Welcome to Mars Insurance
Segregate Funds
Retirement Planning
Retirement Income Fund
Click to verify BBB accreditation and to see a BBB report.
Licensed from:
Financial Service Commission of Ontario
 Our Partners

RRSP:Registered Retirement Savings Plan

Licensed Brokers | Advisors | Agents in Insurance Industry

Retirement Planning

We assist in finding answers to few questions like these: -

1. What will my retirement look like?
2. How much retirement income will I need?
3. Where will my retirement income come from?

Each person is unique so are the retirement needs, so we do not offer you a standard one answer, one answer fit all, kind of thing, we actually care to understand your vision for the retirement and work with you to achieve it.

Planning now will reward later...    Maximize your retirement savings:      Simple retirement Plan


Fill this form to see if you qualify for
NO COST 90 minutes first-session

Name: *
Age: *
Email: *
Phone: *
Postal Code:



There are five main phases of retirement:

1. Beginning the planning process
2. Implementing the plan and building the retirement fund
3. Monitoring progress
4. Approaching retirement
5. Retirement and distribution of assets

Plan your retirement
Retirement doesn't happen overnight. Planning your retirement is the safest means of attaining your retirement goals and accumulating enough capital to ensure the quality of life you strive for.

Good planning means thinking about the following elements:

1. The increasing likelihood that you will spend more time in retirement.
2. The desire to achieve your retirement goals.
3. The income required to pay for regular expenses.
4. The ability to save capital and increase your wealth.

Have a plan
Start with your vision for retirement. Do you want to travel? Pick up a hobby? Buy a cottage? Scale down? Once you know the lifestyle you want, work backwards to determine how much money you'll need to support that vision.

Review it regularly
Now that you have a plan, don't just shove it in a drawer. Review it annually, and as life circumstances change to make sure it matches your current goals, timeline and risk tolerance. Remember, your needs will change over time.

Adjust as you go

Retirement Calculator
Canadian Retirement Income Calculator

How do I balance my priorities between mortgage/ Kids/ Retirement savings?

Your working years can find you juggling lots of different financial priorities. You might be paying your mortgage, putting children through university and caring for your parents. It can be a lot to handle and it can sometimes seem overwhelming.

Here are three strategies that can help you balance your priorities and work towards multiple goals.

1. Create a budget
Your first step is to create a budget:

• Determine your after-tax income.
• Know where your money goes. Write down your monthly expenses and recurring annual expenses (such as membership fees and insurance payments). One way to do this is to keep track of what you spend for one month as you spend it – write it down and keep receipts even for small things like coffee or lunch.
• Determine if you are spending more than you earn. The old wisdom to “spend less than you earn” still holds true and is one of the best ways to build retirement savings. If your expenses exceed your income, work with our Advisor to find ways to cut expenses – for example, by consolidating debt to reduce your interest costs.
• Calculate your net worth. Your net worth is the total of everything you own (your assets) minus everything you owe (your liabilities). Calculating it annually provides you with an overview of how you are doing financially. Seeing how your debts stack up against your savings can help you set priorities for your finances.
•Make savings a priority – adjust your expenses so that you can set aside even a small amount of money on a regular basis for savings. To build your savings over time, set realistic goals that fit your lifestyle. Automatic deposits into your Registered Retirement Savings Plan or a Tax-Free Savings Account can help you stay on target to reach your savings goals.

2. Take advantage of government incentives

Numerous government incentives can help you save more effectively:

• CESG. If one of your goals is saving for your child’s post-secondary education, you may want to use a Registered Education Savings Plan (RESP). Not only are earnings in the plan tax-deferred, but the Canada Education Savings Grant (CESG) can add up to $500 per year, $7,200 lifetime.

• TFSA. The Tax-Free Savings Account allows you to earn tax-free investment income on contributions of up to $5,000 annually. Withdrawals are tax-free, too.

• RSP. By maximizing your RSP contribution each year, you not only save more for your retirement, you also reduce your taxable earnings

Throughout your working years, you may receive windfalls, such as employment bonuses, salary increases, tax refunds or inheritances. While it can be tempting to spend this “found money” right away, by investing it, increasing your RSP contribution, or paying down debt, it will work harder for you and produce a greater benefit down the road.

3. Use windfalls wisely
Throughout your working years, you may receive windfalls, such as employment bonuses, salary increases, tax refunds or inheritances. While it can be tempting to spend this “found money” right away, by investing it, increasing your RSP contribution, or paying down debt, it will work harder for you and produce a greater benefit down the road.


Regular Life Insurance

Travel Insurance know more

Travel Insurance

Visitor to Canada know more

Individual Health Plans

Individual Health Plans know more


RRSP know more


RESP know more



"I would gladly recommend Life Insurance Advisors to my friends or anyone who might be interested in buying life insurance. Mike personally handled my account and was especially responsive to my needs. I was equally impressed with the low cost of my insurance policy." - Alexander & Mary, Peterborough ON

"Your service and assistance in obtaining my life insurance policy has been outstanding in every aspect." "Job well done!!  Will definitely recommend! 
Shaun & Tanya, Etobicoke ON

"AJ was very helpful and non-pressuring. I called him for quotes and after sending them to me, he didn't keep calling every other day to see if I would buy. AJ allowed me a lot of time to make my decision. When I did have questions, he returned my calls promptly and was very helpful. I enjoyed working with AJ on this matter." - Noel & Usha, London ON


Home | Insurance | Investments | RESP | Living Benefits | FAQ | Blog | Get Quote | Travel | Careers | No Medical Life Insurance | Regular Insurance | Disability Insurance
Critical Illness Insurance | RRSP | RSP | Segregate Funds | Retirement Income Fund | Retirement Planning | Prescription | Prescription and Dental | Group Benefit | Hospital Cash Benefit
| Emergency Excess Hospital Insurance | Trip Cancellation | Accidental death and Dismemberment | International Student | Visitor to Canada | Baggage Insurance

Copyrights 2007 marsempireGroup. All rights reserved.

10 Four Seasons Place, 10th Floor, Toronto, Ontario M9B6H7 416-900-6871
We serve all of Ontario including: Acton, Ajax, Almonte, Amherstberg, Ancaster, Aurora, Barrie, Beamsville, Belleville, Bolton, Bracebridge, Bradford, Brampton, Brant, Brantford, Brighton, Brockville, Burlington, Cambridge, Cayuga, Chatham, Churchill, Clarence, Clarington, Cobourg, Collingwood, Cornwall, Essex, Fort Erie, Georgetown, Goderich, Gravenhurst, Guelph, Grimsby, Gwillimbury, Haldimand, Hamilton, Hawkesbury, Huntsville, Ingersoll, Kenora, Keswick, Kingston, Kingsville, Kitchener, LaSalle, Lincoln, Lindsay, Listowel, London, Milton, Markham, Midland, Mississauga, Napanee, Newmarket, New Alliston, Niagara Falls, Niagara on the Lake, North Bay, Norfolk, Oakville, Orangeville, Orillia, Oshawa Ottawa, Owen Sound, Paris, Parry Sound, Pelham, Pembroke, Petawawa, Peterborough, Pickering, Picton, Port (Pt.) Colborne, Port Dover, Port Elgin, Richmond Hill, Sault Ste. Marie, Sarnia, Scarborough, Simcoe, Stoney Creek, Stratford, Strathroy, St. Catharines, Stouffville, St. Thomas, St. Mary’s, Sudbury, Tecumseh, Thornhill, Tillsonburg, Timmins, Thorold, Thunder Bay, Toronto, Trenton, Vaughan, Vineland, Wasaga Beach, Waterloo, Welland, Whitby, Windsor, Woodbridge, and Woodstock.