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Hi there,
A smarter way to fund your retirement.
If you've maxed out your RRSPs and TFSAs, the Insured Retirement Program (IRP) offers another way to grow and access wealth: combining life insurance benefits with tax-efficient retirement income.
It's a strategy used by business owners, professionals, and high earners to protect their families while building long-term financial flexibility.
In this article, we explain how the IRP works, who it's right for, and how it compares to other investment tools.
Make your money work for you.
Want to learn more? Let's chat.
(No pressure, just smart advice.)
Talk soon,
David |
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Life insurance that doubles as a retirement strategy. |
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Make Sure Your Family's Covered (and You're Not Overpaying |
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When's the Last Time Anyone Reviewed Your Life Insurance?
Most policies are bought and forgotten — which means many families are paying for coverage that no longer fits their needs.
My Life Insurance Policy Checkup is a free, 15-minute review to confirm your coverage is still doing its job: protecting your family and minimizing costs.
What we'll check:
- Are you paying more than you should?
- Are there new options that build cash value faster?
- Has your family, income, or debt changed since you bought the policy?
No sales pitch — just clarity and recommendations you can act on right away.
I reserve a small number of review calls each week to keep them personal and meaningful — once they're full, they roll into the next week.
[Book Your Free Policy Checkup] — a few openings remain this week.
P.S.
The only mistake bigger than overpaying for life insurance is assuming you're properly covered when you're not. Let's verify it together — it's free peace of mind. |
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Check out our featured video: |
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Whole life insurance does more than just protect, it builds wealth you can access in retirement and pass on tax-free. |
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Check out this exclusive offer: |
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Upgrade your home and give back!
On November 8, 2025 (9AM–3PM) in Milton, enjoy employee pricing on select home appliances. A portion of all sales will be donated to support families in need across the community.
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How to attend:
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RSVP here → forms.gle/YRYM1Pf6SAWEgojq7
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Get your guest pass from me — just reply "PASS" and I'll send it.
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Bring your invite (digital or printed) for entry. You can bring up to 4 guests — spouses, friends, family — no extra pass needed.
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Important upcoming dates: |
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Upcoming Bank of Canada Interest Rate Announcements:
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December 10, 2025
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January 28, 2026
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March 18, 2026
Canada Child Benefit (CCB) Payments:
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November 20, 2025
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December 12, 2025
Want to learn more? Lets talk |
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WealthTrack, 3-304 Stone Road West Suite 150, Guelph, ON N1G4W4, Canada |
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