Family financial planning · English & Tagalog
Plan for the people you love most.
I'm Jay-R, a dad and financial advisor who helps families in the GTA protect their income, save for their children's future and retire with confidence — in plain language, with no pressure.
Free 30-min family review
No cost. No obligation.
How I help families
Protect your family
Life, critical illness and disability coverage so your family is never left wondering “what now?”
Fund your kids' education
Make the most of RESPs and the free 20% government grant for every child.
Retire on your terms
A clear plan so you can enjoy your later years without worrying about running out.
Build family wealth
Explore FHSA, TFSA, RRSP and RESP options to save for a first home, education, retirement and your family's future.
Your family. Your priorities. More choice.
Why work with an independent broker?
A family plan starts with your needs, not a single company's product. Through WFG's Canadian provider network, Jay-R can help explore available insurance options and explain the differences in coverage, features and cost.
Examples listed by WFG, not a guarantee of Jay-R's appointments or every product's availability. Jay-R will confirm the providers and products available for your province and needs.
Complimentary Financial Needs Analysis
Review your income, debts, existing coverage and goals together. Identify gaps and priorities before deciding on next steps — with no obligation.
Critical illness & income protection
Discuss protection if a covered serious illness or disability interrupts your family's finances. Benefits, exclusions and eligibility vary by policy.
A plan that grows with you
New baby, new home or approaching retirement? Revisit your protection and discuss FHSA first-home savings, RESPs, RRSPs and TFSAs as your priorities change.
Savings for every family milestone
A first home, your children's education or retirement — the right account depends on your goals, eligibility and contribution room.
First Home Savings · FHSA
Eligible first-time buyers in Canada can save toward a home with tax-deductible contributions, tax-free investment growth and tax-free withdrawals for a qualifying home purchase. A way to build a down payment while planning your family's next chapter.
Flexible savings · TFSA
Save for near-term goals or the longer term. Contributions aren't tax-deductible, but investment growth and withdrawals are generally tax-free.
Retirement savings · RRSP
Eligible contributions can reduce taxable income. Investments grow tax-deferred; withdrawals are generally taxable.
Education savings · RESP
Set money aside for your child's education with tax-deferred growth and potential government grants, subject to eligibility and limits.
Registered accounts have eligibility rules and contribution limits. FHSA tax-free withdrawals must meet qualifying-home conditions; other withdrawals are generally taxable. Tax advantages do not guarantee investment returns. Jay-R can discuss available options; confirm tax questions with a qualified tax professional.
Discuss my family's savings goalsStart in three easy steps
1. Run the numbers
See how much coverage you need, what your RESP could grow to, or where your retirement is headed.
Open calculators →
2. Learn the basics
Grab a free family guide — insurance, RESPs, debt and retirement explained simply.
Browse guides →
3. Talk it through
Book a relaxed conversation with Jay-R, in person or online, in English or Tagalog.
Book a chat →
“As a parent myself, I know how much is on your plate. My job is to make the money side simple — so you can focus on your family.”
— Jay-R Cabrera
Get to know Jay-R