Naviguide is different than any financial advisory you have experienced
Our background in education helps us to turn insurance and tax & legal planning into every day language. Our education based processes enable our clients to make knowledge based decisions.
We listen to your goals and consider your limits as your guiding points. We then direct you to your perfect solution from our hundreds of available options.
You benefit from the relationships we have built with our insurers and high end, HR, tax and legal advisors. We will take you to exclusive specialty insurance products that are finely tuned to your particular path. (i.e. tax reduction, hard to insure coverage, front of line coverage for health issues, specialty travel insurance and Kidnap & Ransom coverage, to name just a few)
In our ‘kit’ is a background in education, business, finance, taxation and contract law, along with 16 years of insurance expertise. Our kit provides a well rounded approach to financial planning. As a business owners and insurance specialists, we understand how to combine your business and family planning needs with a broad understanding of legal & accounting principles to form a comprehensive plan to create flexible solutions for you. We are very experienced at discussing issues with your accountant and lawyers with you or on your behalf.
This process ensures full and proper planning and a vantage point no other insurance guide can provide.
If you need something incredibly specific & rare, we have other specialists at our disposal who can help guide you to that solution. (i.e., Travel Insurance Specialist. High Risk Insurance specialist)
Only 5% of insurance advisors have an assistant. We have a whole team of people, including an assistant, specialists in the area of group benefits, individual insurance, underwriting, travel insurance, etc. This helps you get to the bottom of your question faster.
With Naviguide you will see what you are purchasing with a clarity you did not know was possible. Your insurance education will allow you to trust your plan is right-sized to your needs.
You will know there is always someone looking out for you in the ever changing world of Insurance, tax and legal issues. You will hear from us with information and easy-to-follow instructions on how to adjust your course if necessary.
Your highly personal information is safe with us. We have invested in the highest level of data protection to ensure that client data is always safe. If we have a ransom-ware attack, we have processes in place to restore our systems and be up and running within 15 minutes and no need to pay the ransom.
■ Life Insurance
• Term (prices have been reduced as much as 60% in the past 10 years and continue to decrease)
- Can be used to cover mortgages, debt, buy/sell
agreements and as part of your general financial planning
• Permanent (Universal Life, Whole Life, Term - 100)
Available with Tax Shelter ability
■ Critical Illness (pays lump sum of cash 31 days after diagnosis)
■ Disability (pays monthly income if you cannot work)
■ Long Term Care (pays for home nursing or facility care)
■ Group Health & Dental and Personal Health & dental
■ Group RRSPs & Pensions
• Segregate Funds (similar to Mutual Funds)
■ Medical Access Insurance (provides fast access to specialists and treatment if you are put on a medical wait list.)
■ Travel Insurance
■ Group Benefits
We guide business owners to find CRA approved ways to make taxable dollars non-taxable.
We guide families & businesses to transfer their risk & liability away from their estates & businesses.
We guide business owners to develop ways to keep employees longer and make them happier.
We help people to protect their estate & retirement plans.
■ Employee Benefit Consulting
■ Business Succession
■ Estate Preservation / Planning
■ Charitable Endowment Plans
(Planned charitable giving strategy)
■ Capital Gains Planning
■ Buy / Sell & Key Person Protection
■ Tax Sheltering
■ Mortgage Protection
Jay Nadler began his post university life as an elementary school teacher. The world of insurance became an obvious next step. He entered the world of Insurance in 2002 following the diagnosis of his wife’s brain tumor (at age 29). As a family, they got to experience the emotional & financial reality that illness brings.
Before becoming an insurance advisor and caregiver for his wife, Jay had many careers. He ran retail stores, worked with a circus, managed movie theatres, ran the commercial sales department for MEC when they were growing 40% per year, and spent years doing business to business sales of high end computer systems & support.
The combination of his experience with his wife and his business background has helped him search for the best processes & products to help his clients achieve as risk free a financial life as possible. The experience with his wife leads Jay to better understand the health & life situations that you may experience as time goes by.
Jay Owned Marathon Benefit Corp. (Specialists in group benefits & business solutions) in Calgary from 2004 to the present day. He now focuses his energy on the Comox Valley. Due to his diligence & processes he is the chosen representative for the CFIB benefit plan for North Island and Northern BC.
In his spare time, he likes to be active. He mountain bikes & trail runs in Cumberland almost daily. In the summer you will also find him kayaking & riding his motorcycle. In the winter he can be spotted up on Mount Washington.
Naviguide’s goal is to be the most professional & creative insurance advisory on Vancouver Island. To do this, we will;
• provide the highest level of education to our clients in regards to their financial options
• use the best insurance products that are available in BC & Alberta
• provide all of our clients with a superior level of client service
• support our community by always approaching our clients and neighbours
for their expertise and giving back wherever we can
Naviguide exists to ensure families and businesses avoid the unnecessary financial hardship accidents & illnesses can bring. To accomplish this, we ensure families and businesses have access to the best service, advice & financial tools available.
Another important part of our vision is to make the world a better place. We recognize that insurance is a paper intensive business. For every major policy that we place, we plant a tree. We also support local charitable organizations.
BEING PART OF THE COMMUNITY
A percentage of profit from every policy purchased by a client or renewed by a Group Benefit Plan client will go to the forest as an annual donation.
The goal is to work with our clients to purchase an acre of forest / year. The 2018 cost of an acre is approximately $8,800. (This number changes regularly as the forest is a commodity.)
If other charities are interested in our support, they are welcome to send a request in writing. We re-evaluate our charities every two years.
LET'S TALK HOW
213-2459 Cousins Ave.,
Courtenay, British Columbia
Guiding families and businesses through insurance and group benefits landscapes to realize better financial and tax results..