Harvest Moon Insurance

Services Offered By Terry Bialek

We have the expertise to help you determine which of the characteristics are most important to your specific need for complete estate planning. We have provided you with the TEN STAR Term Quoter, to demonstrate to you that we are committed to providing you with the most competitive life insurance products available in the market.

Maximizing Your Investment Return

Risk
Correlation
Diversification
Modern portfolio theory
Sector funds
RRSP

Financial Planning For Your Future

Strategies for the young middle class married couple with a mortgage and young children

Increasing Your Retirement Income

Strategies for mature middle class individuals

Retirement Planning for the Professional

Strategies for a professional including retirement planning and reducing litigation exposures

Wealth Transfer

Strategy for people approaching retirement within 10 years
People who have already retired
How to pass assets down to the next generation
Increase retirement income

Charitable Giving

Innovative charitable giving with examples

Hazards of Critical Illness

Explains the coverage and the financial impact of suffering a critical illness such as a heart attack.

D.I.W.C. Carve Out

Provides a solution for the business owner covering the risk of disability.

Estate Freeze

Explains exposures and provides solutions for the family business
Passing the business to the next generation using an estate freeze

Mysteries of Buy Sell Insurance

Explains exposures and provides solutions for businesses in the start up stage to businesses which are making substantial profits.
Explains the importance of grand fathering the "stop loss" rules

Retirement Compensation Arrangements

Strategy to save tax and enhance owner's retirement income.