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Welcome to Ethical Financial

We are delighted to welcome you to our website. We would love to build an Ethical relationship with you. Please let us know if you would like to be in touch with us through Email/Facebook.


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What We Do

We provide insurance brokerage and investment services including Life Insurance, Disability, Critical illness, Health and Dental, Travel Insurance, RRSP (Registered Retirement Savings plan), TFSA (Tax Free Savings Account), RESP (Registered Education Savings Plan). Our services are based on a broad concept approach of knowing who you are and what are your priorities before we recommend any product.

How We Do It

Following are the steps you can expect to go through:

Step 1:

Face to Face meeting with our talented ethical advisor to understand your unique family and financial circumstances. We collect financial information during this meeting, including your income, expenses, current savings, etc.

Step 2:

The advisor prepares a plan that covers your current needs and meet your future retirement needs, for example: how much life insurance is required and how much is currently in place, how much money you will need when you decide to retire and the best way to accumulate it.

Step 3:

The advisor will then approach all the partners (companies) who offer the products that will fit in your unique plan and find the best products available.

Step 4:

Recommendations: You will meet with your advisor again to discuss the recommended plan and implement it.

Step 5:

Service: Our service starts after the plan is placed. We recommend meeting with you once every year to monitor the plan and to make adjustments based on important changes in your life.



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  • Personal Choices

  • Business Choices

  • RRSP

    It is a tax advantageous strategy for high income earners who want to save taxes today and...

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  • Group RRSP

    A Group RRSP (Registered Retirement Savings Plan) is a collection of individual RRSPs wher...

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  • Health & Dental

    Apart from the services covered by the mandatory MSP coverage, you have an option to buy y...

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  • Group Health & Dental

    Helps employees and their dependents pay for necessary medical expenses that aren’t ...

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  • RESP

    The Purpose of an RESP is to save for the post secondary education. The plan is registered...

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  • Group Disability

    Group Disability Insurance helps to protect the members of the group from the loss of inco...

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  • Disability

    This coverage provides a monthly benefit (income) if due to accident/sickness you are not ...

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  • Group Critical Illness

    Group Critical Illness Insurance coverage provides a lump sum payment, to  members of the...

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  • Life Insurance

    Provides a Tax free Lump Sum payment to the beneficiary upon the death of the person who i...

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  • Group Life

    Provides the members of the group with a lump sum payment to the beneficiary, in case of d...

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  • TFSA

    It is a registered general savings account that allows Canadians to earn tax free investme...

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  • Open Investments

    It is a non-registered account that allows to save money for the long term. These are tax ...

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