About Us
Independent advisors committed to protecting your assets and helping you build lasting wealth with trusted guidance.
Who we are
At Safe Pacific, we craft personalized financial plans for success-driven Canadians, empowering them to use life insurance as a strategic financial tool. By protecting their greatest assets and helping them achieve lasting financial security, we give our clients peace of mind. We always act in their best interest—because their success is our mission, and their trust is why we love what we do.
The Safe Pacific Team
Safe Pacific’s dedicated, independent team of experts puts clients first, offering trusted, personalized financial guidance.
Check out our latest insights
Thoughts and insights, updated weekly.
Retire Tax-Free in Canada Using the Insured Retirement Plan
What if your RRSP isn't enough to retire comfortably? And what if there was a way to access tax-free cash flow in retirement—without market volatility,...
How Canadian Real Estate Investors Are Using Whole Life Insurance
What if you could unlock hundreds of thousands in capital—without selling a single property or applying for another mortgage? In this article, we'll explore How...
Use Corporate-Owned Life Insurance to Transfer Wealth Tax-Free
What if your estate faced a $500,000 tax bill after you pass away—on capital gains alone? What if there was a way to fund that...
CDA: How to Pay Yourself Tax-Free from Your Corporation
Imagine extracting hundreds of thousands in corporate profits—tax-free—without triggering personal tax liability. That's exactly what the Capital Dividend Account (CDA) allows incorporated professionals to do...
How to use Life Insurance as Capital Gains Relief
What if your biggest tax bill hits after you're gone? In this article, we'll explore how to use Life Insurance as Capital Gains Relief and...
OpCo to Legacy: The Estate Tax Trap
If your business owner client passed away tomorrow, what would happen—from a tax perspective—and what have you done as their advisor to plan for it?...
How Critical Illness Insurance works in Canada
What would happen if you were diagnosed with cancer tomorrow? How would you cover your mortgage, your bills, or your business expenses while you focused...
How Disability Insurance Works in Canada
What would happen if you suddenly couldn't work—due to an accident or serious illness? Understanding How Disability Insurance Works in Canada can help you prepare...
Critical Steps to Safeguard Your Legacy With Estate Planning
What happens to everything you've worked so hard to build—your business, your investments, your family home—after you're gone? It's important to understand the critical steps...
How to Be Like Jim Pattison
What if you could borrow the exact wealth-building strategy used by one of Canada's richest entrepreneurs—without being a billionaire? If you've ever wondered how to...
How to Invest in your Holding Company In Canada
Are you a Canadian business owner with retained earnings building up inside your corporation? If those funds aren't being put to work through a holding...
How do Capital Gains Work in Canada
How Do Capital Gains Work in Canada? A Guide for Business Owners and High-Income Professionals. Capital gains tax in Canada can take a serious bite...
Let's Get Social
See more about life at Safe Pacific and watch our myriad videos on Instagram and Youtube.
How does the RRSP actually work?
The RRSP is one of the most powerful tools in the Canadian tax system —
but only if you understand how to use it.
You contribute money and receive a tax deduction today,
lowering your taxable income.
That money is invested and grows tax-deferred,
meaning you don’t pay tax on the growth each year.
Later — usually in retirement —
you withdraw the funds and pay tax then,
often at a lower rate.
The goal isn’t just saving.
It’s shifting income from high-tax years
to lower-tax years.
When RRSPs are structured properly,
they can significantly improve your long-term outcome.
If you want help setting yours up the right way,
comment “meeting” and book one.
If you are a Safe Pacific client with a Sun Life participating policy, this is an important update to be aware of.
Sun Life has announced that it is maintaining the 2026–2027 dividend scale, effective April 1, 2026, including the 6.25 percent dividend scale interest rate. Special dividends for eligible pre-2004 and pre-1996 policies are also being maintained.
This update reflects the ongoing strength and prudent management of the Sun Life Participating Account. As always, remember that the dividend scale interest rate is not the return on your policy, dividends are not guaranteed, and future performance should be illustrated conservatively.
Want to read the full update from Sun Life? Comment "PAR" below and we will send you the link.
Merry Christmas and Happy Holidays!
We hope whatever you are celebrating that you are with your family since we are with ours, and will be out of the office until January 5th.
But you can still book a meeting in the new year on the website, just comment "meeting" and we will send you the link.
Thank you to everyone that was able to join us last night, we hope you all had a great time, we did.
We are looking forward to another great year working alongside you all.
Merry Christmas and Happy Holidays.
It`s the season for giving and Backpack Buddies needs our help so they can feed children of BC. As little as $25 feeds a child for a weekend.
Comment "Donate" to give what you can.
If you`re more of a listener when it comes to books, then we have you covered.
Our new book, the Wealth Multiplier is now available on audible.
Comment "book" to start listening today!
The Wealth Multiplier, which we released earlier this year physically and on kindle is now available as an audiobook!
Comment "Book" to start listening today!
We are fundraising for Backpack Buddies once again to help feed children across BC.
You can help by donating any amount but $25 will feed a child for a whole weekend.
Comment "Donate" and we will send you the link.
We had such a great time at @sensesconcert this past Saturday, a wonderful event where we had the opportunity to share our new book with new people and enjoy a wonderful orchestra!
We are off today, taking a day to reflect on and remember those who have served, and continue to serve our country during times of war, conflict and peace since World War 1.
We hope you do the same today.
See you tomorrow.
Happy Thanksgiving!
We`re out of the office today but we`ll be back bright and early tomorrow morning.
But you can still book a meeting by commenting "Meeting"
🎉 Our very own Advisor Jordan McConkey married his wife Sarina this past weekend.
We`re so excited for them, we look forward to seeing them grow together. Congratulations you two!🎉
Contact us
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