We specialize in estate planning and risk management for business owners. We also sell educational insurance for children, Registered Retirement Savings Plans for all ages, Critical Illness insurance for children and adults, disability insurance for working young women and men.However, we are now trying to educate our mature clients to prepare themselves in their golden years as to where they are going to spend their last days - public institutions (nursing homes), or in your home where loved ones will be with you and being paid by your insurance dollars.