Jay R. Gangnes, CSA
         Financial Advisor

Do you have a question about corporate insurance, group benefit plans, life insurance, estate planning, or wealth management?

I'll gladly answer any questions you have. Call Jay Gangnes, CSA:
(604) 808-9962

Services
Corporate Insurance Services
Employee Benefit Plans
Corporate Financial Planning
Estate & Financial Planning
RRSPs & RESPs
Mutual Funds
Segregated Funds
Universal Life Insurance
Permanent Life Insurance
Term Life Insurance
Critical Illness Insurance
Disability Income Insurance
Mortgage Insurance
Health & Dental Insurance
Travel Insurance

Have You Ever Asked Yourself. . .

• If I was unable to work due to illness or disability, how long could I live off my current finances?
• If I (as a business owner) lost my partner(s) or key employee suddenly, what would it cost the business to replace them?
• Will I have enough money when I turn 60 or 65, to retire on for the next 20+ years?
• If I died tomorrow, could my spouse and family maintain their current lifestyle?
• If I died tomorrow, how much of my estate would go to the government for taxes? Will my family be able to pay estate taxes?

I can help you answer these questions.

Are you a business owner? I can show you a simple way to invest money from your business tax-free.

Are you a home owner? I can show you a simple strategy to help you pay off your mortgage faster.

Are you protecting your financial future?

If you are concerned about these questions, you probably need a financial plan. Corporate Financial Planning covers "the big picture." It's simply your list of short- and long-term goals and a plan of how you're going to spend (and save) your money to achieve those goals.

I can help you create a financial plan to:

• Save money to achieve your goals
• Protect your family's security and financial well-being
• Plan for retirement
• Manage your taxes

As an Independent Advisor, I have access to over 30 top insurance companies, and the top ranked mutual funds in Canada. I can help you find the lowest insurance rates available today.


As a Mutual Fund Representative, Jay Gangnes, CSA is licensed with Portfolio Strategies Corporation, through which mutual funds are distributed.

Contact JR Financial
Experts in Corporate and Personal Insurance and Financial Planning

(604) 808-9962
Jay Gangnes, CSA
Vancouver, Surrey, Burnaby, BC, Canada