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My Transfer Value (TV) articles were complex but your pension can be your biggest asset and what’s at stake cannot be taken lightly.  Life Insurance is the same.  It’s a complex topic too, but it can change lives!  In the next two articles, I want to show the uses of Life Insurance that are not obvious, yet could be very important for you and your loved ones.  This article will cover life insurance issues related to pension realities and the next one will look at such issues as they relate to estate planning.

BSc., CLU, CFP®, Pl. Fin.

Founder, Chairman and Chief Advisor.

Michel Guimond

Best pension financial advisor in the Ottawa region.

Michel studied at Laval University, in Quebec City, and obtained a Bachelor’s degree in actuarial science in 1985. He worked at Metropolitan Life (MetLife) in Ottawa (and stayed in the region since then!) from 1985 to 1990 in the actuarial department, and obtained his Associateship from the Society of Actuaries (Illinois, USA), in 1988. In 1990, he decided to jump on the other side of the fence and to become a Financial Planner to help people with their finances.

In 1993, he went to Great-West Life (GWL) as a sales manager, then Regional Life manager in 1997.

In 2000, he left GWL to join a group of actuaries and financial planners and start giving retirement seminars for the Retirement Planning Institute (RPI), the largest provider of retirement seminars to the public function pensionneers. Since the year 2000, Michel has been the leading financial planning seminar facilitator at exclusive events for public sector employers and employees.

Over 700 seminars later, he still does retirement seminars and provides financial plans to over 500 families.