Life moves forward. Let’s make sure your financial plan moves with it — with thoughtful wealth planning and protection for what matters most.
From your first investment to the legacy you leave, explore solutions for every stage of your journey.
Explore saving habits and a long-term strategy aligned with your goals.
Explore the benefits →Discuss registered and non-registered investment options that fit your priorities.
Explore the benefits →Plan for the lifestyle you want and the income you may need in retirement.
Explore the benefits →Coordinate your legacy, beneficiaries and protection needs with appropriate professionals.
Explore the benefits →Explore coverage to help support loved ones when they need it most.
Explore the benefits →Discuss financial protection for covered critical illnesses, subject to policy terms.
Explore the benefits →Explore income protection if a covered illness or injury prevents you from working.
Explore the benefits →Explore medical insurance options for visiting parents and grandparents.
Explore the benefits →Discuss emergency medical and travel protection before your next trip.
Explore the benefits →Financial decisions are personal. We start with what matters to you, then bring the pieces together.
Ask about available Sun Life solutions.
Your family, your priorities and the future you’re working toward.
Discuss relevant planning and protection options in clear, everyday language.
Agree on your next steps and revisit your needs as life changes.
Practical guides to the benefits, questions and everyday decisions behind each service.
Illustrative AI-created lifestyle imagery. People pictured are not clients or the subjects of the stories below.
Wealth generation begins with a repeatable plan, not a promise of quick returns. A clear budget can help you see what is available to save after essential expenses and debt payments. Setting priorities makes it easier to balance today’s needs with tomorrow’s ambitions.
A regular savings habit can bring structure to competing goals. Review expensive debt, keep emergency savings accessible and give each longer-term goal a timeframe. Revisit the plan when your income or responsibilities change.
A couple saving for a home could keep their deposit separate from retirement investments, so money needed soon is not exposed to the same risks.
Illustrative example, not an actual client story or recommendation.What can I comfortably save each month, and which goal comes first?
Further reading: Financial Consumer Agency of Canada ↗
An investment plan connects your money to a goal and a timeframe. Saving for a purchase next year calls for a different conversation from investing for retirement decades away. Your ability to absorb a loss matters as much as your comfort with market movements.
Planning helps you compare risk, access to your money and investment choices before committing. Review costs and account rules, and avoid assuming that past performance predicts future results.
Someone approaching a home purchase may value easy access and stability, while keeping a separate portfolio for a distant retirement.
Illustrative example, not an actual client story or recommendation.When will I need this money, and what loss could I afford?
Further reading: Financial Consumer Agency of Canada ↗
Retirement planning starts with everyday life: where you want to live, how you want to spend your time and whom you may support. A spending estimate helps turn a distant ambition into a more practical savings conversation.
A plan can help you identify an income gap and prepare for changing expenses. Starting regular contributions earlier gives savings more time to grow, although investment outcomes are uncertain. Review the plan as retirement approaches and circumstances change.
A household hoping to travel in early retirement could budget separately for travel, essential bills and later-life needs.
Illustrative example, not an actual client story or recommendation.How could my spending change when I stop working?
Further reading: Financial Consumer Agency of Canada ↗
Estate planning brings your wishes, family responsibilities and financial arrangements into one conversation. Reviewing beneficiaries is a useful starting point, particularly after marriage, separation, a birth or a death in the family.
Coordinating life insurance beneficiary decisions with an appropriately qualified legal professional can help clarify how a death benefit should be handled. Naming an estate rather than an individual may affect administration and creditor access. The right arrangement depends on your circumstances and provincial law.
Parents naming a minor child as a beneficiary may need legal advice about a trustee or another suitable arrangement.
Illustrative example, not an actual client story or recommendation.Do my beneficiary choices still reflect my wishes?
Further reading: Financial Consumer Agency of Canada ↗
Life insurance can provide a payment to beneficiaries after an insured death, subject to the policy. The money may help with household expenses, debts or the needs of dependents.
Coverage can support family continuity during a difficult transition. Term and permanent policies serve different needs and have different costs and features. Review existing workplace coverage before deciding whether additional protection is appropriate.
A parent might review coverage when taking on a mortgage or welcoming a child, rather than relying on an old policy amount.
Illustrative example, not an actual client story or recommendation.Who depends on my income, and what expenses would remain?
Further reading: Financial Consumer Agency of Canada ↗
A covered critical illness can bring costs beyond medical treatment. Some policies pay a lump sum when a diagnosis meets the contract’s requirements. That flexibility may help with household expenses, care or other priorities during recovery.
The potential benefit is breathing room during disruption. It is essential to understand covered conditions, definitions, exclusions and any waiting or survival periods. A diagnosis alone does not guarantee payment. This coverage serves a different purpose from ongoing income replacement.
A household could use an eligible benefit to help cover bills while a family member takes time away to support recovery.
Illustrative example, not an actual client story or recommendation.Which conditions qualify, and what must happen before a claim is payable?
Further reading: Sun Life Canada ↗
Your ability to earn supports many parts of your financial life. Disability insurance may replace part of your income if a covered illness or injury prevents you from working under the policy’s definition of disability.
An income benefit may help you keep up with regular expenses during an eligible absence. Check the waiting period, benefit duration, exclusions and how other coverage affects payment. Workplace coverage may not match every need or remain in place after a job change.
A self-employed professional could review how long savings would cover essentials before a disability benefit begins.
Illustrative example, not an actual client story or recommendation.How long could I manage without earnings, and when would benefits start?
Further reading: Sun Life Canada ↗
A longer family visit deserves careful preparation. Super Visa medical insurance is part of that planning, helping address eligible health expenses while parents or grandparents visit Canada.
Appropriate coverage can help meet the insurance component of a Super Visa application and reduce exposure to covered emergency costs. IRCC sets requirements for the insurer, policy duration, payment and coverage. A quote is not proof of qualifying insurance. Review current requirements directly with IRCC before buying.
An adult child arranging a parent’s extended stay could compare deductibles and pre-existing-condition terms before choosing a policy.
Illustrative example, not an actual client story or recommendation.Does this policy meet current IRCC requirements and my family’s medical needs?
Further reading: Immigration, Refugees and Citizenship Canada ↗
Travel insurance deserves a place beside tickets and accommodation. Canadian provincial or territorial plans may pay little or none of the cost of medical care abroad, and foreign providers may require immediate payment.
Emergency medical coverage can help manage eligible costs away from home. Cancellation and interruption protection may address other losses if included. Check pre-existing-condition rules, activity exclusions and how to contact emergency assistance. Credit-card coverage may have limits.
Before a winter getaway, a traveller could check whether a recent medication change affects coverage rather than assuming an existing policy is sufficient.
Illustrative example, not an actual client story or recommendation.What is excluded, and who do I call before arranging treatment?
Further reading: Government of Canada ↗
Stories published by insurers, shared here as brief reading recommendations with links to the originals.
Medavie Blue Cross shares Lana Hansen’s experience after a breast cancer diagnosis. Her critical illness benefit helped ease financial pressure and gave her more space to focus on recovery.
Publisher: Medavie Blue Cross. This describes its coverage, not an SKG Wealth client outcome.
Read Lana’s published story ↗In Sun Life’s account, emergency-room nurse Julie faced a longer recovery after a hip injury than she had expected. Disability coverage and rehabilitation support helped her navigate the transition.
Publisher: Sun Life U.S., September 2020. U.S. benefits and services may differ from Canadian policies.
Read Julie’s published story ↗These are third-party stories, not testimonials for SKG Wealth. Individual experiences do not guarantee a claim outcome or indicate that the same product or benefit is available to you.
Have a question or want to explore your options? Tell us a little about yourself and what you’re looking for.
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Choose the service closest to your goals, or select General enquiry. A first conversation can help clarify your priorities and next steps.
Yes. Mention the areas you’d like to discuss in your enquiry so the conversation can cover your wider financial picture.
Eligibility, exclusions, coverage limits and costs depend on the insurer and policy. Review the policy documents and discuss your circumstances with a licensed advisor before purchasing.
Estate planning discussions can help identify needs and coordinate with your legal and tax professionals. Wills and other legal documents should be prepared with an appropriately qualified professional.