Scott Williams - Sun Life Financial advisor

Scott Williams - Sun Life Financial advisor I will work closely with you to fully understand your specific situation and goals. Based on your needs, I’ll help you make informed financial choices to build your savings and protect what you save against unexpected events.

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Canada’s new mortgage stress test rules are going to make purchasing homes a bit harder for first-time homebuyers. The n...
05/27/2021
OSFI moves ahead with tighter uninsured mortgage stress test - BNN Bloomberg

Canada’s new mortgage stress test rules are going to make purchasing homes a bit harder for first-time homebuyers. The new rules are set to take effect June 1st. The rules will increase the minimum qualifying rate that insured mortgages need to qualify on. How will this affect you? It can reduce the total mortgage amount you can afford. To learn more, reach out to your mortgage agent.

Canada’s banking watchdog is confirming it will apply tighter rules to the so-called mortgage stress test, effective June 1.

This year we’ve had a lot of time to reflect on what’s important. When it comes to spending your #money, where do you se...
05/27/2021
Pattie Lovett-Reid: Saving never goes out of style

This year we’ve had a lot of time to reflect on what’s important. When it comes to spending your #money, where do you see your hard-earned dollars going: Life experiences or online shopping?

What will many Canadians do with their cash stockpiles that have accumulated amid the COVID-19 pandemic? CTV Chief Financial Commentator Pattie Lovett-Reid says targeting the spending is the first step.

Don't forget to grab your mask when heading out the door! Continue to protect yourself and others by wearing your #mask ...
05/26/2021
When and how to wear face masks

Don't forget to grab your mask when heading out the door! Continue to protect yourself and others by wearing your #mask in public spaces. Check out this article to learn all things masks. #LuminoHealthy

Wearing a face mask in public is now a recommendation from public health officials, and is now mandatory in some places. When and where should you wear one, and how? Here’s some information that may be useful.

How do you react in an emergency? Do you freeze, or find that your mind goes blank? Neither of those responses will help...
05/25/2021
How to Think More Effectively During a Crisis

How do you react in an emergency? Do you freeze, or find that your mind goes blank? Neither of those responses will help you or your team, but they can be minimized or prevented altogether with preparation and planning. Here’s how.

Shift your thoughts so you can move into the future with more clarity, confidence and control.

Underwriting, premiums, and annuity- terms like these can make #insurance words sound like a foreign language.  Here are...
05/24/2021
Is supplemental health worth buying?

Underwriting, premiums, and annuity- terms like these can make #insurance words sound like a foreign language. Here are 16 of the most common misunderstood words in the insurance world. Looking for help or information? I can help. Reach out to me today.

Would it be a good idea to buy more health insurance, on top of your provincial plan? Knowing how it works can help you decide.

As many of us are hunkered down in another lockdown, I want to reassure you that there is a light at the end of the tunn...
05/21/2021
How to socialize for the first time again after a year of isolation

As many of us are hunkered down in another lockdown, I want to reassure you that there is a light at the end of the tunnel. We’ll be able to see each other again, sit down in person for meals, coffee and gather for celebrations. Although that thought may make you feel a bit anxious, it’s completely normal. Here’s an article on how to socialize for the first time again after a year of isolation.

After a long time in 'lockdown', Jane Webber, an assistant professor of counsellor education and doctoral program coordinator at Kean University in New Jersey, explains how you can prepare yourself as you reemerge into the world as a social being.

What are 3 financial trends we can chalk up to the coronavirus pandemic? Cashless payments, supporting local and saving ...
05/20/2021
Millennial Money: 3 ways COVID-19 reshuffled our finances - BNN Bloomberg

What are 3 financial trends we can chalk up to the coronavirus pandemic? Cashless payments, supporting local and saving money. What changes have you found yourself making since the pandemic hit?

Less acute is the way the coronavirus has influenced how we interact with money, both physically and philosophically. People are being more intentional about how they spend their money, learning what they can do without (sometimes the hard way) and forgoing cash in favour of more contactless payment...

When life changes, sometimes your insurance needs do too. I can help you figure out what life insurance is right for you...
05/14/2021

When life changes, sometimes your insurance needs do too. I can help you figure out what life insurance is right for you. Contact me today!

#insurance #security #healthneeds #legacy #buildforthefuture
#planforthefuture #smallbusiness

#financialcheckup #goals #lifesbrighterunderthesun #adviceforlife
#family #finance #personalfinance #retirement #SunLifeCA #money
#investing #tips #education #financial
#SunLifestrong #SunLifepride

When life changes, sometimes your insurance needs do too. I can help you figure out what life insurance is right for you. Contact me today!

#insurance #security #healthneeds #legacy #buildforthefuture
#planforthefuture #smallbusiness

#financialcheckup #goals #lifesbrighterunderthesun #adviceforlife
#family #finance #personalfinance #retirement #SunLifeCA #money
#investing #tips #education #financial
#SunLifestrong #SunLifepride

Did you know that you could spend as many years retired as you did working? That’s a long time to cover expenses and hav...
05/14/2021
How do employee pension plans work?

Did you know that you could spend as many years retired as you did working? That’s a long time to cover expenses and have money to pay for your #retirement dreams. So what is something you can do right now to make saving for your retirement easier? If offered, participate in a workplace pension plan. It’s one of the greatest financial benefits in Canada. #pension #planningforthefuture

Defined benefit, defined contribution, group registered retirement savings plan — the list goes on. Here’s what you need to know.

During challenging times, taking steps to manage your mental health can go a long way. Mental health apps are helping pe...
05/14/2021

During challenging times, taking steps to manage your mental health can go a long way. Mental health apps are helping people meditate, track their moods and banish negative thoughts. We’ve rounded up seven of the mental health apps and websites that could help you. Learn more and get special discounts here: http://bit.ly/2Lumino1

Anxiety Canada
Canadian Mental Health Association, Ontario
My Viva Inc.
MyLife
Snapclarity
MindBeacon

During challenging times, taking steps to manage your mental health can go a long way. Mental health apps are helping people meditate, track their moods and banish negative thoughts. We’ve rounded up seven of the mental health apps and websites that could help you. Learn more and get special discounts here: http://bit.ly/2Lumino1

Anxiety Canada
Canadian Mental Health Association, Ontario
My Viva Inc.
MyLife
Snapclarity
MindBeacon

It's Mental Health Awareness Month and this year's focus is about expressing and dealing with emotions. Lumino Health cr...
05/13/2021

It's Mental Health Awareness Month and this year's focus is about expressing and dealing with emotions. Lumino Health created an Emotional Wellness Guide to help us improve our mood and navigate our feelings. Find #tips, information and resources from mental health experts to help you on your journey to a happier and healthier you. Visit their guide here: http://bit.ly/LHEmotionalWellness #MentalHealth

It's Mental Health Awareness Month and this year's focus is about expressing and dealing with emotions. Lumino Health created an Emotional Wellness Guide to help us improve our mood and navigate our feelings. Find #tips, information and resources from mental health experts to help you on your journey to a happier and healthier you. Visit their guide here: http://bit.ly/LHEmotionalWellness #MentalHealth

If a home renovation on your rental property is on your to-do list, you may want to make sure that it will add value to ...
05/12/2021
10 Remodeling Trends for 2021 That Will Add Value to Your Rental Property

If a home renovation on your rental property is on your to-do list, you may want to make sure that it will add value to the property. Otherwise, it may be #money down the drain. Remodeling a rental property is a great way to enhance its value, attract more and higher-paying renters. Check out this list of 10 remodeling trends popular this year. #rentalproperty

When it comes to home design, there are plenty of exciting ideas for 2021 — but some are better suited to a rental property than others. Whether you’re already lucky enough to already own a US vacation property (and you want to make the most of it) or you’re planning how you might update a …...

Sun Life recently announced a $100,000 donation to help provide essential care and supplies to support COVID-19 relief e...
05/10/2021
Sun Life donates $100,000 to support pandemic relief efforts in India

Sun Life recently announced a $100,000 donation to help provide essential care and supplies to support COVID-19 relief efforts in India. With 300,000 new infections per day, India has the highest count of COVID-19 cases than any other country. Our thoughts and prayers go out to those suffering from this pandemic. Learn more in Sun Life’s news release. http://bit.ly/SLFdonation #SunLifeStrong

Sun Life is donating $100,000 to support relief efforts in India for those affected by the devastating second wave of COVID-19. With over 300,000 new infections a day, India is experiencing the...

To the world, you're a mother but to our family, you're the absolute world. #HappyMothersDay #MothersDay
05/09/2021

To the world, you're a mother but to our family, you're the absolute world. #HappyMothersDay #MothersDay

To the world, you're a mother but to our family, you're the absolute world. #HappyMothersDay #MothersDay

Make home sweet home even sweeter. Enter for a chance to win $5,000 towards your next home project! Sign in to mysunlife...
05/07/2021

Make home sweet home even sweeter. Enter for a chance to win $5,000 towards your next home project! Sign in to mysunlife.ca and enter now. Check out the full contest rules: http://bit.ly/SpruceUpYourSpace

Make home sweet home even sweeter. Enter for a chance to win $5,000 towards your next home project! Sign in to mysunlife.ca and enter now. Check out the full contest rules: http://bit.ly/SpruceUpYourSpace

Every five years Canadians are invited to participate in the census to help paint a portrait of Canada’s diverse populat...
05/07/2021
Welcome to the 2021 Census

Every five years Canadians are invited to participate in the census to help paint a portrait of Canada’s diverse population and the places where we live. To complete the online questionnaire you should’ve received a letter or paper questionnaire with the 16-digital secure access code. To begin, click here.

The official website for Statistics Canada's 2021 Census. Complete your census today!

Are you a new parent, or a parent to-be? You’re likely wondering what to expect and what’s normal regarding newborns and...
05/06/2021

Are you a new parent, or a parent to-be?

You’re likely wondering what to expect and what’s normal regarding newborns and sleep. Lumino Health spoke with Angela Grant Buechner, a registered nurse, from Nutmeg Consulting – Expert Care for Birth, Babies & Breastfeeding to get some #tips to help you recharge in the early days. Learn more here: http://bit.ly/4newparent1. #LuminoHealthy

Are you a new parent, or a parent to-be?

You’re likely wondering what to expect and what’s normal regarding newborns and sleep. Lumino Health spoke with Angela Grant Buechner, a registered nurse, from Nutmeg Consulting – Expert Care for Birth, Babies & Breastfeeding to get some #tips to help you recharge in the early days. Learn more here: http://bit.ly/4newparent1. #LuminoHealthy

New homeowners! You've found your new house and they’ve accepted your offer. Now what? Here’s a list of what you need to...
05/05/2021
Buying a house: What happens after your offer is accepted?

New homeowners! You've found your new house and they’ve accepted your offer. Now what? Here’s a list of what you need to do before you get the keys and move in. #homeowner #newhome

You've found your new house and your offer was accepted. Now what? Here’s what you need to do before you get the keys and move in.

Permanent life insurance can help protect your loved ones from financial hardship if you’re no longer there to help supp...
05/04/2021

Permanent life insurance can help protect your loved ones from financial hardship if you’re no longer there to help support them. I can help you figure out if permanent life insurance is right for you. Want to learn more? Contact me today.

#insurance #security #healthneeds #planforthefuture #financialcheckup #goals

Permanent life insurance can help protect your loved ones from financial hardship if you’re no longer there to help support them. I can help you figure out if permanent life insurance is right for you. Want to learn more? Contact me today.

#insurance #security #healthneeds #planforthefuture #financialcheckup #goals

I’m here to help you protect what matters most to you. For long-term protection, permanent life insurance can offer life...
05/03/2021

I’m here to help you protect what matters most to you. For long-term protection, permanent life insurance can offer lifetime security with guaranteed premiums. I can help you figure out if permanent life insurance is right for you. Want to learn more? Reach out to me today by visiting my website to set-up an in-person or virtual appointment https://advisor.sunlife.ca/scott.williams/

I’m here to help you protect what matters most to you. For long-term protection, permanent life insurance can offer lifetime security with guaranteed premiums. I can help you figure out if permanent life insurance is right for you. Want to learn more? Reach out to me today by visiting my website to set-up an in-person or virtual appointment https://advisor.sunlife.ca/scott.williams/

04/30/2021
Canadian Life and Health Insurance Association - STATEMENTKnow the facts: Getting the vaccine will not affect your insurance coverage

There are claims going around on social media about the COVID vaccine and your insurance coverage. I want to put your mind at ease that these statements are incorrect. Receiving the vaccine will not affect individual or workplace life and health benefits or future coverage applications. For more information, the Canada Life and Health Insurance Association (CLHIA) shared this news release. #insurance #vaccine

CLHIA is a voluntary non-profit association with member companies accounting for 99 per cent of Canada’s life and health insurance business.

An unexpectedly strong global growth prediction of nearly 7% in 2021 means the Bank of Canada has begun cutting back on ...
04/29/2021
Strong Canadian economy means cost of borrowing is going up, and that could be trouble for some | CBC News

An unexpectedly strong global growth prediction of nearly 7% in 2021 means the Bank of Canada has begun cutting back on monetary stimulus. Governor Tiff Macklem is forecasting an end to rock-bottom rates in the second half of 2022. What could rising rates mean for and your financial portfolio? Let’s review. To book an appointment, simply visit my website and complete the contact form. https://advisor.sunlife.ca/scott.williams/

An unexpectedly strong global growth prediction of nearly 7 per cent in 2021 means the Bank of Canada has begun cutting back on monetary stimulus, with Tiff Macklem forecasting that the central bank's low, low rate will end in 2022 as the Canadian economy bounces back.

The first quarter of 2021 saw an increase in Canadian household debt-to-income ratio and a drop in unemployment. 40% of ...
04/28/2021
Q1 2021 market update: Has the economy started to recover?

The first quarter of 2021 saw an increase in Canadian household debt-to-income ratio and a drop in unemployment. 40% of small business believe it will be another year before they return to profitability. What can #investors expect this year for Canada and the rest of the world? Check out Sun Life's #economic outlook here.

Is an economic recovery on the horizon? See how the first quarter of 2021 is showing positive signs for the future.

#Spring is in the air, which means it’s time to start thinking about your garden! Gardening is not only fun, but it also...
04/27/2021
8 great health benefits of gardening

#Spring is in the air, which means it’s time to start thinking about your garden! Gardening is not only fun, but it also provides a number of great health benefits. Learn more on the 8 reasons why shoveling, planting and weeding are good hobbies in this Lumino Health article. #LuminoHealthy #May

Getting some dirt under your nails can be good for your health. Gardening gets you outside, physically active and it can even help you make new friends.

Did you know, some Canadians have Sun Life common shares and dividends waiting for them, and they don’t know about it? D...
04/26/2021

Did you know, some Canadians have Sun Life common shares and dividends waiting for them, and they don’t know about it? Do you know someone who was a Sun Life policyholder in January 27, 1998? We’ve been looking for you!

In 2000, Sun Life became a publicly traded company through a process called demutualization. While many policyholders collected the Sun Life common shares owed to them, some did not. We’re also looking for shareholders who have lost contact with us and are owed unclaimed dividends.

You or someone you know might be an eligible policyholder or shareholder. In as little as 90 seconds, you can use this online tool, www.VerifyMyEligibility.com/SunLife, to verify if you owed demutualization benefits or unclaimed dividends.

Did you know, some Canadians have Sun Life common shares and dividends waiting for them, and they don’t know about it? Do you know someone who was a Sun Life policyholder in January 27, 1998? We’ve been looking for you!

In 2000, Sun Life became a publicly traded company through a process called demutualization. While many policyholders collected the Sun Life common shares owed to them, some did not. We’re also looking for shareholders who have lost contact with us and are owed unclaimed dividends.

You or someone you know might be an eligible policyholder or shareholder. In as little as 90 seconds, you can use this online tool, www.VerifyMyEligibility.com/SunLife, to verify if you owed demutualization benefits or unclaimed dividends.

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707 East Main Street
Welland, ON
L3B 3Y5

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Life Insurance, Critical Illness Insurance, Medical and Dental Benefits.

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By understanding my clients needs, I am able to recommend a plan and coverage that will secure their investments and allow their loved ones to continue living the same lifestyle they are accustomed to.

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