If you are here, something may have shifted. A farm transition has begun. A business has grown. A child was born. Retirement is closer than you expected. A health issue has you rethinking priorities. That is exactly when we want to hear from you.
Every solution, every product, every projection in your plan is built on the facts of a specific moment in time. Your income. Your assets. Your debt. Your ownership structure. Your family situation.
When those facts change, your protection, your investment structure, your succession plan, and your retirement projections may no longer fit. That is why it is critical that we know.
Every Mountain Strong client will get their own service plan page. A way to stay connected, informed, and up to date, both during and in between our meetings. Meeting you where you are. Preview what's coming, below.
Some are happy, some are hard, all of them shift the math behind your plan. Reach out when one of these arrives, not at the end of the year when you remember.
Beneficiaries, spousal rollovers, joint ownership, and the wording in your will can all need updating the day this changes.
Life insurance need rises overnight. RESPs, beneficiary designations, and guardianship language all want a look together.
Insurance is rarely upgradable after a diagnosis. We move fast on disability, critical illness, and any conversion option still on the table.
A share sale, a partner buyout, or a new credit facility shifts your tax position, your succession plan, and your corporate coverage. Catching it early avoids costly cleanup later.
The asset, the tax treatment, and the routing into your own plan are all time-sensitive. Decisions made in the first ninety days are hard to undo.
Mortgage insurance offered at the bank is usually overpriced for what it is. Large asset shifts also change your estate liquidity picture.
RESP withdrawal windows open, dependant insurance riders change, and the next generation can start to be part of the planning conversation.
A natural reset moment. Cash flow, debt structure, and whether your coverage still matches what you owe all want a quick check before you sign for another term.
Disability coverage, RRSP room, tax projections, and KYC are all built on your last income figure. Refresh the figure, refresh the plan.
Drawdown order, CPP and OAS timing, income from the corporation, and the insurance you may no longer need all depend on the year and month you step away.
Beneficiary designations and policy ownership have to stay consistent with the will. A small mismatch can move large dollars to the wrong place.
Executors carry real personal liability. If you are stepping into the role, there is a short checklist that keeps the first ninety days on track.
Between your reviews, our team keeps an eye on the things that affect every client we work with. When something relevant comes up, we reach out. You do not have to go looking for it.
Federal and provincial budgets, CRA technical interpretations, capital gains inclusion shifts, RRSP / TFSA / RDSP rule updates, AMT, AIIP, anything that touches how your assets are taxed.
Carrier underwriting updates, policy class amendments, provincial regulator bulletins, conversion windows, and beneficiary law changes that affect what you have in force.
CPP and OAS bracket shifts, GIS clawbacks, AgriStability changes, succession funding programs, and any benefit your plan is built around.
Conditions that may affect your investments or retirement projections, not for short-term reactions, but where the math in your plan would change.
Every year we make sure what you have in place still matches what you actually need. These are the three coverage conversations we revisit most often.
The death benefit your loved ones will receive. Reviewed against your current income, debt, dependants, business obligations, and estate plan, not the picture you had when the policy was issued.
The replacement income if you cannot work. Reviewed against what you actually earn now, not what you earned when the contract was bound, and against the benefits already on your group plan.
Lump-sum financial support when a serious diagnosis changes everything. Reviewed against the cost of stepping away from work, child care, travel for treatment, and the things you would actually need to spend on.
One is scheduled. One is whenever life happens. Both matter.
We sit down together and go through your full picture. We look at what has changed in your life and whether your plan reflects it. We review your investments and retirement projections. We confirm your beneficiaries are current. We check your insurance against where you are today.
Both of us arrive prepared, with the same picture in front of us.
Do not wait for your annual review. If something significant happens, a marriage, a separation, a new baby, a diagnosis, a business decision, an inheritance, reach out. We would rather hear about it early than have your plan working from outdated information.
We are the first call when something financial comes up and you are not sure what to do. You do not have to figure it out alone.
Mountain Strong is rolling out a new digital experience for our clients. Every client gets their own service plan page. A way to stay connected, informed, and up to date, both during and in between our meetings. Meeting you where you are, with the year's activities, conversations, coverage, and compliance in one place. Visible to both sides. Honest about status.
A 0 – 100 score that blends activity progress, compliance currency, coverage gaps, and resources reviewed. Weighted so the things that hurt clients most hurt the score most. No charts to decode.
Twelve to twenty named activities a year, each with an owner, a due window, and a status. You can point at the work, not just the meetings.
Retirement, tax, estate, insurance, investments, risk, family, continuity, twelve coverage pillars with honest red, amber, and green. Click any tile to see what is on file, what is in progress, and what to do about gaps.
What we covered, what we agreed, what is coming next. No more "remind me where we left off."
Every form and signature gathered in one place and kept current, so the whole relationship runs on transparency and accountability. You always know what is done, what is outstanding, and when it is due.
Information, insights, instructions, and tools aligned with your interests, life stages, and circumstances. Words we know can make a difference.
A life change, a question, a concern. A place for you to instantly connect with us the moment it matters, without waiting for the next meeting.
Email Joe by name, call the office, or book a meeting. No contact forms.
The first cohort of client service pages goes live in summer 2026. Existing clients can request a preview and a setup conversation now, Joe will get back to you personally.
We get to know our clients as people. We remember what matters to you. We keep notes on your family, your goals, and the conversations we have had. When you call, we know who you are. When life gets complicated, we show up.
That is the kind of relationship we are here to build, and it only gets stronger the more connected we stay.
Pick whichever is easiest. There is no wrong door.