com\/wp-content\/uploads\/2017\/05\/services-icon-18.png” _builder_version=”4.16″ header_font_size=”24px” body_line_height=”1.6em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” global_colors_info=”{}”]Minimize tax on the sale of a business to a third party or the next generation. Optimize your retirement income. Minimize estate tax. Provide a road map to retirement. Minimize tax on the sale of a business to a third party or the next generation[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.16″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_button button_url=”#contact” button_text=”Book An Appointment” button_alignment=”center” _builder_version=”4.16″ global_colors_info=”{}” button_text_size__hover_enabled=”off” button_one_text_size__hover_enabled=”off” button_two_text_size__hover_enabled=”off” button_text_color__hover_enabled=”off” button_one_text_color__hover_enabled=”off” button_two_text_color__hover_enabled=”off” button_border_width__hover_enabled=”off” button_one_border_width__hover_enabled=”off” button_two_border_width__hover_enabled=”off” button_border_color__hover_enabled=”off” button_one_border_color__hover_enabled=”off” button_two_border_color__hover_enabled=”off” button_border_radius__hover_enabled=”off” button_one_border_radius__hover_enabled=”off” button_two_border_radius__hover_enabled=”off” button_letter_spacing__hover_enabled=”off” button_one_letter_spacing__hover_enabled=”off” button_two_letter_spacing__hover_enabled=”off” button_bg_color__hover_enabled=”off” button_one_bg_color__hover_enabled=”off” button_two_bg_color__hover_enabled=”off”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”4.16″ background_color=”#f4f4f4″ custom_padding=”100px|0px|100px|0px” global_colors_info=”{}”][et_pb_row _builder_version=”4.16″ background_color=”#ffffff” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”100px|30px|100px|30px” custom_css_main_element=”border:1px solid #bababa;” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.16″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text _builder_version=”4.22.2″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” text_orientation=”center” module_alignment=”center” custom_margin=”||||false|false” global_colors_info=”{}”]<\/p>\n

Some of the companies we work with<\/h1>\n

[\/et_pb_text][et_pb_code disabled_on=”on|on|on” _builder_version=”4.22.2″ disabled=”on” global_colors_info=”{}”]