🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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In this episode, hosts Shane and Phil explore the critical topic of Critical Illness Insurance—why it's essential, who should consider it, and how to get started. If you've ever wondered how to protect yourself financially in the event of a serious illness, this episode is for you!

Join Shane and Phil as they break down the key aspects of Critical Illness Insurance, including the different types of policies, what to look for when choosing coverage, and the common misconceptions surrounding it. Whether you're new to the concept or looking for more information, they provide clear, actionable advice to help you make informed decisions about securing your financial future in case of illness.

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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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In this episode, hosts Shane and Phil dive into the essential topic of investing for beginners in Canada—why it's important, how to get started, and what you need to know to grow your wealth. If you’ve ever wondered how to begin investing in the Canadian market, this is the episode for you!

Join Shane and Phil as they break down the basics of investing, including the different types of investment accounts like RRSPs, TFSAs, and more. They’ll also cover important topics such as risk management, how to build a diversified portfolio, and the best strategies for long-term financial success. Whether you're new to investing or just looking for some guidance, they provide clear, actionable advice to help you make informed decisions and start building your financial future.

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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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In this episode, hosts Shane and Phil dive into the essential topic of disability insurance—why it’s important, who needs it, and how to get started. If you've ever wondered how to protect your income in case of illness or injury, this is the episode for you!

Join Shane and Phil as they break down the key aspects of disability insurance, including the different types of policies, what to look for when choosing coverage, and the common misconceptions around it. Whether you're new to the concept or need a refresher, they provide clear, actionable advice to help you make informed decisions about safeguarding your financial future.

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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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In this episode, hosts Shane and Phil tackle the common question: How do I get started in personal finance? If you've ever felt overwhelmed by financial decisions, this is the episode for you!

Join us as we break down the Pyramid of Financial Priorities—a simple yet powerful framework to help you establish your financial goals and priorities. Whether you're just starting your financial journey or looking to refine your approach, Shane and Phil provide actionable insights and practical tips to guide you every step of the way.

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https://shorturl.at/g6eT2
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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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Welcome back to The HarbourTrust Financial Podcast! In this episode, hosts Shane and Phil dive into five crucial tips every student should know as they embark on their career journeys. Whether you’re about to graduate or just starting out, this episode is packed with advice to set you up for financial success.

🎓 What We Cover:

1. Budgeting with Wants vs. Needs
2. Building Credit
3. Emergency Fund 
4. Investing in RRSPs and TFSAs
5. Understanding Your Taxes

Join Shane and Phil as they provide actionable tips and share personal anecdotes to help you kickstart your career with confidence.

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Pyramid of Financial Priorities & Budgeting Template!
https://shorturl.at/z8ATC

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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

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In this episode of The HarbourTrust Financial Podcast, we take a deep dive into mortgage insurance, breaking down what it is, how it works, and the key benefits it can offer homeowners. We’ll discuss how consulting with a private financial security advisor can provide personalized guidance tailored to your unique situation, ensuring that you understand all your options.

We’ll also highlight the potential pitfalls of obtaining mortgage insurance through lenders or banks, including higher costs and limited flexibility. By exploring these differences, you’ll gain a clearer picture of why seeking independent advice can empower you to make more informed financial decisions.

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💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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🔔 Disclaimer: The content in this episode of the HarbourTrust Financial Podcast is for educational and informational purposes only. It should not be considered financial advice. Always consult with a licensed financial advisor for personalized guidance tailored to your specific situation.

Join your hosts, Shane and Phil, licensed financial security advisors from New-Brunswick, as they dive into the world of life insurance in this episode!

In today’s discussion, we’ll explore 5 key types of life insurance:

1. Traditional Life Insurance
2. Universal Life Insurance
3. Specialized Life Insurance
4. Participating Life Insurance
5. Simplified Issued Life Insurance

Whether you’re new to life insurance or looking to refresh your knowledge, we’ve got you covered! Tune in as we break down the features, benefits, and ideal scenarios for each type, helping you make informed decisions for your financial future.

💬 Don’t forget to like, subscribe, and leave a comment with your thoughts or questions!

📅 New episodes drop every week—stay tuned for more insights from Shane and Phil!

Get your ship in the Harbour!

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Welcome to the first episode of the Harbor Trust Financial Podcast! 🎉 

Join licensed financial security advisors, Shane Larocque and Phil Beland, as they introduce the podcast and share their mission: to share personal finance info that is helpful, trustworthy, and friendly for Atlantic Canadians. 

In this series, you'll get clear, practical advice on various financial topics, from saving for your kids’ education to understanding insurance and planning for retirement. Expect weekly episodes full of tips, insights, and answers to your burning financial questions. Tune in to make finance fun and easy to understand! 💰📈

Get your ship in the Harbour!

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