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We can recommend and provide you with the right product for any need - whether it is for a short-term or a lifetime. From mortgage and debt protection, to estate creation or preservation, to pension maximization.  >>

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Securing your Financial Future

...the Easy Way!


Life is good... you've done everything right.

Now, when times are good, is the time to safeguard your future, because as good as life is, it's still so unpredictable.  Accidents continue to happen.  Many terminal illnesses are on the rise.  Prescriptions are costly and aren't always covered.  Medical advances ensure a longer life at a time that our aging population is placing a strain on our government resources.

​Ask yourself the important question: "What have I done to ensure my financial security and that of my loved ones?"

You've come to the right place. 
Carolyn Melnychuk is here to help by assessing your needs and providing you with the tools to achieve peace of mind for you & the ones you care about the most.

I invite you to view my Client Testimonials!

Recovering from an accident or critical illness can be tough on you and your family, both emotionally and financially.  We can provide an affordable solution that will cover the cost of living and health care, as well as protect your assets.  >>

Ensure a worry-free retirement by putting in place a guaranteed income stream that is safe from market exposure.  Or take advantage of tax credits and deductions through a charitable bequest.  >>