Welcome to Cove Financial Planning Ltd.
At Cove Financial we specialize in two specific areas: Fee for service financial planning and providing our clients with high quality life and living benefits insurance products.
Good planning creates clarity around where to go and how to get there. High quality insurance products provide important guarantees that offer the peace of mind and security that no other financial instrument can.
When we are working with a client to make insurance decisions, we start with financial planning but more specifically cash flow modeling. Modeling cash flow into the future clearly illustrates what happens to net worth and income over time, and part of the purpose of buying insurance is to protect both cash flow and net worth, whether it is life insurance, critical illness insurance, or disability insurance; one of those three products protects cash flow and net worth.
There has been a lot of change in insurance products and tax over the years. Our 25 years of experience in the planning and insurance business have given us a tremendous insight into the importance of setting up a sound insurance or financial plan for the long term.
Our experience has shown us that business families face unique challenges. We provide value to business families through our understanding of those challenges and the solutions that our specific expertise can provide. Being part of their success in achieving peace of mind and a sense of certainty makes us feel good about the work that we do.