Welcome — You're in the Right Place!

Whether you're a young professional, a growing family, planning for retirement, or newly arrived in Canada and building your financial foundation, this page is your free financial education resource — built to help you make confident, informed decisions about your money and your future.

Navigating a new country comes with unique financial questions: What insurance do I need? How do the RRSP and TFSA work? How do I protect my family while I'm getting settled? You're not alone — and you're in the right place.

I'm Milbonita, a Primerica Financial Representative passionate about helping Canadians — and newcomers to Canada — close their coverage gaps, understand their options, and build lasting financial security from the ground up.

📌 All my tools, links & resources are here → linktr.ee/MilbonitaFinancialGuide

🚨 The 3 Biggest Financial Mistakes Canadians Make

• ❌ Mistake #1 — Assuming employer coverage is enough
• ❌ Mistake #2 — Letting term riders expire without reviewing options
• ❌ Mistake #3 — Delaying financial protection because "it's not urgent yet"

📋 Free Tools & Checklists

✅ Do I Have Enough Life Insurance? — Quick Checklist

• [ ] I have a personal life insurance policy (not just employer group coverage)
• [ ] My coverage amount is at least 10x my annual income
• [ ] My policy covers my mortgage or major debts
• [ ] My spouse/dependents would be financially secure for at least 5 years if I were gone
• [ ] I have reviewed my policy in the last 12 months
• [ ] My beneficiary designations are up to date
• [ ] I understand the difference between term and permanent life insurance