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WHAT WE DO...
" UTILIZE Creative Ideas AND Tax effective Strategies,
TO PROVIDE
Consultancy & Financial Services
THAT PROMOTE THE
Creation AND Preservation of Wealth"
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...beyond conventional wisdom, lies opportunity....
CORPORATE
We are a financial services business started in 1990. We provide financial services and product placement in the areas of group insurance, group RRSP, group mortgages, individual insurance, as well as information, and strategic planning. We conduct our business from our main office in Burlington. We also make office or house calls. We are a long term relationship organization and we value our relationships.
COMPETENCE, COMPLIANCE & DISCLOSURES:
Creative Solutions Insurance Agency Ltd., hereinafter called the Firm, is a Canadian firm incorporated and licensed in the province of Ontario, Canada . This license also allows us to place any and all money products offered by life insurance companies, like GICs and Segregated Fund products.
In addition, when circumstances so dictate, we can facilitate the placement of insurance policies, for life, critical illness, long term care, disabilty, travel health, major medical, health and dental protection.
We also have strategic alliances with banks an trust companies to facilitate mortgages, investment and RRSP loans, GICs and similar banking products.
We are a long time member of ADVOCIS, The Financial Advisors Association of Canada.
THE TEAM
STEVE M. SZENASI, Pres, Creative Solutions Insurance Agency Ltd.
Steve Szenasi, hereinafter called Steve or Advisor,He brings 40+ years of practical business experience to bear in advising clients in their strategic planning in striving for financial security. He has a wide perspective. He worked in the corporate world, helping design and market some of the very products he now makes available to clients. He has run two small businesses and has worked with many others. He understands the needs and culture of medium and small business and the entrepreneurial spirit it takes to make it work.
Life & Health Insurance Risk Appraiser Received his professional training as a Qualified Life & Health Risk Appraiser so he has a working knowledge of how the assessment and risk placement process works giving us a unique ability to help place difficult medical & financial risk for life & health insurance.
KATINVAL Consulting Inc.
Linda Szenasi, President, Katinval Consulting Inc.
KTV provides fee for service support to other financial planners and financial services account associates with technical support services in structuring and negotiating more complex financial/benefit programs. KTV also provides other services to the business community at large. KTV provides administrative support services to Creative Solutions Insurance Agencies Ltd. Linda Szenasi, is hereinafter called Linda or Administrator.
MARKET FOCUS
| 1) Business Focus:
Group Insurance
Executive Perques
Group RRSP
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Employee benefits through our Perks program
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- Group Insurance, Pensions,
- Group RRSP, Retirement Counseling
- Buy Sell Agreement Funding,
- Collateral Insurance Protection,
- Key Man Coverage
- Executive Compensations
- Split Dollar Plans &
Retirement Planning.
Employer strategic planning techniques through
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| 2) Individual Focus:
Mature Market (Boomers)
Estate Planning
GLIC
Retirement Income Plans
Pre-Paid Capital Gains Tax Account
"No Medical" Life Insurance
Travel Health
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- Retirement Savings & Investment Programming;
- Mortgage referrals service;
- Annuities,
- RRSPs; GICs,
- Seg & Mutual Funds
- Retirement Income Program Design:
- RRIFs,
- Prescribed Annuities, GLICs, SWAPs etc.
- Testamentary Gift Tax Funding Programs,
- Estate Tax and RRIF Tax Funding Programs;
- Charitable Gifts
Estate Planning;
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| 3) Affinity & Association
Tailored Insurance &
Financial Packages
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a) Association & Affinity Group Insurance & Benefit Packaging with a view to bring
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- Closer Affinity between Association and members
- Provide value through volume purchase
Create fund raising mechanisms for organization.
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Licensing:
Steve Szenasi hereinafter called Steve or the Advisor and Creative Solutions Insurance Agency Ltd., hereinafter call the Firm, are licensed for Accident and Sickness and Life in the Province of Ontario.
Parties: The Firm and the Advisor offer their services to residents of Ontario.
The Firm and The Advisor have a contractual relationship with the following Insurers, and other Financial Services firms
Insurance, Annuity and Financial Services Partners
| BMO LIFE |
BLUE CROSS |
CANADA LIFE |
MANULIFE |
GREAT WEST LIFE |
| UNITY LIFE |
FORESTERS |
LS MUTUAL |
RBC LIFE |
TRANSAMERICA |
| DESJARDINS |
STANDARD |
RELIABLE |
SUN LIFE |
INDUSTRIAL ALLIANCE |
| MRS TRUST |
MANUBANK |
NATIONAL BANK |
B2B TRUST |
TD CANADA TRUST |
COPOLOFF
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BENECAID
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Contracting with additional companies is available to us, as required for specific client needs.
When placing a financial product, insurance, annuity, investment product, the Firm and its Advisor, receives compensation in the form of commissions, but may also be eligible for additional compensation, such as bonuses, or non-monetary benefits, such as travel incentives, depending on various factors such as the volume or persistency of business that I place with a particular company during a given time period. If a client and the firm agree fee for services may also be charged.
Confidentiality: During the course of the relationship, it will be necessary for the client to provide a variety of very personal financial information. The quality of the work undertaken on behalf of the client requires this personal information be accurate and complete. The Firm commits that all information will be held in strictest confidence and that no information shall be divulged about the client’s personal situation to any outside organization or government agency without the client’s prior consent, unless as may be required by law. It is further understood that in accordance with the Personal Information Protection and Electronic Documents Act (PIPEDA), the client directly authorizes and instructs the Firm to maintain information of a personal and private nature that could reasonably be considered pertinent or necessary in the provision of financial advice until such time as requested by the client in writing to destroy such information.
Disclosure: The Firm agrees to notify the client of any and all existing or perceived conflicts of interests, if and when they arise, as they may relate to any recommendations made regarding transactions, prior to or at the time of making such recommendations.
Should you require additional information about my qualifications or the nature of my business relationships, I would be pleased to assist you.~
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About Us *