Enhance Financial Services

Ken has been in the financial industry for more than 23 years. While running his own full-service brokerage in Ontario, he earned his Certified Financial Planners designation in 2004 and has held that and various other designations within the industry including Canadian Accredited Insurance Broker and Investment Branch Manager. In addition to the family market, Ken specializes in the business market and has assisted many business owners with their needs such as buy sell agreement funding, share holder redemption strategies, retirement income planning, employee group benefits and succession planning, just to name a few. Ken is married and together with Lorie enjoy family and grandchildren. Active in his community, Ken is a Rotarian and a member of several other community groups.

ken@enhancefinancial.ca

250-668-8699

Ask an advisor: Should I get benefits for my small business? – Canada Life

Find out how group benefits plan can help retain staff, improve morale and productivity, and keep your employees healthy and at work.

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Description: This animated video introduces a character named Greg and his advisor with illustrated graphics to show how benefits can help a small business owner.

Text: Ask an advisor: Should I get benefits for my small business?

Description: An illustration of a storefront draws into the frame.

Greg: My employees have been asking for workplace benefits. Are they right for my business?

Description: Greg stands behind a counter of baked goods while talking on the phone. An employee carrying empty coffee cups on a tray walks into frame.

Advisor: I'm in the neighborhood. I’ll stop by.

Description: Cut to a close-up shot of Greg.

Advisor: In today’s competitive job market, group benefits can be a great way to invest in your company’s health.

Description: The advisor sits on a stool at a high table with her laptop. Greg serves her tea.

Advisor: They can help you attract and retain staff

Description: The camera zooms out to show Greg in a circle. Two more circles appear with Greg’s employees inside each.

Advisor: Improve morale and productivity

Description: The camera zooms into one of the employees. Text “Morale” and “Productivity” appear, each with an indicator showing a high rating.

Advisor: And keep your employees healthy at work.

Description: The camera zooms out of the employee to show them safely carrying a large box.

Advisor: There are plans available for companies as small as two people.

Description: Cut to Greg and the advisor talking in the café.

Advisor: You can start with basic benefits such as prescription drugs, dentalcare, disability, life, critical illness and accident insurance.

Description: Illustrations animate into the frame to represent each benefit.

Advisor: Then as your business grows, you can add a retirement and savings plan.

Description: Two illustrations appear : a Muskoka chair for retirement and a piggy bank for savings.

Greg: But can I afford it?

Description: Cut to a medium shot of Greg.

Advisor: Adding workplace benefits can be less expensive than pay raises. When you raise pay, you also increase your contributions to public pension plans, employment insurance and worker’s compensation. With benefits, you don’t have to. You just make the monthly payments.

Description: Three illustrations of the benefits return. A list appears, titled “No increases in:” with “Employer contributions under Canada and Quebec pension plans,” “Employment insurance” and “Worker’s compensation” in a column.

Advisor: And our apps and online services can make administering your plan easy and secure.

Description: Cut to the advisor with her laptop turned towards Greg. The My Canada Life at Work dashboard is displayed.

Advisor: Let’s talk about creating a group benefits plan that works for you, your employees and your business.

Description: The camera zooms out to show Greg and the advisor.

Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.”

The value of financial advice – Canada Life

Canada Life offers expert guidance to help you build a long-term financial plan to achieve your goals. Get started today at http://www.canadalife.com.

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Description: This video uses footage of Canadians in different life stages and statistics to illustrate the value of an advisor.

Narrator: We’re not born knowing how to manage money.

Description: A young couple smiles lovingly at their newborn baby.

Narrator: We grow up needing a little guidance.

Description: Cut to a close-up of a mother and toddler’s feet, taking small steps together. Cut to a dad securing his son on a small scooter.

Narrator: An advisor offers expert advice to help you manage your life today for a better tomorrow

Description: A woman speaks to her advisor over video conference. The advisor smiles.

Narrator: by creating a personalized plan as unique as your goals and dreams.

Description: A couple sits in their living room, discussing their plan on a laptop.

Narrator: How much difference could an advisor make?

Description: Words “How much difference could an advisor make?” appear onscreen.

Narrator: How about having 60% more money in retirement

Description: A retired couple sit on a beach. The wife looks back to her husband and smiles. Words “Up to 60% more* retirement savings” appear onscreen with legal line: “*Saving for the future: Impact of Financial Advice on the Canadian Economy (IFIC 2020).”

Narrator: Being better prepared for an emergency

Description: A plumber fixes a leaking faucet. Words “32% more* prepared for a financial emergency” appear onscreen with legal line: “*Financial Planning Standards Council, fpcanada.ca, The Value of Financial Planning 2013.”

Narrator: Being able to handle changing markets

Description: Cut to a close-up of a hand scrolling through stock prices on a phone. Words “19% more* able to handle tough economic times” appear onscreen with legal line: “*Financial Planning Standards Council, fpcanada.ca, The Value of Financial Planning 2013.”

Narrator: Taking the vacation of your dreams

Description: A middle-aged woman in hiking gear walks across a plane. Mountains are in the distance behind her. Words “30% more* able to take a vacation” appear onscreen with legal line: “*Financial Planning Standards Council, fpcanada.ca, The Value of Financial Planning 2013.”

Narrator: or splurging on something you’ve always wanted

Description: A couple stands in front of a new vehicle at a car dealership, speaking to a saleswoman. Words “34% more* able to splurge” appear onscreen with legal line: “*Financial Planning Standards Council, fpcanada.ca, The Value of Financial Planning 2013.”

Narrator: Taking care of your family financially if you aren’t there

Description: Cut to a close-up of a couple clasping their hands together. Words “33% more* able to take care of your family if you die earlier in life” appear onscreen with legal line: “*Financial Planning Standards Council, fpcanada.ca, The Value of Financial Planning 2013.”

Narrator: Or even getting a bit more sleep.

Description: A man tosses in his bed, burying his head into his pillow. Words “12% less likely* to lose sleep over financial worries” appear onscreen with legal line: “*2021 Financial Stress Index, by FP Canada™.”

Narrator: We rely on lots of experts in our life.

Description: Cut to a surgical team preforming a surgery.

Narrator: Doctors for our health care.

Description: A female surgeon is shown close-up.

Narrator: Lawyers for legal help.

Description: A lawyer sits at their desk, typing.

Narrator: Mechanics to fix our car.

Description: A mechanic inspects the undercarriage of a car.

Narrator: So why not get professional financial advice to help you make the most of your money?

Description: A man meets with his advisor in an office. The advisor gestures towards the client’s plan.

Narrator: Visit canadalife.com to find an advisor and get started today.

Description: Words “Visit canadalife.com to find an advisor and get started today” appear onscreen with Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190”

Ask an advisor: What is inflation? – Canada Life

Learn about inflation and how it impacts your financial plan.

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Description: This animated video introduces a character named Sarah and her advisor with illustrated graphics to explain inflation.

Text: Ask an advisor: What is inflation?

Description: An illustration of a bar graph with an upwards arrow draws into the frame.

Sarah: I’ve been hearing a lot about inflation. Should I be worried?

Description: Sarah sits in the advisor’s office. The advisor nods his head and smiles. His laptop sits on the desk between them.

Advisor: One of the best reasons to have a financial plan is to help you manage inflation.

Description: Cut to a medium shot of the advisor gesturing with his hands.

Advisor: Inflation is the gradual rise in the prices for all the goods and services you buy,

Description: A stack of coins is shown. Two coins roll into the frame and are added to the stack.

Advisor: including groceries, transportation and maybe your spring break vacation.

Description: Illustrations appear: a paper bag of food for groceries, a gas pump for transportation and an airplane for vacation.

Advisor: While we hope prices won’t go up, some inflation is the sign of a growing, thriving economy.

Description: A coin from the stack starts to roll along a line. The coin continues to roll as the line grows to a peak and then dips downward. Text “1-3% per year” appears onscreen.

Advisor: That’s because it encourages consumers to spend money now, rather than later when the price could be higher.

Description: More coins fall into the frame.

Advisor: But inflation can be a problem if your pay cheque can’t keep up.

Description: The camera pans downward to large text that compares a “1% raise” to “3% inflation.” A hand holding a pay cheque moves into the frame.

Advisor: Over time, you may not be able to afford to purchase as much as you previously did, lowering your standard of living.

Description: The illustrations of groceries, transportation and vacation return. Dollar signs flow outwards from each.

Advisor: This is especially important in retirement when your income may be more fixed and not able to grow with inflation.

Description: A graph appears. A straight dotted line labelled “Fixed income” draws into the frame. A second line draws in an upward motion, showing rising inflation.

Sarah: Oh, that makes sense!

Description: The camera zooms out of the graph to reveal the advisor’s laptop and Sarah in his office.

Advisor: Let’s talk about how you can create a financial plan with inflation in mind.

Description: The advisor gestures towards his screen, Sarah smiles.

Text “Let’s talk. Contact me today.” appears onscreen with the Canada Life logo and legal line: “Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.”

RRSP and RESPs

Contributing to a Registered retirement savings plan (RRSP) is still one of the most popular ways to save for your retirement. Contributions are tax deductible and taxes are deferred until you withdraw your money.

Registered education savings plans (RESPs) offer an effective way to maximize the money available to your children or grandchildren when they enrol in a full-time post-secondary program. And anyone – parents, grandparents, other family members and friends – can open an RESP for a child. As the cost of post-secondary education continues to rise, it’s becoming even more important to start saving early for their future education.

Preserving your business

As a business owner, it's important to consider the various ways to cover the risks your business faces, protect your employees and build employee satisfaction and loyalty. We offer a number of solutions to help business owners like you protect and grow your business.

Get retirement ready – Canada Life

We can help you build a plan for life after work. Learn more at http://www.canadalife.com.

View the video transcript:

Description: This video combines impactful words with footage of Canadian women close to retirement.

Narrator: You do it all.

Description: “You do it all” repeats across the screen in large text. A middle-aged woman bikes on the side of a road near a lake. Mountains appear in the distance.

Narrator: You’re unstoppable.

Description: “You’re unstoppable” repeats across the screen in large text. A mother sits on the edge of her bed holding her swaddled newborn baby.

Narrator: But when it comes to retirement, you might not feel ready because you’re worried you haven’t saved enough.

Description: A woman sits at her kitchen table, reading her statements. A stack of papers sits on the table next to her.

Narrator: But you’ve worked hard for this.

Description: “You’re worked hard” repeats across the screen in large text. A nurse in a mask takes a patient’s temperature.

Narrator: and you deserve to take this next step with confidence.

Description: An athletic woman jogs down a wooden bridge in a park.

Narrator: An advisor can help you build a plan.

Description: A barber smiles while talking on a cordless phone. She gives a young girl with long hair a trim.

Narrator: so you can afford the retirement you want.

Description: A surfer in a wetsuit stands on the beach at dawn, holding her surfboard.

Narrator: They’ll provide expert advice to help you choose the right investments based on your comfort with risk.

Description: A women sits at her desk, typing on a laptop. The back door of her home is open to a lush garden in the distance.

Narrator: draft a budget and ensure your family is taken care of.

Description: A mother holds up her phone to take a picture of her teenage daughter wearing a graduate cap and gown.

Narrator: It’s time to take charge of your money.

Description: A woman in tennis outfit plays pickleball on a court outside with her husband.

Narrator: Get retirement ready, your way.

Description: “Get retirement ready” repeats across the screen in large text.

Narrator: To learn more, contact your advisor.

Description : Words “To learn more, contact your advisor” appear onscreen with Canada Life logo and legal lines: Canada Life and design are trademarks of The Canada Life Assurance Company. canadalife.com 1-204-946-1190.

Anyone can get sick: Sandra's story - Canada Life

A critical illness can happen to you even if you have a healthy and active lifestyle. Critical illness insurance helped Warren take care of his daughter and wife, Sandra, to lessen the emotional and financial strain of Sandra’s illness.

View the video transcript

Description: Emotional music begins to play. Man begins to speak.

Warren: My first reaction when I heard Sandra had cancer was denial.

Description: A happy, family portrait of a woman, man and infant daughter appears.

Description: The video turns to the man in a room. A white box appears at the same time with red text that reads, Warren, Sandra’s husband.

Warren: I think before we even heard the word cancer, I was just denying the fact that it was very much a possibility that it can happen to anybody.

Description: A photo of a woman and Warren wearing winter attire appears. A white box with red text appears on the screen that reads, yesterday, a healthy lifestyle.

Description: The scene cuts to a woman speaking in a room. A white box appears at the same time with red text that reads, Sandra, 30, Lymphoma cancer patient.

Sandra: We had a pretty active lifestyle before I got sick. We have a Dragon Boat team with our family. We have a home gym. We like to get out with our daughter.

Description: A picture of Sandra, Warren and their infant daughter appears. Their daughter is in a chest carrier worn by Warren. The family is smiling.

Sandra: She has dance classes.

Description: A picture of Sandra, Warren and their infant daughter appears. They are all bundled in winter attire, smiling for the camera.

Sandra: She's a very busy, energetic little girl that needs to be kept busy.

Description: Then video then cuts to a photo of Sandra and Warren who are wearing numbers on their chest for a marathon. They are both smiling for the camera.

Warren: We were active, we were healthy. We always bought our fresh fruits, veggies, every couple of days.

Description: The video returns to Sandra and Warren sitting beside each other in the room.

Warren: Every couple of days, we had, our meals, we had lots of balance between our meats, our fruits and our vegetables.

Description: The video cuts to Warren.

Warren: That's just was we enjoyed. We don't drink much, we don't smoke.