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Welcome to 9dots99.com the official website of Creative Solutions Insurance Agency Ltd. 

We are dedicated to serving Ontario Residents through Financial Services. Most people strive for three major aspirations in life. Spiritual, Emotional and Financial comfort. If we think about it,  ALL three are, like a pretzel, a basket weave of inter-connection and interdependence. Creative Solutions Insurance Agency, [CSIA] a financial services organization, is focused on the financial strand  of this interconnection. Financial comfort begets emotional comfort. Emotional and spiritual comfort permits rational pursuit of financial comfort.

What we have found in the past 40 years in working with clients and their circumstances is that a common element exists. While every client circumstance and situation is invariably different, a common set of elements exist.

Many clients, in dealing with their financial well being
  • Don't realize that a problem exists or will emerge if pursuing a given path;
  • Don't realize the magnitude of a given problem, and thus
  • Have no solution to remedy or control the problem.
  • Are not aware of the solution options available, nor which is the most effective.

CSIA role in helping develop a strategy is six fold:

  1. help to identify, bring into focus and prioritize client's life aspirations
  2. quantify, and timeline client  goals
  3. identify, quantify and explain financial issues
  4. help clients develop a strategy that helps to bring to fruition their life aspirations.
  5. Assist in Risk Management
  6. intermediate the implementation of action steps of a given strategy.

A large portion of our clients are families and small business owners. Our principal focus with clients is:

  • Risk Management & Financial Protection

Protect the family and business from the loss or interrruption of income created by unforseen health issues. Many things in life are a risk. Some risks are minor, some are potentially catastrophic.

We help clients with identifying, quantifying and managing the risk to their comfort level.

  • Retirement Saving

Most of our clients persue several life goals and work hard to provide the necessary funds to realize those life goals. One of the most common is the accumulation of sufficient funds during the income generating years to provide for the "golden years" where "spending"  replaces "saving". Tax Free Savings Account, RRSP are two tax favoured programs that can be used to invest in segregated funds or alternatively in Universal life programs.

We help clients develop and implement strategies that helps them in fulfilling those savings goals.

  • Retirement Income

Having reached the phase of life that changes the emphasis from saving to spending.

We assist clients in making the "nest egg" stretch as far as it needs to. Programs like RRSP can be converted to RRIFs, Privatized Pension funds can be built into manageable portfolios under locked in RRIFs. Likewise for unregistered funds, prescribed annuities can be set up to take advantage of a tax favoured structure of systematic life time income. GMWB structures under segregated funds can also guarantee a lifetime income base.

  • Estate Preservation

Often, decades of maticulous and legitimate tax avoidance techniques, like gas expense deduction claims, help maximize the after tax accumulation of retirement funds. Deligent RRSP plan contributions create more tax deferral allowing for greater investment accumulations. Tax effective  investment strategies further the tax effective accumulations for retirement. After all that lifelong, deligent and often obsessive tax management, most clients still believe that they have paid their fair share of the tax bill and further taxation is unjustified. Clients perceive that unconsumed assets, at the end of their life, will be left to beneficiaries of their choosing and most don't include CCRA as a benefactor. Yet in most instances, CCRA does don't forgive taxes due. CCRA allows tax deferral, not tax dismissal. The deferrals usually come in a small incremental measure year over year. When the deferral stops and becomes due, its usually massive. Where does the funds come from to pay the tax? Well in the absense of pre-planning, it comes from the assets of the estate, deminishing significantly the sums destined to intended beneficiaries. Permanent Life insurance like whole life and Universal Life of [UL] can be used to maximize the value of one's estate.

We assist in estate preservation stategies that finance estate obligations like tax liabilities, debt obligations, final expenses etc.~


 Get in Touch... Help us help you acgieve your aspirations.



" UTILIZE Creative Ideas AND Tax effective Strategies,
Consultancy & Financial Services
Creation AND Preservation of Wealth"


...beyond conventional wisdom, lies opportunity....


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.


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.



STEVE M. SZENASI, Pres, Creative Solutions Insurance Agency Ltd.

Steve Szenasi, hereinafter called Steve or Advisor. He brings 50+ 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.



1) Business Focus:

Group Insurance

Executive Perques

Group RRSP
Employee benefits through our Perks program
      • 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
2) Individual Focus:

Mature Market (Boomers)

Estate Planning 
Retirement Income Plans 
Pre-Paid Capital Gains Tax Account 
"No Medical" Life Insurance 
Travel Health
    • Mortgage referrals service;
    • Annuities,
    • RRSPs; GICs,
    • Seg Funds management
    • Retirement Income Program Design:
    • RRIFs,
    • Prescribed Annuities, GLICs, SWAPs etc.
      • Testamentary Gift Tax Funding Programs,
      • Estate Tax and RRIF T
      • Retirement Savings & Investment Programming;
      • ax Funding Programs;
      • Charitable Gifts
      • Succession Strategies;
3) Affinity & Association

Tailored  Insurance &  
Financial Packages

a) Association & Affinity Group Insurance & Benefit Packaging with a view to bring
    • Closer Affinity between Association and members
    • Provide value through volume purchase 
      Create fund raising mechanisms for organization.




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 relationship with the following Insurers, and other Financial Services firms

Companies we partner with to provide product and service to our clients and customers:












COMPENSATION: 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.



Our practice focuses on the professional and small business entrepreneur and his or her business and family. Our primary focus is to work with these clients in helping them formulate, implement and maintain a strategic financial cacoon for the business and family throughout its life cycle to facilitate the fulfillment of the stated objectives at every phase. We use 50 years of life experience in the financial services industry and employ risk management techniques, saving and investment strategies as well as intermediary services to facilitate the acquisition of financial services products necessary for the fulfillment of the strategic elements. We position ourselves as long term partners of our clients in seeing their goals materialize.  


The Origins of "9dots99" as our website name.

The "9dots"

Watch the Video for a detailed explanation.

This was the genesis for our firm's tag line... 

...beyond conventional wisdom, lies opportunity....

The "99"

We have a battery of at least 99 Creative Solutions with which to address clients' financial challenges and often we look outside the box to find the right solution.

While the center of our Universe is Burlington, Ontario, our service territory is typically the GTA and the Niagara Peninsula, we are licensed to provide service  anywhere is  Ontario, Canada.

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