Ontario families earning $100K+ who still haven't run the numbers on what would happen if either income stopped tomorrow.
This is for you. The 15-Minute Clarity Call is where it starts. We map your situation, decide if running the full numbers would actually change anything for your family, and then we stop. No products. No paperwork. No pressure to do anything afterward.
Independent Life Insurance Agent · FSRA Licensed in Ontario · Education only, no products on the call
I built this for one specific household.
Probably yours.
I owned restaurants. Made real money. Had no idea where it went. When the businesses failed, I was left with CRA debt, three young daughters, a mortgage, and no plan. Every number on my financial snapshot was red.
I rebuilt from there. Cleared the debt. Built an emergency fund. Bought my next car in cash. Put real protection in place before I started growing again.
That same process is what I now run with Ontario families who are exactly where I was three years ago. Making good money. No map. Hoping nothing goes wrong before they figure it out.
What clarity actually looks like
These are composite fictional examples built from common Ontario household situations. Not real clients. The patterns are real. The people are not.
The Anxious Couple
Both partners working. Combined household around $140,000. Mortgage. Two kids in elementary school. They had been meaning to look at their numbers for two years. Anxiety walking in: 8 out of 10. Anxiety walking out: 3 out of 10. What changed was not their situation. What changed was that they could see it.
Disclaimer : Composite fictional example. Educational purposes only.
What we will actually do together
Every conversation starts with one 15-minute call. From there, we go as deep as you want, or we stop there. You decide. I do not chase.
The 15-Minute Clarity Call
Free. Video call. We talk through your household situation in plain language. By the end, we know whether a longer education session would actually be useful. About half of the people I talk to do not need one. I tell them that and we end there.
The Education Session
For households who want to run the full numbers. We map your income, your fixed obligations, your savings, your existing coverage, and the exact months of household runway you have if either income stops. No products. No applications. No follow-up unless you ask for one.
The Protection Review
Only if you want it. Only if education made it clear that protection action is the next step. This is where actual coverage is designed and recommended. Most clients think about this for weeks before deciding. That is normal.
Quick answers before you book
Do both of us need to be on the call?
Not for the Clarity Call. Whoever handles the household finances or wants to understand where things stand is enough to start. If you move to a longer session, both partners on that call makes a real difference.
Will you judge how we've handled money so far?
No. Most households I sit with have been meaning to look at this for years. I was in the same position. The call is about your numbers, not your decisions.
What do we need to have in front of us?
Nothing for the Clarity Call. A rough sense of your household income is enough. If we move to a longer session, I send a simple prep list ahead of time. Rounded numbers are fine throughout.
Not ready to book? Start here.
Two free resources sent by email. Same ones I share with the families I sit down with.
QUESTIONS — The 10 Questions to Ask HR About Your Group Benefits
Most Canadians have never read their own group benefits booklet. Most have no idea what their policy actually does and does not cover. This is a one-page checklist. Ten specific questions you send to your HR department or benefits administrator.
WORKSHEET — The Income Clarity Framework
The blank version of the framework I use with Ontario families on Clarity Calls. It walks you through the same questions I would ask in a conversation. Household income. Fixed obligations. Savings. Existing coverage. Months of runway on one income. Run it on your own first if you want.
Pick your next step
Ready:
Book the 15-Minute Clarity Call. We figure out together if going deeper makes sense.
Curious:
Grab the free resources. Read them, run a few numbers, then come back when you actually want to talk.
Luisito "Owie" De Guia · Life Insurance Agent · De Guia Finance · Greatway Financial Inc. · FSRA License No. 24224230 · Ontario, Canada
De Guia Finance is a trade name of Luisito De Guia. Insurance products are provided through Greatway Financial Inc.
This communication is for educational purposes only and does not constitute financial, investment, legal, or tax advice.
© 2026 De Guia Finance