Centre SquareTools & insights
Run your own numbers, in private.
Free needs-analysis calculators and plain-language articles for Ontario families and business owners. Every calculator runs in your browser, nothing you enter is saved or sent.
Free needs-analysis calculators and plain-language articles for Ontario families and business owners. Every calculator runs in your browser, nothing you enter is saved or sent.
Honest, educational estimates to help you think it through before we ever talk. Your numbers never leave your device.
Size your coverage on your real income, debts and goals, not a rule of thumb.
See how much of your income a group plan really replaces, and the gap to fill.
Estimate the tax-free amount that would carry you through a recovery.
Work out what your family would need for the send-off and the paperwork.
Project your RRSP, your 2026 contribution room, and this year’s tax refund.
Find the money you’re already earning but not keeping.
Estimate what it takes to replace a key person or fund a buy-sell of your share.
Practical reading on the things owners and families actually ask about. New pieces added over time.
A low-cost way to help your team save from payroll, and keep good people.
Why the agreement only works when the money is actually there.
What it is, why a corporation holds it, and the capital dividend account in plain terms.
Group plans cap out and leave higher earners badly underinsured. DI top-up closes the gap.
Most plans name a successor but never fund the transition across death, disability and retirement.
Book a 15-minute clarity call and we will work through your real situation together. No cost, no obligation, and I promise I will not try to sell you anything.
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