H&M Financial Blog

Severance, Early Retirement, Voluntary Departure – What Next?

In today’s economic environment, severance and early retirement programs are becoming commonplace. Whether you are employed in either the private or public sector, it seems that no one is safe from downsizing, or becoming “redundant,” as companies and provincial governments struggle to meet the demands for profitability and budget constraints.

If you are offered a termination incentive or severance package, what […]

Protect Your Family – Not Your Lender

Mortgage Insurance

Protect your home and your family – not the lender

Most lending institutions offer you insurance when you apply for a mortgage, personal loan, or line of credit.

This type of insurance is most commonly known as “mortgage insurance.”

Mortgage insurance is actually group term insurance that is used to pay off a large debt in the event of a group […]