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"I help my clients achieve financial peace of mind and make their financial dreams come true"

-Marian W. Chan, life time member of MDRT


Relationship Building

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Tailored Planning

One client at a time.

How we work

Lifetime Support

One generation at a time.

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iconBusiness Planning:
Risk Management

Key Person Protection
Executive Retirement Planning
Employee Benefit & Group RRSP
Business Continuation & Succession Planning

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Individual Planning: 
Risk Management

Critical Illness
Income Protection
Disability Insurance
Long-Term Care Insurance

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iconWealth Management

RRSP
RRIF
Annuities
Pensions
Guaranteed Investments Funds


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iconEstate Planning

Wills
Trusts
Charities
Life Insurance



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About Us

"A successful, long-term advisor-client partnership does not happen fortuitously, it requires persistence and a diligent, structured approach."

Marian Chan Photo

Marian Chan

B.A. EPC

Director at Marian W. Chan Insurance & Financial Services Ltd.
 

Marian is an independent and experienced insurance & financial advisor. She has been in the business since 1987. Marian began her career in the banking industry, and became an insurance advisor before obtaining her investment license and eventually moving to financial planning in 1996. She learned the business from the ground up, which is something that her clients really appreciate. That valuable experience has made her understand the importance of customer service. 

She believes that a successful, long-term advisor-client partnership does not happen fortuitously; it requires persistence and a deliberate, structured approach. 

For over 24 years, she has been advocating as a trusted and loyal advisor to her clients, protecting what they have built while managing considerable profits and benefits form the foundation of their financial well being. Marian & her associates offer a spectrum of wealth management services, including insurance and tax planning, retirement planning, and estate planning. 

Marian established her practice in Vancouver, B.C. by devoting her endless efforts to earning the trust of many clients and friends. Their loyalty and support endorsed Marian’s goal to attain her membership as life-time member of Million Dollar Round Table (the premier international association of life insurance and financial professionals). In addition she qualified for 18 years for the distinction of National Quality Awards through a local chapter of a nationally recognized top quality financial professional Association (Advocis). Marian also earned financial planning’s designation, E.P.C. (Elderly Planning Counsellor) and pursuing her education towards C.L.U. (Chartered Life Underwriter) 

“As a recognized professional it is my job to identify the clients’ needs and get vital insight into their financial health to position all financial resources available to ensure the client’s needs are properly addressed. The client and I maintain ongoing dialogue surrounding their financial future to make this happen”. -Marian Chan

  • Life time member of Million Dollar Round Table (The Premier Association of Financial Professionals - International)
  • Members of Advocis, The Financial Advisors Association of Canada


Kelvin Ng Photo

Kelvin Ng

B.A., CFP®, EPC

Kelvin joined Marian Chan Insurance & Financial Services Ltd. as an independent insurance & financial advisor in 2003. Beginning his career providing life insurance services, Kelvin has expanded his financial planning knowledge to comprehensive insurance planning (Personal & Business), investment planning, tax planning and elder planning including retirement and estate planning. Through out his working career, Kelvin has been very dedicated to continually updating his education. He strongly believes knowledge will provide him confident and capability to implement better planning advices to solve his clients’ unique concerns.

Kelvin is a CERTIFIED FINANCIAL PLANNER® professional and holds Elder Planning Counselor (EPC) designation. Currently, he is pursuing his Chartered Life Underwriter (CLU) designation and plan to complete everything next year spring. Born and raised Hong Kong, Kelvin immigrated to Vancouver in 1994 with his family. After 16 years living in Vancouver, he is convinced Vancouver is his home and desires to establish his career after completing his Economic Major and Commerce Minor Degree in UBC. With his mother side of family being Taiwanese, Kelvin can fluently communicate in Cantonese, Mandarin and English to effectively servicing his clients.


Ann Wong Photo

Ann Wong

B.A., CFP®, FMA, FCSI

Certified Financial Planner


As a Certified Financial Planner and industry professional, Ann provides risk management and investment planning services.  She seeks to understand her clients, their values, and life goals in order to customize a plan to meet individual needs.  She values her relationships and earns trust from clients through risk mitigation and wealth creation strategy development. 

With over 20 years of experience and having worked at the largest life insurance company and one of the top five banks in Canada, Ann gained valuable experience in group benefits, investments and insurance.   She also coached financial advisors on investment strategies and practice management with an emphasis on process improvement.

Education is a fundamental component in her approach.  After completing her Bachelor of Arts (BA) degree from the University of British Columbia, she developed her career by successfully completing multiple industry courses.  She is a lifelong learner seeking to constantly improve herself and therefore improve her ability to help her clients.  Ann has achieved industry respected designations: Certified Financial Planner (CFP), Financial Management Advisor (FMA), and is also a Fellow of the Canadian Securities Institute (FCSI). 

As a wife and a mother of two, she values the moments spent with her family. In her spare time, she enjoys traveling, hiking, and practicing yoga.  Ann is deeply entrenched in her community through her volunteer work from local schools to national organizations.  She is honoured to be the recipient of the prestigious Queen Elizabeth II Diamond Jubilee Medal for significant contributions and achievements to her community.

Connect with Ann to design a blueprint on how you can enjoy life today and relax in the future.

Connect  l  Engage  l  Achieve


Services & Solutions

If you have any concerns regarding the topics mentioned below, contact us now for a FREE and NO OBLIGATION consultation to evaluate your unique situation.


Business Planning: Risk Management

“Do you fully understand the importance of business planning and how you can benefit from it as a business owner?”



As a business owner or professional, you face many challenges—not just in the day-to-day management of your business, but also in ensuring its long-term viability. Most of us, however, spend more time managing the day-to-day than planning for the future.

A key component of the business planning process is risk assessment. A well-thought business plan can provide a cost-effective solution for many situations that could threaten a small business, such as the loss of an owner or a key employee.

 
Here are some of the options you may want to consider as a business owner:

Key Person Protection:

 Concerns for Business Owner

  1. How would your business response to:
    - Death of key person?
    - Key person diagnose with Critical Illness?
    - Total & permanent disability?

  2. How long can your business survive when the above events occur?

  3. How would you meet your office overhead expenses if the key person is disabled or too sick to work?


Executive Retirement Planning


  • Many individuals have built up significant cash or liquid assets within their corporation but the tax cost of withdrawing those funds are often prohibitive, resulting in the corporation itself looking to purchase the investments directly.

  • How can you take advantage of tax efficient strategies using your business to support your retirement income?


Employee Benefit  & Group RRSP


  • The purpose of the benefits is to increase the economic security of employees
  • Employee benefits include additional health coverage that are not included in the provincial plan such as medical, prescription, vision, dental plans and dependent care.
  • Also, one of the corporate strategies today is to have Group RRSP contribution for employees. Protecting the employee and the company at the same time


Business Continuation & Succession Planning

Concerns for Business Owners

  1. What kind of succession plan do you have for your business?
  2. Do you have any buy-sell agreement for your business with partners or potential successors? Is it up to date?
  3. Do you have a living will?    
    • Business succession specialists often recommend an insured buy-sell agreement and financial planners to ensure the buy-sell agreement is well funded and to guarantee there will be money when the buy-sell event is triggered. Buy-sell agreement can be in the form of a cross-purchase plan or a repurchase plan. For greater neutrality and effectiveness of the buy-sell arrangement, the service of a corporate trustee is recommended.
 


BUSINESS PLANNING  |  INDIVIDUAL PLANNING  |  WEALTH MANAGEMENT  |  ESTATE PLANNING


Individual Planning: Risk Management

“And in the end, it’s not the years in your life that count. It’s the life in your years”- Abraham Lincoln


Critical Illness

Getting sick isn’t something any of us like to think about. But it can happen. Treating and coping with illness can mean significant and often unexpected costs—costs that may not be covered by provincial or employee health plans. With critical illness insurance you can:

  • Find the best health care available
  • Hire a nurse or caregiver to help you at home
  • Make mortgage payments
  • Provide income when you can’t work
  • Protect your retirement plans
  • Make sure your business survives
  • Reduce your workload to help you recover

Most importantly, critical illness is about peace of mind and recovery. It will let you focus on what really matters….getting better.


Income Protection

The disappearance of steady income can pose daunting problems for YOU, YOUR FAMILY and YOUR BUSINESS, both in the short term and long term.

  • Do you own personal coverage? Are you confident you have adequate coverage for yourself, your family or your business in case of pre-mature death?
  • Do you know someone who has been diagnosed with cancer, heart attack or stroke? Did they plan on it? Was there emotional or financial strain on their household or business?
  • Do you have disability insurance of any kind? When do the benefits begin after a disability? What is the maximum monthly benefit payable to you and how long would you be eligible?


Disability Insurance

Did you know that one in three people, on average, will be disabled for 90 days or more at least once before they reach age 65? You may have never asked yourself the following questions, but it may be worth exploring if you consider that one of your most valuable assets could be serious impacted if you were to become disabled:

  • When do you expect to retire?
  • How long could you maintain your current standard of living on saving alone?
  • To what degree do your children, spouse or parents depend on you financially?
  • How much income do you think the government will provide if you become disabled?


Long-Term Care

In fact, long-term care insurance provides a monthly benefit if you become functionally dependent and satisfy a waiting period. Functional dependence means that you require substantial assistance with two of six activities of daily living:

  • Bathing
  • Eating
  • Dressing
  • Toileting
  • Transferring
  • Maintaining Continence


BUSINESS PLANNING  |  INDIVIDUAL PLANNING  |  WEALTH MANAGEMENT  |  ESTATE PLANNING

Wealth Management

A financial wealth management plan helps you to decide what type of lifestyle you’d like to have, how much you need to save and how to manage your money after you stop working.

The sooner you begin planning, the easier it will be to put money ahead and worry behind:

  • When do you plan to retire?
  • What kind of retirement plans do you have?
  • Do you control the asset allocation and investment decisions for your retirement assets?
    Who helps you?
  • Do you think your current asset allocation matches your investment needs?

RRSP

Registered Retirement Saving Plan have various tax advantages compared to investing outside of tax preferred accounts.

RRIF

 Registered Retirement Income Fund is a tax-deferred retirement plan under Canadian tax law. Individuals use a RRIF to generate income from the savings accumulated under their Registered Retirement Saving Plan (RRSP).

ANNUITIES

Instead of a single lump sum investment, an insurer makes guaranteed regular income payments to an investor that contains both interest and a return of principal. Annuity payments can continue for the lifetime of one or two people, or for a chosen period of time.


   

PENSIONS

A pension plan is a fixed sum to be paid regularly to a person usually after retirement

INVESTMENT

Investment is putting money into an asset with the expectation of capital appreciation, dividends, and/or interest earning


Contact us now to create the BEST wealth management plan.

 



BUSINESS PLANNING  |  INDIVIDUAL PLANNING  |  WEALTH MANAGEMENT  |  ESTATE PLANNING

Estate Planning

“Why is it important to have a comprehensive estate plan, including a will? ”


Wills

A will is a legally enforceable declaration of how a person wishes his or her property to be distributed after death. A will can be quick and easy to produce and will generally cover the following:

  • Naming the executor—the individual or organization chosen to administer the estate
  • Naming beneficiaries of the estate
  • The distribution of assets within the estate
  

Business Planning  |  Individual Planning  |  Wealth Management  |  Estate Planning

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