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Life Insurance - Critical Illness Insurance - Disability Insurance - Long Term Care Insurance - Mutual Funds (sold through Investment Planning Counsel) - RRSPs, RRIFs, Annuities - GICs -Term Deposits - Group Insurance & Benefits - Group RRSPs & Investments - Business Insurance - Financial Needs Analysis - Review of Individual and Group Insurance Portfolios - Retirement Planning - Estate Planning - Health & Dental Coverage - Travel Insurance.

We provide advice, develop solutions and implement action plans to address issues for our clients in the areas of financial, retirement and estate planning.

Oracle Financial Services specializes in severance and early retirement situations.

Oracle Financial Services offers a comprehensive range of products that meet the diverse financial needs of our clientele whether it be asset protection, wealth accumulation or risk management. As our clients' needs change over the course of their lives, Oracle Financial Services continues to provide our clients with financial insight and peace of mind.

Each plan is unique, based upon individual needs, objectives and risk tolerance. These plans frequently require the placement of insurance, annuities and investment products, in order to be properly implemented.

We understand that our clients have many options and choices available in today´s marketplace. We also understand that our clients must be confident that they receive excellent advice. Tax regulation and policy changes in the insurance and mutual fund industries are frequent in Canada. We remain current in these important areas and are committed to continuous professional development.

A few words about risk are warranted. We are conservative. This view is reflected in our advice. Our clients expect their capital to be protected, while maintaining a competitive return on their investments. We quantify our clients´ risk exposure and implement solutions based upon their risk tolerance and their expectations regarding returns on their investments.

We invest in independent research and we pay attention to economic and social science trends, including poll results concerning Canadian health issues.

We believe that knowledge in these areas helps us to better understand our clients´ needs and assists us in providing objective and informed advice.

We build long term relationships with our clients to ensure that their plan reflects their needs over time. This document summarizes our approach.