Category Archives for "Uncategorized"

Feb 15

10 Reasons You Should Love Blogging

By ievolve | Uncategorized

Blog posts are a great way to get recognized within your community and share your voice. Here are the top 10 reasons you should love writing blog posts.

Anyone can make one:
For better or worse, anyone can write a blog post about anything they want. Everyone has a voice and the best voices will rise to the top.

The writer can show their personality:
In blog posts, the writer has more leeway to add in their voice and personality than other types of writing.

Blogs are a great form of mass communication:
You can help people, learn new things, entertain your audience—the possibilities are endless and amazing. Blogging opens up all of these to a very wide audience.

You can make money:

Get the right blog going and you can make a lot of money through advertising and sponsored posts.

It allows people to craft better thoughts:
Instead of reading haphazard, uneducated Facebook statuses, it’s much better to see people’s thought process in a well-written blog post.

You can establish a community:
Blogging allows you to connect with other individuals who share the same interests. Sharing ideas and opinions within your community helps establish yourself as a thought leader.

Good for SEO:
Keeping content on your site fresh and relevant, you can use your blog to boost the search engine ranking (SEO) of your site and your business.

It brings people back to your site:

If your blog is strong enough and updated regularly, people will come back looking for more and bring traffic back to your site as well.

It’s free:
It costs you a grand total of zero dollars to post to the blog, so if you have something to say, there’s nothing to stop you.

You can establish yourself as a thought leader:

A blog is a great place for your original thoughts, and it can be a wonderful way to show off your individuality. If people like your ideas, you can become a thought leader in your industry!

What else do you love about blogs? Let me know!

Feb 15

Welcome to the New Holden Insurance Services Ltd.

By ievolve | Uncategorized

Welcome to Holden Insurance Services Ltd.

Hello everyone, we have finally made it into 2017, at Holden we have broken through some large goals for this year and we hope you have too!  We are so excited to welcome you to our new site where we hope you find useful tools and tips, the ability to feel more engaged with Holden Insurance and even a little fun.  We have also decided to join the social media movement and you can find us on Instagram @holden_yyc on Twitter @holden_yyc and soon to follow Facebook, snapchat and Google+
Whatever your preference we hope you will find something that grabs your attention.

We know that it is the end of tax season, we have prepared our next post directly speaking to that, then we hope to begin some fun Spring and Summer financial topics.

Feel free to send us a note and let us know what topics you hope to see.

Feb 15

Health & Wellness: 001

By ievolve | Uncategorized

Caring for yourself is one of the greatest gifts you can give to those around you.

At Holden Insurance Services we spend many hours meeting with people of all ages and stages of life.  The topic always begins with planning and money, however health and wellness soon become a large part of their overall financial picture.  Many of our clients require risk analysis and protection, and the unfortunate part of that aspect of their plan is when people are ineligible for this valuable protection due to medical or lifestyle circumstances.

We hope to assist people as they strive for ultimate financial health and we wish them all the best in their personal health and wellness.  Here is a recent post from our friends at Thrive from the Inside and Shannon Rae.  A little treat with no guilt.—with-Avocado

Feb 15

The Talk

By ievolve | Uncategorized

Family & Finance

Family and money don’t always mix well, but what doesn’t change is the fact that we have two financial guarantees in life, death and taxes.  Those are two topics that can bring out the worst in a family.  These are highly emotional, often misunderstood topics.  Interest levels in finance are changing, people are starting to include their children in their family finances from a young age.

In Canada we have just entered a phase where our senior population outnumbers any other age group in our country.  what does this mean for all of us?  You have heard the term ‘Baby Boomers’, Baby Boomers were born post Second World War between 1946 and 1965 and make up 27% of our population according to a recent article in the globe and mail *.  The Boomers were not raised in a transparent lifestyle, money was often not easily accessible and our country went through major changes and challenges at that time.  Often the subject of dealing with an estate caused great concern and anxiety.

Transparency creates opportunity where finances are involved and removes the unknown that can cause great anxiety.  We are not recommending you shout out your bank balances and incomes from your rooftops, but conversations with trusted family and Advisers can alert you to potential risks in your financial plan, ensure you are regularly evaluating your personal financial situation and cause you to be keenly aware of your money and what it is, or is not doing for you.

When the time comes to deal with an estate a great deal of additional stress about the finances surrounding it can be removed if the exdcutor or survivors have a general understanding of where to start with winding down your financial life.  It will also work to ensure that your final wishes are met.

Understanding the task at hand is an important first step.  Ensure you have completed your wills and accompanying documents.  Manulife has provided a PDF checklist for download to offer an understanding of what is required during these times.

Download it here:  Checklist of Executors Duties…

Feb 15

Debt Awareness & Management

By ievolve | Uncategorized

Do you have a plan for debt elimination?

When most people think about retirement planning, they think of building a retirement nest-egg through RRSPs and pension plans. While these are key pieces of the puzzle, it’s important not to forget about another important element of retirement planning – debt elimination. After all, the less you spend on interest payments, the more you can allocate to your retirement savings.


A debt-elimination plan doesn’t have to be complicated. But you should have one or you’ll likely be in debt longer than you have to. There are a few simple strategies for getting out of debt sooner, such as:


  • Building extra debt payments into your budget.
  • Consolidating all of your debts at the lowest rate possible.
  • Using your income and savings to automatically reduce your debt (without giving up access to that money).


When you’re planning for retirement, don’t forget about the impact that your debt has on those plans. With a strategy for becoming debt-free sooner, you may even be able to retire earlier than expected. I’d be happy to help you develop a debt-elimination strategy that complements your overall retirement savings strategy.

*Courtsey of Manulife

Feb 15

Happy Mother’s Day

By ievolve | Uncategorized

Sunday is for Mom’s

Wishing each Mother the very best this weekend.  Wishing those who have lost a mother comfort and joy in memories.  To those who strive to be a mother, we wish you a beautiful journey.  If you are in the throws of toddlerhood where you feel like you wear more cast away food and drool than make up, know that you are special.  Know that you have given life in many forms.  You’ve nurtured, provided for and comforted a small soul that needed you.
We hope you are spoilt with love, joy and even treats.
Feb 15

The Mobile Health Generation

By ievolve | Uncategorized

Sun Life’s Focus Update for Advisor’s #638 recently revealed what the new generation of employee is wanting from health care, from their access to it and their ability to embrace emerging technology to enhance their wellbeing.  In this update they note “.. the fastest-growing cohorts in the workforce, the age 18-24 Generation Z group and the age 25 – 34 Millennials, are strong supporters of mobile health strategies.  In our 2016 Generational Workforce Survey 76% of Gen Z and 72% of Millennials said they were somewhat or likely to use a mobile health app offered by their benefits provider…..  And with the Gen Z and Millennial cohort representing 75% of the global workforce by 2025 it’s a preference worth noting.”

If you are an employer and you are seeing this demographic in your business it’s time to pay attention to their wishes.  Tools from your current benefits provider are likely readily available.  Your benefits provider or consultant should be working with you to present these to your employees and teach them how to effectively use what is available to them in the workplace.  Employees are more likely to engage in their benefit plans when they have a strong understanding of how to utilize them, healthy employees are more productive employees and encouraging your employees to utilize their plans can even lead to rates becoming more stable over time.

At Holden Financial we decided a year ago to embrace this desire for mobile access, we have a Private Health Spending Plan, PHSP, which is available through a custom design for your company, our latest is a mobile app that works on all phones and has the ability for the employee to log in on a computer to make claims.  Your employees can be making their claim before they even leave the parking lot of their dentist.  They have access to a chat icon which will enable them to ask questions when they arise and their privacy is fully protected as there is no danger of their claim being seen by anyone within your organization.

Feb 15

Determine Your Risk

By ievolve | Uncategorized

Your needs,  your priority

Risk assessment and management is an important and often misunderstood part of your overall financial plan.  Insuring yourself properly against risk, reviewing this coverage regularly alongside your financial plan is important to achieve your greatest chance of meeting your goals.

Insurance to protect against loss of income is highly recommended.  Examine your current income protection; do you have employer provided benefits that cover you for disability or critical illness?  If you do what are their coverage amounts, how long do they offer you protection?  If you are seriously injured or critically ill will they provide for your current income needs?  Your income is your greatest asset, don’t over look these potential gaps in your plan.

Do you have adequate life insurance?  When was your need for life insurance last evaluated?  Will the coverage you have provide for your loved ones or leave the legacy you’ve planned?

Manulife has done an exceptional job of illustrating your needs based on priority.  We are here to help you assess how much in each area you should cover and the options to meet that need now and as you move through the upcoming stages of your life.  We are also here to help you review this regularly, reviews are happy meetings where we can determine if you have too much or too little for coverage in one area or another, if you are approaching a renewal we can help you determine the best way to combat your increasing premium and offer a solutions.

Our goal is your success, this is one area that should be examined carefully.  Complete our needs analysis found under Risk Management & Insurance – Insurance Needs Analysis – SNAP and Request a Quote

*Graphic courtesy of Manulife Insurance Canada

Feb 15

Understanding Disability Coverage

By ievolve | Uncategorized

What are you covered for and the myths about disability coverage.

One of the largest myths surrounding coverage for a disability is that the government will take care of you.  Relying on this as your disability plan is not recommended.

Employment Insurance (EI) Sickness offers “temporary financial assistance to unemployed workers.”

The definition of disability under the Canada Pension Plan (CPP), is a taxable  monthly payment that is available to people who have contributed to the CPP and who are not able to work regularly  because of a disability.  This disability must be both  severe and prolonged .  Severe meaning, “that you have a mental or physical disability that regularly stops you from doing any type of substantially gainful work.”  Prolonged meaning, “that your disability is long-term and of indefinite duration or is likely to result in death.”

The website further goes on to mention that it will take ” approximately four months for a decision to be made  from the date we receive your application and all the necessary documents .”

In an article from Money Sense by Julie Cazzin on February 8, 2017 Seven disability insurance myths are noted and dispelled. These include: “I do not need disability insurance; the chances of something happening to me are very low.” Followed by an explanation of the potential gaps from workplace coverage and Workers’ Compensation. Further followed by the potential for paying for too much disability benefit and the financial underwriting behind contracts and benefits.

Of all these myths, the one that might catch your attention the most is that your payments don’t always start immediately. There is a process to apply for disability benefit, almost always this includes a report or evidence from medical professionals. There is an adjudication process to approve a claim, this can take weeks if not months.

It is essential to ensure you have access to emergency funds to compliment strong planning for a potential disability and that you regularly review these with your trusted advisor.

Feb 15

Great West Life Participating Account Update

By ievolve | Uncategorized

Q1 Participating Account Information is now available

Great West Life has released the Participating Account first quarter results and report.  The Participating Account is the underlying investment account that supplies the dividends into participating insurance policies.  Great West Life, Canada Life, London Life,  Sunlife, Equitable life and Empire Life are among some of the leaders in this area.  The historical performance of these accounts are readily available to the public, and participating policy holders carry an unique asset in their financial holdings.

Participating Insurance is steady, dependable insurance with a proven track record of consistency.  You can find the report for Q1 from Great West Life here

We would be happy to review your current insurance holdings or situation and help you to determine if participating whole life is something you should consider for your situation, or to evaluate how your policy design is a benefit to you or requires an