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Are Big Banks Putting Their Interests Ahead of Yours?

Are Big Banks Putting Their Interests Ahead of Yours?

by Financial Tech Tools | Sep 17, 2025 | Blog, insurance, investment

Are Big Banks Putting Their Interests Ahead of Yours? When Canadians turn to their bank for investment advice, they often expect unbiased guidance that puts their needs first. But recent findings from regulators show that may not always be the case. Many bank...
Why a Critical Illness Insurance Top-Up Could Make a Big Difference

Why a Critical Illness Insurance Top-Up Could Make a Big Difference

by Financial Tech Tools | Sep 9, 2025 | Blog, Business Owners, critical illness insurance, Family

Most of us don’t expect to face a serious illness in our lifetime. But the truth is, health challenges such as cancer, heart disease, or stroke are more common than many people realize. In fact, about half of Canadians will develop cancer at some point in their lives....
Why a Critical Illness Insurance Top-Up Could Make a Big Difference

Why a Critical Illness Insurance Top-Up Could Make a Big Difference

by Financial Tech Tools | Sep 3, 2025 | Blog, Business Owners, critical illness insurance, Family

Most of us don’t expect to face a serious illness in our lifetime. But the truth is, health challenges such as cancer, heart disease, or stroke are more common than many people realize. In fact, about half of Canadians will develop cancer at some point in their lives....
Helping Employees Get the Most Out of Their Health Benefits

Helping Employees Get the Most Out of Their Health Benefits

by Financial Tech Tools | Aug 4, 2025 | Blog, group benefits

Helping Employees Get the Most Out of Their Health Benefits You can provide the most generous benefits package in the world, but if employees don’t understand how to use it, it won’t have the impact you hoped for. Across Canada, many employees leave valuable health...
OAS Clawback 2025: What Retirees Need to Know About the Recovery Tax

OAS Clawback 2025: What Retirees Need to Know About the Recovery Tax

by Financial Tech Tools | Jul 4, 2025 | 2025, Blog, investment, pension plan, retirees, Retirement

OAS Clawback 2025If you’ve worked hard to build your retirement income, the last thing you want is to see your government benefits clawed back. Yet for many Canadians, the Old Age Security (OAS) recovery tax—commonly called the OAS clawback—can quietly reduce this...
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  • Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money? July 15, 2026
    Generic semaglutide (the active ingredient in Ozempic) is now available in Canada, and it has the potential to meaningfully reduce drug costs for employer-sponsored benefits plans. But savings are not automatic. Without the right plan design in place, many members may stay on the brand-name drug and costs could remain unchanged. Here is what plan […]
    Financial Tech Tools
  • What Happens to Your Group Benefits When You Leave a Job? July 1, 2026
    Most Canadians do not think about their group benefits until the day they leave a job, and by then, the clock is already ticking. Health and dental coverage typically ends on your last day. But here is the part many people miss: your group life insurance comes with a conversion privilege that lets you carry […]
    Financial Tech Tools
  • What Is Participating Whole Life Insurance? June 1, 2026
    Participating whole life insurance is a permanent policy that does more than protect your family — it builds cash value and pays dividends over time. Learn how it works, who it's for, and how it compares to other types of life insurance.
    Financial Tech Tools
  • What Is Life Insurance and How Does It Work? May 1, 2026
    Life insurance doesn’t have to be confusing. Learn how it works, the difference between term and permanent coverage, and how to decide how much protection your family may need.
    Financial Tech Tools
  • Tax Lines to Look Out For on Your 2025 Canadian Tax Return April 1, 2026
    The 2025 tax year brings a lower federal tax rate, higher contribution limits, and several eliminated credits. From the new Canada Disability Benefit to changes in CPP2 and capital gains rules, here are the key lines to watch when filing your 2025 Canadian tax return.
    Financial Tech Tools

Latest posts

  • Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?

    Generic Ozempic Is Here. Will Your Drug Plan Actually Save Money?

    July 15, 2026
  • What Happens to Your Group Benefits When You Leave a Job?

    What Happens to Your Group Benefits When You Leave a Job?

    July 1, 2026
  • What Is Participating Whole Life Insurance?

    What Is Participating Whole Life Insurance?

    June 1, 2026
  • What Is Life Insurance and How Does It Work?

    What Is Life Insurance and How Does It Work?

    May 1, 2026
  • Tax Lines to Look Out For on Your 2025 Canadian Tax Return

    Tax Lines to Look Out For on Your 2025 Canadian Tax Return

    April 1, 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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