Products and Services
Estate Planning
Registered Retirement Savings
Individual Pension Plans
Registered Disability Savings Plans
Guaranteed Retirement Income
Registered Education Savings
Tax - Free Savings Accounts
Employee Benefit Plans
Business Succession Planning
Life Insurance
Disability Insurance
Critical Illness Insurance
Resources and Links
Affiliated Links
Disability Insurance
    Probably the most worrisome Issue for Workers and Business Owners is a Disability.

  • Six Months of Total Disability can wipe out Years of Savings.

  • Borrowing may not be an Option- who would lend Money to Someone who can't work?

  • You could liquidate Assets such as your Home or Car, but would you get a Fair Market Price for Them?

  • If your become disabled, your ability to earn Income may be compromised, and your ability to pay Bills or save for Retirement may decline. Let me help you establish and design a Plan that works for you to help you meet your Income Requirements so you can concentrate on recovering from your Disability and returning to an active Life.

    The Peace of Mind that Income Protection can provide is available for Professionals, Business Owners, Business Executives, and full-time, part-time or Home-based Workers.

    Whether you need to secure your main source of Income or to supplement the Coverage you receieve from your Employer or an Association, we can help by providing a comprehensive and portable Plan you can rely on throughout your working years.

          Please contact me today:

          Ronald C. Sparkes, CFP,CLU,CH.F.C.
          Chartered Financial Consultant

          Bus:    +1.709-576-1669
          Cell:    +1.709-682-3100
          Fax:    +1.709-576-1832