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 Are you ready for the unexpected?

TK Financial Group puts clients’ best interests first

THE CHALLENGE:

For Darcy Cullum, Owner and President of Ottawa Mould Craft, it was discontent with the typical insurance salesman relationship that led him to TK Financial Group.

“Attentiveness to our needs was lacking,” Cullum said of the service providers with whom he was accustomed to working. Each year, they would wait until the last minute to come knocking with policy renewals that invariably included rate increases. This left little time to research the market and see if there were other solutions available that would better serve Ottawa Mould Craft’s needs and budget.

THE SOLUTION:

But a conversation with Milan Topolovec of TK Financial Group that began with insurance products quickly grew into a broader discussion about tax planning and understanding what programs Ottawa Mould Craft needed to protect its owners for the long-term.

“With his connections in the industry, Milan was able to get the best players to the table and put together a package that served our needs and fit our budget,” Cullum said.

The value of such strategic planning proved itself barely a year later, when Cullum’s partner in the business unexpectedly passed away.

“I have to say that without Milan pushing us to go through that process, we might not have had the proper insurance in place when I lost my partner,” Cullum said. “He has the clout, the respect and the phone numbers of the right people, as well as the tenacity and work ethic, to make things happen.”

If Ottawa Mould Craft had remained underinsured, based on the fair market value of the company, the family of Cullum’s deceased partner would have been left without the financial resources to ensure their future. And due to the terms of Ottawa Mould Craft’s shareholder agreements, that shortfall for the surviving family could have had costly legal ramifications for the business.

“Year after year, Milan continues to service your requirements and understand where your business is going to offer the right solutions in a format that’s understandable to the layman,” Cullum said. “He’s just on the ball.”

ABOUT TK GROUP:

New clients often come to Milan Topolovec’s door for an insurance product, but he wastes little time in helping them take a broader look at the full scope of their estate and family planning needs.

“Insurance isn’t the tail that wags the dog,” said the President and CEO of TK Financial Group. “Clients will come in and say ‘I need $1 million in life insurance.’ And I’ll ask, ‘Why?’ We don’t push product. We push service. We take a practical and holistic look at their entire situation to truly understand what they need.”

TK Financial Group provides its corporate, self-employed and professional clientele with a comprehensive range of financial services that include Estate Planning, Life Insurance, Investments and Pension services. It partners with numerous accounting firms, legal firms, investment managers and insurance companies to provide clients with broadest range of options, combined with the impartial and expert counsel they need to make an informed decision.

This service-first approach has been particularly valuable to Ottawa Mould Craft.

Contact TK Financial Group today for a complimentary audit and be confident that you have left nothing to chance.

Visit www.tkfg.ca or call 613-728-7030