ATC Financial, Inc.

Living Your Dream Takes Careful Planning

We are a father and son team that provides insurance and investment solutions to clients who are looking to fulfill their financial needs in various areas of income protection and replacement, retirement planning, health and dental plans, travel insurance, employee benefits plans, wealth accumulation and distribution. Together, we have more than 40 years of combined practice in financial planning services here in Canada and abroad. We offer our personalized approach in financial planning that best suited to our clients’ unique financial needs. We are passionate in helping our clients achieve their financial goals and live a balanced lifestyle.

Claro Cagulada, Jr.

Financial Security Advisor
Investment Representative

Our mission is to help our clients achieve their financial goals by providing them with our professional and personalized way of financial advice. Backed by a team of investment and insurance specialists and in consultation with our clients, we design their financial plans. We are committed to create valuable enhancements to our clients financial future. 

Ask an advisor: Should I get benefits for my small business? 

Find out how group benefits plan can help retain staff, improve morale and productivity, and keep your employees healthy and at work.

 

 


View video script

 

Description: This animated video introduces a character named Greg and his advisor with illustrated graphics to show how benefits can help a small business owner.

Text: Ask an advisor: Should I get benefits for my small business?

Description: An illustration of a storefront draws into the frame.

Greg: My employees have been asking for workplace benefits. Are they right for my business?

Description: Greg stands behind a counter of baked goods while talking on the phone. An employee carrying empty coffee cups on a tray walks into the frame.

Advisor: I'm in the neighborhood. I’ll stop by.

Description: Cut to a close-up shot of Greg.

Advisor: In today’s competitive job market, group benefits can be a great way to invest in your company’s health.

Description: The advisor sits on a stool at a high table with her laptop. Greg serves her tea.

Advisor: They can help you attract and retain staff

Description: The camera zooms out to show Greg in a circle. Two more circles appear with Greg’s employees inside each.

Advisor: Improve morale and productivity

Description: The camera zooms into one of the employees. Text “Morale” and “Productivity” appear, each with an indicator showing a high rating.

Advisor: And keep your employees healthy at work.

Description: The camera zooms out of the employee to show them safely carrying a large box.

Advisor: There are plans available for companies as small as two people.

Description: Cut to Greg and the advisor talking in the café.

Advisor: You can start with basic benefits such as prescription drugs, dentalcare, disability, life, critical illness and accident insurance.

Description: Illustrations animate into the frame to represent each benefit.

Advisor: Then as your business grows, you can add a retirement and savings plan.

Description: Two illustrations appear: a Muskoka chair for retirement and a piggy bank for savings.

Greg: But can I afford it?

Description: Cut to a medium shot of Greg.

Advisor: Adding workplace benefits can be less expensive than pay raises. When you raise pay, you also increase your contributions to public pension plans, employment insurance and worker’s compensation. With benefits, you don’t have to. You just make the monthly payments.

Description: Three illustrations of the benefits return. A list appears, titled “No increases in:” with “Employer contributions under Canada and Quebec pension plans,” “Employment insurance” and “Worker’s compensation” in a column.

Advisor: And our apps and online services can make administering your plan easy and secure.

Description: Cut to the advisor with her laptop turned towards Greg. The My Canada Life at Work dashboard is displayed.

Advisor: Let’s talk about creating a group benefits plan that works for you, your employees and your business.

Description: The camera zooms out to show Greg and the advisor.

Text “Let’s talk. Contact me today.” appears onscreen with a legal line: “Video produced by Canada Life. canadalife.com 1-204-946-1190”

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