Families across the country run into any number of financial hiccups every day – life somehow has a habit of throwing out curve balls when we least expect them. Adapting to changes and meeting challenges can be incredibly difficult when finances aren’t up to scratch, which means that thinking ahead with sensible financial planning is crucial.

Unexpected shortfalls and excessive expense can befall any Canadian family, with the following representing some of the most common causes:

• Permanent or Temporary Loss of Employment

• College or University Tuition Fees

• Retirement

• Business Startup Costs

• Illness or Injury

• Bereavement