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For parents and caregivers
What will hold their future together when you’re no longer able to?
You have spent your life protecting your child, advocating for them and planning for their needs. If one day you are no longer able to, will there be enough financial support to provide the care, stability and quality of life you want for them?
The greatest gift you can give your child is a solid plan.
A plan answers the questions that keep you awake
Who pays for their care
Income that continues after you, sized to the level of support they actually need.
Protecting their benefits
Structuring money so provincial disability support programs are not put at risk.
Who decides, and when
Trustees, wills and clear instructions so no one is guessing during a crisis.
Don’t wait for a crisis
Every month without a plan, their future rests on you alone
Most families mean to get to it — then life gets busy. One 30-minute conversation sets the plan in motion, so the people you love are never left guessing.
No cost. No obligation. Just clarity.
Pick a time to talk
A 30-minute conversation with an expert team member. No cost, no obligation.
Proudly serving clients across Alberta, Ontario, New Brunswick and British Columbia — the provinces where we are licensed to help you plan.
Your planning partner
Cardeen Williams, CPA, MBA
Wealth Strategist
Cardeen is a licensed Independent Insurance Broker who helps parents and caregivers of individuals with disabilities build financial plans that work alongside provincial disability support programs and other benefits — so the support you put in place lasts as long as your family needs it to. Her CPA and MBA expertise come into play on complex cases, letting her collaborate easily with your other advisors — lawyers, accountants — to coordinate one comprehensive plan.
Planning that speaks your language
We work with the tools your family actually needs
Every conversation is grounded in the programs and strategies that matter most to parents of a child with a disability.
- Disability Tax Credit (DTC)
- Registered Disability Savings Plan (RDSP)
- Henson & discretionary trusts
- Provincial disability support programs
- Wills & estate planning
- Choosing trustees & guardians
- Lifetime care & housing costs
- Life insurance for caregivers
- Canada Disability Savings Grants & Bonds
Not sure which of these apply to your family? That’s exactly what the call is for.