Cindy Bowden Insurance and Benefits

Santa has a lot of houses to visit — and only one night to do it all. The only way he gets it all done is with a plan. Sure, the elves help him make the toys, but it’s his…

…and by that I mean out of your retirement strategy!!!         

Look, we all know just about everything ebbs and flows, or swings in cycles – the seasons, economic activity, political leanings, interest rates… everything! And if you take a look…

Being backed into a corner always puts you in the worst possible position. That’s true in the boxing ring; it’s true when you’re painting your house; and, it’s true in retirement planning. 

And in a few years, that’s exactly the…

I was recently in a workshop in which the participants were asked, ‘what is the most valuable thing you do that your clients don’t even see?’ 

The responses were incredible – it made me realize how much we all do…

This is the time of year when we give thanks for what we have been blessed with, help others in need, and spend quality time with the people who are special to us. That got me thinking about the special…

By Cindy Bowden 

It’s spring – and tax time. Chances are you are getting advice from multiple different advisors about your tax and financial planning. And chances are, it’s all good advice… but some of the advice from one…

By Cindy Bowden 

Most of us wouldn’t dream about going through life without some kind of benefits package. One of the biggest benefits of a group plan is that you can get the health and dental coverage you need…

By Cindy Bowden 

Most people don’t ask enough questions about their retirement planning because either they don’t know what to ask, or they know what to ask but they are afraid of the answers. If you’re in one of…

By Cindy Bowden 

I am writing to you this month to alert you to an urgent proposed change in legislation that will affect how you pay for financial advice and services. In a nutshell, the Ontario government wants to…

By Cindy Bowden 

Whatever tradition you follow, the holidays are always a time for re-connecting with family. And for many people it’s one of the few times during the year all the generations get together. 

The thought of…

By Cindy Bowden 

Lately I’ve been seeing the results of years of planning to protect my clients against worst case scenarios. They always say there is nothing worse than running out of money before they die. 

So if…

By Cindy Bowden 

It was 6 in the morning and I was just getting out of bed. OK I admit it. I was a little preoccupied with a client case I was working on. Maybe that’s why I didn’t…