Shannon Lerner - Insurance Advisor

06/27/2025

It's almost time! With the beneficiary being our local cancer treatment center, and the team being a group of fun people with big hearts, this is one of my favorite fundraisers to be involved with 🥰

See comments for details👍

06/24/2025

1 in 10 q***r adults are parents who live with at least one child under the age of 12.

Will you let the courts decide who will raise your children if you die prematurely?

Make a will.
Keep it up-to-date.

Contact your legal advisor for more information.

Source: https://www150.statcan.gc.ca/n1/pub/11-627-m/11-627-m2024046-eng.htm

06/21/2025

Today is National Indigenous Peoples Day.

The Truth and Reconciliation Commission of Canada’s Call to Action 92 urges Canada’s corporate sector to adopt the United Nations Declaration on the Rights of Indigenous Peoples as a reconciliation framework.
This includes:
• meaningful consultation and consent for development
• employment opportunities and long-term benefits for Indigenous people
• training for management and staff on the history of Indigenous people in Canada

To apply CTA 92 in my business, I use funds with responsible investing mandates when possible.

I review commentary from fund managers about how UNDRIP (UN Declaration of Rights of Indigenous Peoples) principles have been applied to their portfolios.

If I see negative news articles about companies included in a fund, I ask the management team to justify their inclusion.

There are several approaches to responsible investing strategy, and they all have a place. For example:
• Investing in specific businesses and projects mandated to make an impact
• Only investing in companies that demonstrate commitment to responsibility
• As a significant shareholder, ask management to make meaningful improvements
• Invest in the “best in class” to gently encourage changes in policy across all companies in an industry

06/20/2025

Not only is June Pride month, it is also National Indigenous History Month. And tomorrow is National Indigenous Peoples Day.

Did you know that 10% of trans and non-binary youth in Ontario are Indigenous?

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Lack-of-LGBTQ2-Data.pdf

06/16/2025

62% - The number of trans people who feel comfortable coming out to their doctors. 23% say their doctor doesn’t know how to provide trans-related healthcare.

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Long-term-health-effects.pdf

06/13/2025

Financial tip of the day: Be aware of your cash flow

Knowing exactly how much money you have coming in and going out each month can help you make better financial decisions and avoid overspending.

06/10/2025

$8,000
Gay men generally earn $8,000 to $12,000 less than heterosexual men

Source:https://ourspectrum.com/wp-content/uploads/2021/07/Workplace-discrimination.pdf

06/04/2025

Did you know? Common-law relationships are NOT recognized by estate law in Ontario. (Neither are polycules!)

Q***r folks are disproportionately affected by estate law:
50% of q***r spouses live in a common-law relationship vs 30% of straight spouses.

Contrary to what many think, in the absence of a will a common-law spouse does NOT automatically inherit their spouse’s estate like a married spouse does.

In the absence of a will, the executor, heirs and guardians for dependents are determined by the courts. And that may not be who you want.

This means that if one of you dies, the other could be left without financial protection, unless you have provided for this possibility.

Make a will.
Keep it up-to-date.

Common-law partners should have legal wills that list how they want their estate handled if they die prematurely and who they want to be responsible for raising any minor children and other dependents they have.

Contact your legal advisor for more information.

Source: https://www150.statcan.gc.ca/n1/pub/11-627-m/11-627-m2024046-eng.htm

06/01/2025

71₵

For every dollar earned by a straight person in Canada, a gay or le***an person earns 91¢ and a bisexual person earns 71¢

Source: https://www150.statcan.gc.ca/n1/pub/89-28-0001/2022001/article/00003-eng.htm

05/30/2025

Financial tip of the day

Buy life and health insurance

When facing illness, disability or premature death, insurance is the best tool for keeping your retirement and other savings goals on track. Savings can be drained faster than it took to build them, leaving you – or loved ones – without enough to maintain your lifestyle.

05/28/2025

4 common life insurance myths… and one truth, too!

I’m too young for life insurance
❎False!
Life insurance is available from birth and rates are often better for people who are younger.

Life insurance is expensive
❎ False!
Life insurance is affordable, even for families watching every penny. A plan can be built taking your cash flow into account.

Single people don’t need life insurance
❎ False!
The earlier you get insurance the better. In the future, someone may rely on you financially and it’s less expensive to get insurance when you are still young and healthy.

My coverage at work is enough
❎ False!
Plans at work typically replace only a year or two of income. Most people need more than that to secure their children and spouses’ future.

Today’s a great day to apply
✅ True!
You’re as young today as you’ll ever be, and health can turn on a dime.

Let’s chat! Get in touch to learn more.

05/25/2025

Live at Home Longer!

Do you want to know how to live independently for as long as possible? Discover how to age in place with confidence. Join us for an informative hour of practical strategies to stay safe, independent, and financially secure in the comfort of your own home.

Tues June 3 at either 2 pm or 7 pm
Trinity United Church 400 Stevenson St N Guelph.

Call now. Seating is limited.

RSVP: Eleanor 519-221-3531
or on Eventbrite
2 pm: https://www.eventbrite.ca/e/live-at-home-longer-tickets-1348390415029
7 pm: https://www.eventbrite.ca/e/live-at-home-longer-tickets-1348403012709