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  • ABOUT
    • ABOUT
    • TESTIMONIALS
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    • PRIVACY STATEMENT & WEBSITE TERMS OF USE
  • SERVICES
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      • CRITICAL ILLNESS INSURANCE
      • NEED FOR PERSONAL INSURANCE
      • NEED FOR CORPORATE INSURANCE
      • TRAVEL INSURANCE
      • HEALTH SPENDING ACCOUNT
    • INVESTMENT PLANNING
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Protecting Key Talent using Group Benefits

Protecting Key Talent using Group Benefits

by Financial Tech Tools | Nov 1, 2023 | Blog, Business Owners, dental benefits, group benefits, health benefits

Building a Sustainable Future TogetherAs specialists in group benefits, the primary goal is to cultivate a sustainable future by collaborating closely with clients. The belief is that an informed and engaged workforce is pivotal for the success of any organization. A...
Understanding Target Loss Ratio and Your Group Benefits Plan

Understanding Target Loss Ratio and Your Group Benefits Plan

by Financial Tech Tools | Oct 3, 2023 | Blog, Business Owners, financial advice, Financial Planning, group benefits, health benefits

Group benefits can be intricate both in their establishment and administration. There are numerous details and considerations to be aware of when purchasing a group benefits plan, one of which is the target loss ratio (TLR).Key Questions Addressed:What is a target...
Understanding Registered Education Savings Plans (RESPs) in Canada

Understanding Registered Education Savings Plans (RESPs) in Canada

by Financial Tech Tools | Sep 1, 2023 | 2023, Blog, Family, financial advice, Financial Planning, Registered Education Savings Plan

What is an RESP? A Registered Education Savings Plan (RESP) is a unique savings account available in Canada, designed to assist individuals, such as parents or guardians, in saving for a child’s post-secondary education. Notably, anyone can open an RESP for a...
Life Insurance after 60- is it necessary?

Life Insurance after 60- is it necessary?

by Financial Tech Tools | Aug 1, 2023 | Blog, insurance, life insurance

You may have had life insurance for as long as you can remember. You wanted to make sure that your family would be taken care of and be able to pay their bills if anything happened to you.But now that you’re older and your children are grown – and hopefully your...
Understanding Tax-Free Savings Accounts (TFSAs)

Understanding Tax-Free Savings Accounts (TFSAs)

by Financial Tech Tools | Jul 3, 2023 | Blog, investment

A Tax-Free Savings Account (TFSA) is an investment vehicle available to Canadian residents. It offers numerous benefits, including tax-free growth of your investments and tax-free withdrawals. Before you decide to open a TFSA, it’s essential to understand the...
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  • Budget 2026: What the New Federal Measures Could Mean for Your Money November 6, 2026
    Budget 2026 proposes new affordability, housing, benefit, and business investment measures. From fuel tax relief and a groceries benefit supplement to an “RRSP for life” consultation and the Productivity Mega Deduction, here is a plain-language overview of what the November 5, 2026 budget could mean for Canadians’ money.
    Financial Tech Tools
  • Leaving Your Employer – Should You Take Your Pension? November 3, 2026
    Leaving your employer? One of the biggest financial choices you’ll face is whether to take your pension or leave it. Learn about your options, key considerations, tax rules, and what unlocking your pension really means so you can make a confident decision about your future.
    Financial Tech Tools
  • Financial Planning for a Child With a Disability October 2, 2026
    Raising a child with a disability comes with a question that can keep you up at night: will they be secure once I am no longer here to help? This roadmap walks through the main building blocks families use to plan with confidence, one step at a time.
    Financial Tech Tools
  • The Health Spending Account for Business Owners and Incorporated Professionals September 1, 2026
    Discover a game-changing solution to manage medical expenses efficiently - the Health Spending Account. As a business owner, reduce tax burdens and provide tax-free benefits to yourself and employees. No monthly premiums, cost-effective, and hassle-free reimbursement process. Unlock the full potential of your healthcare budget now.
    Financial Tech Tools
  • Corporate Life Insurance Planning August 6, 2026
    Corporate-owned life insurance helps business owners protect their company, manage taxes, and plan for retirement or succession. This article explores how it can fund buy-sell agreements, cover capital gains tax, reward key executives, and support business continuity—all while building tax-advantaged value inside the corporation.
    Financial Tech Tools

Latest posts

  • Budget 2026: What the New Federal Measures Could Mean for Your Money

    Budget 2026: What the New Federal Measures Could Mean for Your Money

    November 6, 2026
  • Leaving Your Employer – Should You Take Your Pension?

    Leaving Your Employer – Should You Take Your Pension?

    November 3, 2026
  • Financial Planning for a Child With a Disability

    Financial Planning for a Child With a Disability

    October 2, 2026
  • The Health Spending Account for Business Owners and Incorporated Professionals

    The Health Spending Account for Business Owners and Incorporated Professionals

    September 1, 2026
  • Corporate Life Insurance Planning

    Corporate Life Insurance Planning

    August 6, 2026

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Contact Us

Safeguard Insurance & Financial Services
Gaston Lord, FIC, CSA, CFP
Financial Advisor
(905) 962-7797
g.lord@safeguard-ltd.com

1522 Main St E. Unit 1
Hamilton, ON
L8K 1E8

About Us

We work closely with families and business owners to help achieve their financial goals. Our goal is to provide you with comprehensive service, whatever your needs are, based on confidence and trust to build a solid relationship.

Creating legacies, building trust and solid relationships while providing comprehensive service that is in your best interest.

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