Services

Products and Services

Everyone should have a financial plan, although the level of complexity will vary. It is not just about retirement and estate planning, as there will be opportunies and challenges along the path. We start by identifying goals and the current financial situation. From there, strategies are developed to address emergencies, planned purchases, wealth growth and protection, income tax reduction, and much more. Particular products are recommended as appropriate, with the clients’ best interest in mind. These may include the following:

• Life Insurance
• Disability Insurance
• Critical Illness Insurance
• Long Term Care Insurance
• Travel Insurance
• Health and Dental, Individual and Group
• Investments, including RRSPs, RESPs, non-registered, and annuities.
• Tax Free Savings Account, coming January 1, 2009

Clients are served within the Province of Alberta.

Companies Represented

As an independent agent and broker, Antony (Tony) Ratcliffe represents a number of insurance companies, and business can be placed with other companies as the best solution for the client is identified.