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

We’ve been creating legacies since the year 2000. Unlike your automobile insurance carrier or financial institution, investments and life/living benefits insurance are not just a sideline for us. We work with many highly rated investment and insurance companies so you have choice. We believe in providing you with products and advice that offer high value. Our services are available both in French and English. Training and continuing education are very important to us. We continue to build our breath of skills that range from business/retirement planning to marriage preparation. Our goal is to provide you with comprehensive service, whatever your needs are, based on confidence and trust to build a solid relationship.

Financial Planning

Helping achieve your financial goals through financial planning

Families

We provide strategies to help families to accumulate and protect your wealth.

Business Owners

Strategies to help increase your personal cash flow, keep key employees and protect your business.

Latest News

Federal Budget 2023 Highlights

Mar 29, 2023 | 2023, Blog, Business Owners, dental benefits, Family, Financial Planning, individuals

On March 28, 2023, the Federal Government released their 2032 budget. This article highlights the following financial measures:

• New transfer options associated with Bill C-208 for intergenerational transfer.
• New rules for employee ownership trusts.
• Changes to how the Alternative Minimum Tax is calculated.
• Improvements to Registered Education Savings Plans.
• Expanding access to Registered Disability Savings Plans.
• Grocery rebate.
• Deduction for tradespeople tool expenses.
• Automatic tax filing.
• New Canadian Dental Care Plan.

Ontario 2023 Budget Highlights

Mar 24, 2023 | Blog, Business Owners, individuals, Ontario Only, tax

On March 23, 2023, the Ontario Minister of Finance delivered the province’s 2023 budget. Our article covers the highlights as follows:

• Corporate tax credits.
• Indirect tax changes.
• Increased healthcare options.
• Supporting communities.
• Supporting the economy and infrastructure.

Do you have enough for retirement?

Mar 2, 2023 | Blog, pension plan, retirees, Retirement, RRSP, Tax Free Savings Account

Many of us dream of the day that we can retire and have the time to ourselves that we have dreamed of for so many years. But, to have a genuinely contented and relaxing retirement, you need to ensure that you have the means to afford it. So, now’s the best time to consider the three critical stages of retirement planning.

1) Accumulation
2) Pre-retirement
3) Retirement

TFSA versus RRSP – What you need to know to make the most of them in 2023

Feb 2, 2023 | 2023, Blog, RRSP, Tax Free Savings Account

When looking to save money in a tax-efficient manner, Tax-Free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP) can offer significant tax benefits. The main difference between the two is that TFSAs are ideal for short-term goals, such as saving for a down payment on a house or a vacation, as its growth is entirely tax-free, while RRSPs are more suitable for long-term goals such as retirement. When comparing deposit differences, TFSAs have a limit of $6,500 for the current year, while RRSPs have a limit of 18% of your pre-tax income from the previous year, with a maximum limit of $30,780. In terms of withdrawals, TFSAs have no conversion requirements and withdrawals are tax-free, while RRSPs must be converted to a Registered Retirement Income Fund (RRIF) at age 71 and withdrawals are taxed as income.

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Questions? Feel Free to Contact Us

“It gives me great pleasure to write about Gaston Lord and Safeguard Insurance &Financial Services. When I decided to buy insurance for myself and family, I interviewed many people before I decided Gaston was the right choice. At the time Gaston was working for another company before he started his own. I found Gaston to be patient, very pleasant and answered all my questions thoroughly. He always took the time to call me back and visit me regularly or when I needed to see him. He is not like other agents who visits you once a year and tells you the market has gone down for everyone. The best thing is he treats my account like his account. He will call me and tell me, I suggest we reevaluate your account, the market is sliding, and he parks the money in a safer investment, until its time reach our goals again. That is tailored made investments to me. Gaston is like a great neighbour, he looks after your house when you’re not looking. Thanks for everything Gaston!”

– Achal Jain

“Working with Gaston gave us the chance to look outside the box and not only expand our business but also helping our business more profitable with happier employees. Thank you for all your work in developing the right concepts and strategies for us.”

– Wayne Collins

“Gaston really does have a friendly service-oriented approach to business, and clearly enjoys helping his clients focus on investment and insurance products that fit their specific needs and budget. As a long-time client of Gaston’s, he has provided options on a number of products, simplified complicated processes and explained documentation in an easy to understand format for my investment and insurance packages. He made himself available to answer any questions I had. And was always happy to meet and advise on investment choices, portfolio updating and review of my policies on a regular basis. Thanks Gaston!”

– Peter Cory

“I have known Gaston for a few years and would recommend him to anyone to get the best and most honest service. Gaston is a gentleman and a true asset to his industry.”

– John Ferguson

“Gaston has been a very good advisor; I trust him with my assets. He is very easy to deal with. He is a very honest guy. I recommend you get in touch with him today.”

– Margaret Gumbert

“Gaston really took the time to get to know me and my family and what our actual needs were. Gaston’s advice driven client first approach and knowledge really helped our decision-making process easy and understandable. We felt great peace of mind knowing my new born daughter had a tailored life insurance policy that would give back to her in future and protect her for years to come. Gaston was even able to offer me solutions for life insurance even know I had medical issues in the pass the left me declined by insures in the market. I’d like to thank Gaston for taking the time to get my little one on the right track and providing us with all the information we needed to make the right choices!!!”

– Scott Cino

“Gaston proves time after time that he has my best interest in mind when dealing with my portfolio. It is nice and refreshing to have someone look out for you.”

– Becky Brennan

“This is to confirm the excellent service recently provided by Gaston Lord. He is very knowledgeable and dedicated, as he was very understanding and responsive to my insurance requirements and satisfaction. He provided great options, recommendations and feedback. It is evident that he prides himself on putting the client first and I would not hesitate to recommend Mr. Lord. He truly understands his business and is adept when addressing client needs in a timely, attentive and professional manner.”

– Cindy Collins

“We have been working with Gaston at Safeguard for 8 years now, and we’re so happy we picked this company. Gaston is always very quick at responding and is always there for support and provides the best advice. He always follows up on all the products we have with him, and is continually making sure we are with the right insurance companies and paying the best premiums. As well, he’s continually checking on our investments to ensure we are where we should be. He’s very personable and is there for you when you need him. We recommend Safeguard and Gaston to everyone!”

– Dave & Leanne