EMMANUEL OHANA
Licensed BC ·ON · AB · MB · NS
Are you on track to retire comfortably, and keep more of it from tax?
Answer 6 quick questions, then watch Emmanuel's free 4-minute training.
Will your savings last through retirement?
And how much will tax take? Answer 6 quick questions, then watch Emmanuel's free 4-minute training.
- Free
- About 1 minute
- No obligation
What you'll learn in 4 minutes
- 1Why CPP and OAS won't be enoughTogether they pay about $1,300 a month. That's the floor. See what needs to sit on top of it.
- 2What happens to your RRSP when you take it outEvery dollar you withdraw counts as income. That can raise your tax bracket, reduce your benefits and shrink what your family receives.
- 3Two ways to build income the CRA doesn't take a cut ofHow whole life and universal life policies grow, and how you can draw from them without it counting as income.
Meet Emmanuel
Emmanuel helps Canadians plan retirement income and keep more of it from tax. As an independent advisor working through HUB Financial, he can compare options from several insurers.
- Licensed in BC, ON, AB, MB & NS
- Independent through HUB Financial
- Based in Surrey, BC
“He helped me set up my Universal Life insurance policy and TFSA investment. I really appreciate his patience, professionalism, and the time he took to explain everything clearly.”Ridam B.
“He took the time to explain my options, answer my questions, and help me understand what would be suitable for my situation.”Odirin A.
“He takes the time to explain things clearly and helps you understand the importance of planning ahead, protecting your loved ones, and building a secure financial future.”Theophilus T.
Before you start
Does this cost anything?
No. The training is free, and so is the Discovery Call if you decide you want one.
What happens after I answer?
Your training opens right away. Emmanuel's team will then text and call you to see if a free Discovery Call makes sense for you. No pressure either way.
Who is this for?
Canadians in BC, Ontario, Alberta, Manitoba and Nova Scotia who want more income in retirement and less of it lost to tax.
Is my information private?
Yes. Your answers are only used to follow up with you. Read the privacy policy.
Ready? It takes about a minute.
Start the 6 questionsFree · No obligation
Emmanuel Ohana · Licensed ON ·BC · AB · MB · NS
What's in the training:
Why the standard plan doesn't get most people there — CPP and OAS together pay about $1,300 a month. That's the floor almost everyone is building on, and most people have never done the arithmetic on what has to sit on top of it.
What actually happens to an RRSP on the way out — every dollar you withdraw is income. That affects your bracket, your benefits, and what your family receives. Taxes end up being the single biggest expense in most retirements and almost nobody plans for that.
The two ways to build income the CRA doesn't take a cut of — the difference between a whole life policy and a universal life policy, how the money grows inside each, and how you get it out without it counting as income.
Four minutes.
Emmanuel Ohana
Licensed ON · BC · AB · MB · NS
Independent through HUB Financial
[email protected]
604-800-7647
15988 26 Ave, Surrey, BC
This information is for educational purposes only and is not financial, tax, or legal advice. Universal Life (UL) policies are life insurance products with cash value components that can grow based on interest rates, subject to caps and participation rates. Actual results and policy performance will vary by insurer, policy design, and market conditions. Examples or projections shown are hypothetical and not guarantees of future results. Loans and withdrawals may reduce the cash value and death benefit and could cause the policy to lapse. Always consult with a licensed professional and review the full policy illustration before making any financial decisions.