Structured Settlements

A structured settlement is a payment to an individual for injury or death. They are approved by CCRA to be tax free income to the recipient. Funds are protected from creditors, cannot be assigned, commuted or transferred so that the income stream is available for life. Clients need to deal with “approved” advisors in order to get access to the special quotes provided by insurers. We are happy to help anyone who may be in need of this service.

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Cindy is the Top Individual Fundraiser for JDRF Ride to Defeat Diabetes!

Personally being diagnosed with type 1 diabetes (T1D), I’ll do anything in my power to help find a cure so that young people do not have to deal with this very serious disease. I’m so proud to announce that I have been named the top individual fundraiser for this year’s event! In addition to the $5,855.50 I personally raised, Raymond  James Canada Foundation will also be donating $5,000 on my behalf, which brings the total to $10,855.50!

Thank you all for your support!

About This Event

The 2017 Juvenile Diabetes Research Foundation (JDRF) Revolution Ride to Defeat Diabetes is a high-energy stationary cycling event. This event supports funding towards crucial research into cures, better treatments for, and prevention of type 1 diabetes (T1D).

26th CALU Annual General Meeting (AGM)

One of the key highlights of CALU membership is the opportunity to attend the annual meeting, held each May in Ottawa. Regularly attended by more than 400 CALU members, main platform and workshop sessions feature top Canadian and international subject-matter experts who provide updates on the application and marketing of financial products and services in such areas as Risk Management, Investment Strategies, Employee Benefits, Executive Compensation, Retirement Planning, Charitable Giving, Succession Planning, Business Continuity, Estate Planning and Personal Financial Planning. Particular emphasis is placed on legislative and public policy issues with Members of Parliament, Senators, Cabinet Ministers and government department officials invited to speak on issues of current importance and to mingle with CALU members at the annual Parliamentary Reception.

The 2018 AGM, Chaired by Marty McConnell, will be held Sunday, May 6 to Wednesday, May 9, 2018 at the Westin Ottawa.


Cindy with keynote speaker, Canadian Astronaut Julie Payette.


Cindy with Geoff Regan, member of parliament for Halifax West.


Cindy with Terry Zive & Lisa Raitt, Conservative Party Member of Parliament for the Ontario riding of Milton.


Update on the Genetic Testing Bill

In case you haven’t heard, the Genetic Testing Bill has been passed by the House of Commons. However, the federal government subsequently announced its plans to refer the Bill to the Supreme Court of Canada (SCC) to determine if it is constitutional. A ruling by the SCC on this issue is expected to take a year or longer, and the Bill may not receive Royal Assent in the interim. If the Bill is found to be unconstitutional the federal government will likely engage in discussions with the provincial governments on how to deal with genetic discrimination.

Click here for more details.

Small Biz Advisor – Financial wellness programs work best on a one-on-one basis

Well-meaning companies spend a lot of time, money and effort on employee wellness programs. But counting calories, climbing stairs or chanting can be a challenge for people psyched about money matters. For a happier, healthier and more engaged workforce, employers need to acknowledge and address the connection between financial and overall wellbeing.

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Cindy currently at the CALU Board of Directors Meeting in Ottawa

About the Conference for Advanced Life Underwriting (CALU)


CALU Vision

Leadership in advocacy and innovative advanced planning solutions.

CALU Mission

CALU educates and mentors members and influences government tax policy and legislation for the benefit of its members and their clients.


Click here for some facts about CALU. Read FORUM Magazine’s article highlighting CALU’s 25th anniversary to find out how CALU established itself as a powerful voice for Canadian life insurance agents and their clients.