If you are a single/divorced adult ...


Retirement planning is just as important for you as for a married person. Learn about financial planning in general,

If you are without kids, your interest in life insurance may be limited, or none, since you may not have the responsibilities someone with a spouse and/or children has. Still, you might find some of the arguments for having life insurance worthwhile to consider. True, life insurance is first and foremost for the protection of surviving dependents, but there are also additional functions and applications that might be of interest to you.

If you have kids, considering life insurance is probably even more important than for someone who raises those kids with a spouse. Also, ensuring that your children get good education can be an even more serious challenge than for someone with a spouse. You should definitely be aware of the features of RESPs, and possibly invest in them at least the amount that triggers the maximum available government grant.

Whether you have kids or not, protecting yourself from the consequences of injuries and illnesses is very important; you may have a great, supportive circle of family and friends, ... but their support is probably not endless, and you may not even really want to rely on that. Anyhow, your fallback position is probably significantly weaker than of someone with a spouse. You should know about the wide availability of individually owned health, disability, critical illness, and long term care insurance, and the limitations of group policies from the workplace.











Top page (on personal financial planning) ...

Comprehensive map

Who am I? ----   Contact info.

What do I offer?

Key areas:

Life and health insurance (including disability, critical illness, and long-term care protection)

Retirement plans

Education plans..

Socially responsible / green / ethical investing

Estate planning

If you are / have ...


Financial Calculators

Download CD-ROM demo ...

Frequently Asked Questions

These web pages are for information purposes only. The information contained and presented, while based on and obtained from sources we believe to be reliable, is not guaranteed either as to its accuracy or completeness. The content of these web pages is solely the work of the author, Laszlo Kramar.

The views (including any recommendations) expressed on these pages are those of the author alone, and they have not been approved by anybody. Neither the information nor any opinion expressed herein constitutes an offer, or an invitation to make an offer, to buy or sell any product discussed or referred to in these web sites. These web pages are for educational purposes only and are not intended for use by residents of the United Sates; nor are they intended as an offer or solicitation in any jurisdiction outside of Ontario, Canada. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently and past performance may not be repeated.

(c) Copyright 1997-2006 László Kramár. All Rights Reserved.