Next Steps Planning INC
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Life, Disability, Critical Illness, Long-Term Care, Travel Medical, Individual Group, Mortgage, more
Marie Phillips, an experienced insurance advisor, offers a comprehensive range of financial services tailored to meet the diverse needs of individuals, families, and businesses. Her expertise spans various domains of financial planning, with a strong emphasis on empowering clients through financial literacy and personalized solutions. Marie is recognized for her dedication to community service and her commitment to helping clients achieve their financial goals. Insurance Advisory Services
Marie Phillips provides specialized insurance planning services to ensure her clients' financial security and protection. The insurance solutions offered include:
Life Insurance:
Provides financial support to beneficiaries upon the policyholder's death. Helps clients secure their family's future and manage estate planning effectively. Disability Insurance:
Provides income replacement in the event of disability, ensuring financial stability during challenging times. Critical Illness Insurance:
Provides a lump sum payment to cover medical expenses or other financial needs if diagnosed with a critical illness. Long-Term Care Insurance:
Covers costs associated with long-term care services, such as nursing homes or in-home care. Travel Medical Insurance:
Protects clients against unexpected medical expenses while traveling. Individual and Group Mortgage Insurance:
Ensures mortgage payments are covered in the event of unforeseen circumstances, providing homeowners with peace of mind
. Executive and Employee Health Savings Plans:
Tailored health savings plans for businesses to support their employees' healthcare needs. Estate Solutions:
Helps clients manage and protect their assets for future generations. Additional Financial Services
Marie Phillips complements her insurance advisory services with a wide array of financial planning solutions, including:
Financial Planning: Comprehensive strategies to achieve short-term and long-term financial goals. Investment Planning: Guidance on mutual funds, segregated funds, stocks, bonds, ETFs, and more. Retirement Planning: Assistance in preparing for a secure and comfortable retirement. Tax Planning: Strategies to optimize tax savings and manage liabilities. Estate Planning: Ensuring smooth transfer of wealth to beneficiaries. Financial Divorce Planning: Support in managing finances during and after divorce. Pension Transfers: Assistance with transferring pensions to maximize benefits. Business Group Benefit Plans & Succession Planning: Tailored solutions for small business owners. Registered Disability Savings Plan (RDSP): Financial planning for individuals with disabilities. Unique Initiatives
Marie Phillips is committed to financial literacy and community engagement. Her initiatives include:
SOUND ADVICE™: A video literacy series designed to empower and inform individuals about financial planning. Financial Success for Pre-Retirees and Retirees: Co-authored books aimed at guiding individuals through financial planning at different life stages. Collaboration with local arts organizations and donors to promote financial literacy and foster community development. Recognition and Awards
Marie Phillips has received several accolades for her contributions to financial advisory services and community engagement, including:
IPC Cares Award for Community Service
Value of Advice Awards
Best Client Experience Awards
George R. Robinson Award
Contact Information
For inquiries or to access Marie Phillips' insurance advisory services, you can reach her at:
Phone: 905-648-2425
Email: [email protected]
We offer a wide range of insurance and financial planning services designed to meet your unique needs. With dedication to financial literacy, community service, and personalized solutions, Marie is a trusted advisor for individuals and businesses seeking to secure their financial future.
10/08/2026
Snowbirds: single-trip or multi-trip? 🏖️
Heading south for the winter? The right travel insurance depends on how you travel:
Single-trip — one policy for one getaway. Simple, best for one big trip a year.
Multi-trip annual — covers unlimited trips for 12 months (each trip up to a set number of days). Often cheaper if you cross the border several times.
Snowbird essentials:
• Match your coverage days to your actual stay — don't get caught short
• Confirm your provincial plan stays valid while you're away (most provinces require you to be present a minimum number of days per year)
• Disclose pre-existing conditions honestly — non-disclosure can void a claim
Booking your winter escape now? Sort the insurance before you sort the sunscreen. ☀️
https://nspinc.ca/travel
10/07/2026
Turning 71 soon?
You must convert your RRSP by December 31 of that year, and the choices you make now will affect your taxes for years.
Contact us today for your RRIF Conversion Checklist: a plain-language guide to converting a Registered Retirement Savings Plan (RRSP) to a Registered Retirement Income Fund (RRIF) in Canada.
Marie Phillips, Insurance and Wealth Advisor.
Wealth Advice provided under Next Steps Planning with IPC Securities Corporation.
10/06/2026
Your provincial health plan stops at the border 🛂
Here's what most Canadians don't realize: outside Canada, your provincial plan covers only a fraction of emergency medical costs — you're responsible for everything above provincial rates.
A single day in a U.S. hospital can cost more than $10,000. An air ambulance home? Tens of thousands more.
Before any trip outside Canada:
✓ Know what your province actually covers abroad (spoiler: not much)
✓ Check your work plan and credit card coverage
✓ Top up with travel medical insurance for the full trip
The cheapest part of your vacation should be the peace of mind. Let's make sure you're covered before you go. ✈️
https://nspinc.ca/travel
10/05/2026
🍎 Happy World Teachers' Day! 📚
Today, October 5, we celebrate the teachers who shape our future — one student at a time.
We've observed World Teachers' Day every October 5 since 1994, marking the anniversary of the 1966 UNESCO/ILO Recommendation on the Status of Teachers. It has Canadian roots: Canadian teacher leader Norman Goble of the Canadian Teachers' Federation championed the idea.
This year's theme says it perfectly: "Thank You for Brightening Our Future."
To every teacher who sparked curiosity, built confidence, and believed in a student — thank you. 🙏
— Marie Phillips, Insurance and Wealth Advisor | NextStepsPlanning Inc.
09/22/2026
🍁 Fall is a natural time to pause, review, and prepare. Just as we maintain our homes for the changing season, it's also an ideal opportunity to review the safeguards that protect our financial well-being and help prevent fraud.
09/02/2026
"Why would anyone buy life insurance for a child?"
It's a fair question, and one of the most misunderstood topics in financial planning.
Juvenile participating life insurance isn't typically about preparing for a child's death. For many families, it's about creating options, preserving future insurability, and establishing a foundation for long-term financial security.
The purpose may be very different than you think.
Read our latest blog to discover why: 👉 https://nextstepsplanninginc.ca/blog/juvenile-life-insurance
blog/Juvenile Life Insurance | NextSteps Coverage blog/Juvenile Life Insurance on NextSteps Coverage. NextSteps Coverage helps clients explore travel, corporate, life, pet, and indiv.
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