Andrew W Bradley

Andrew is a licensed Life Insurance Broker and Registered Retirement Consultant-RRC® helping Ottawa families since 2011. Awards :
2017 ThreeBestRated.ca -Handpicked Top 3 Financial Services in Ottawa, 2017 Faces Magazine Awards – Ottawa’s Favorite Financial Advisor,
2017 Feedspot Top 40 Life Insurance Blogs on the web and
2016 Insurance Business Magazine – Life & Health Advisor of the Year Finalist.

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Andrew W Bradley's Latest Posts

Money for Life – Annuities What Are They and How Do They Work?

| October 28, 2014 | 3 Comments
Money for Life – Annuities What Are They and How Do They Work?

When it comes time to finally retire and start living the good life how much money are you going to need and how long do you need it to last so that you can do the things you want to do? According to World Health Statistics in 2014 the average male will live to age […]

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Why It’s a Good Idea to Put Off Buying Life Insurance

| October 7, 2014 | 4 Comments
Why It’s a Good Idea to Put Off Buying Life Insurance

According to a TD Insurance Risky Business Poll 31% of Canadians do not have life insurance and 40% of them say they don’t think it’s necessary.  One-third of Canadians worry they aren’t adequately protected by their insurance policies. What I hear most often when sitting across from people, people with kids and other liabilities is […]

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Who Gets Your Life Insurance?

| September 22, 2014 | 9 Comments
Who Gets Your Life Insurance?

The one thing you can count on in life is change. From getting married and having kids to getting divorced, then remarried and gaining step-children. The one thing that sometimes doesn’t get changed are the beneficiaries on your life insurance policy.  The main reason you have life insurance is to make sure your loved ones […]

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What Happens When You Die Without a Will?

| August 5, 2014 | 8 Comments
What Happens When You Die Without a Will?

A 1993 survey by the Trust Companies Association of Canada found that only half of all Canadians 18 years of age and older have a valid will. This means that half of all Canadians are at risk of dying intestate or without a will. Intestate also refers to the individual who dies without a will. […]

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Income Splitting with a Spousal RRSP

| July 7, 2014 | 2 Comments
Income Splitting with a Spousal RRSP

A spousal RRSP can be an effective income-splitting tool. It allows the spouse who is in the higher tax bracket to claim the deduction, while providing retirement income to the other spouse, which could reduce taxes when the money is withdrawn during retirement. To be deductible, the total of all amounts that you contribute to […]

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How to Find the Right Financial Advisor for Your Family

| May 16, 2014 | 12 Comments
How to Find the Right Financial Advisor for Your Family

When I meet with a family for the first time it’s kind of like a first date, we’re both a little nervous and excited, we are worried about first impressions and we hope this is client/advisor of our dreams.  We ask the usual get-to-know you questions such as how long have you lived in Ottawa, […]

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Pimp your Life Insurance Policy with Riders

| April 15, 2014 | 1 Comment
Pimp your Life Insurance Policy with Riders

Pimp your Life Insurance Policy with Riders When buying a life insurance policy there are additional protection options you can add to customize it for your needs. When I meet with someone for the first time I ask a lot of questions about them and their needs so that I can make a recommendation to […]

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Protect Your Biggest Liability – Your Home

| March 7, 2014 | 5 Comments
Protect Your Biggest Liability – Your Home

The majority of the families I meet with think they have their biggest liability (their home) covered with mortgage insurance that they got from their lender. The problem I find is that typically the person selling the mortgage never took the necessary education, training and licensing to sell life insurance and are not qualified to explain a […]

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The Financial and Emotional Costs of Buying your First Home

| March 4, 2014 | 3 Comments
The Financial and Emotional Costs of Buying your First Home

Buying your first home will probably be the biggest financial transaction you will ever make (a close second is your hydro bill). The idea of finally being able to have your very own home is an exciting and stressful time – looking at houses on MLS, picturing your kids playing in  a big backyard, having […]

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Why Life Insurance is Important for New Parents

| February 25, 2014 | 2 Comments
Why Life Insurance is Important for New Parents

One of the most important times for you to consider life insurance is when you become a parent. The addition of a new baby to your household is one that is life-changing, possibly the most life-changing event in your life. Suddenly, rather than being responsible for yourself and caring for your spouse, you have a […]

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Donating a Life Insurance Policy to your Ottawa Church or Charity so Everybody Wins

| December 6, 2013 | 3 Comments
Donating a Life Insurance Policy to your Ottawa Church or Charity so Everybody Wins

  During the holiday season most of us get into the spirit of giving, gifts to family and friends and donations to charities, churches and other community organizations. What if there was a way to maximize your donations to really make a difference and help those that need it and still claim your tax deduction […]

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Does it Make a Difference Who You get Your Life Insurance From?

| November 25, 2013 | 1 Comment
Does it Make a Difference Who You get Your Life Insurance From?

When it’s time for you to look at getting life insurance, like most people you go to your bank or do a search online to find a local insurance agent. You then make an appointment, meet with the agent, get a quote and then apply. But did you know there are different kinds of agents […]

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As Seen on TV – CHIP Home Income Plan and Reverse Mortgages

| October 22, 2013 | 0 Comments
As Seen on TV – CHIP Home Income Plan and Reverse Mortgages

I have been asked recently regarding the ads on TV about the CHIP Home Income Plan and what a reverse mortgage is all about. I will give a brief overview about who would use this product, what a reverse mortgage is and what to consider. If you are in need of additional income or have […]

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Life Insurance Awareness Month – Do You Even Know Where Your Policy Is?

| September 30, 2013 | 1 Comment
Life Insurance Awareness Month – Do You Even Know Where Your Policy Is?

This year’s Life Insurance Awareness Month spokesperson is retired NFL MVP quarterback Boomer Esiason. Boomer speaks from the heart about the hardship his family faced when his mother, Irene, died when Boomer was only 7. He’s also a passionate fan of life insurance because, as a father himself, he understands how different things would have […]

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Just what is this RRSP Home Buyers’ Plan? – Part 3 of 3 (Return of the Money)

| September 4, 2013 | 0 Comments
Just what is this RRSP Home Buyers’ Plan? – Part 3 of 3 (Return of the Money)

We’ll here we are finally for the final chapter of this trilogy, paying back your RRSP Home Buyers’ Plan. Now that you’re all moved and have finally memorized your new postal code it’s time to start thinking about returning the money you borrowed from your RRSP. If you missed them, you should read Part 1 […]

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Just what is this RRSP Home Buyers’ Plan? – Part 2 of 3

| June 5, 2013 | 0 Comments
Just what is this RRSP Home Buyers’ Plan? – Part 2 of 3

Welcome to the second installment of the RRSP Home Buyers’ Plan (HBP), to read the first part you can click here. In the first part  I gave a brief overview of how the plan worked and described who is considered a first time home buyer. In the second part I will cover what homes are qualified for the plan, […]

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Why should you use a TFSA for savings and investing?

| May 27, 2013 | 1 Comment
Why should you use a TFSA for savings and investing?

In a Tax-Free Savings Account the growth is tax sheltered. Assume you invest $3,000 after-tax money annually into a TFSA and the same amount into a non-registered account. Both investments have a rate of return of seven per cent and your marginal tax rate at withdrawal is 40 per cent. Your TFSA would accumulate to […]

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Just what is this RRSP Home Buyers’ Plan? – Part 1of 3

| May 21, 2013 | 4 Comments
Just what is this RRSP Home Buyers’ Plan? – Part 1of 3

Under the Home Buyers’ Plan (HBP), you and your spouse can withdraw up to $25,000 from an RRSP to buy or build a home. The HBP withdrawal limits were increased to $25,000 from $20,000 as part of the 2009 Budget. Unlike regular withdrawals from an RRSP, withdrawals that meet all applicable HBP conditions do not […]

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What do your kids know about money?

| April 23, 2013 | 3 Comments
What do your kids know about money?

What do your kids know about money? Are you able to tell me how much money your parents made each year when you were ten years old? Probably not. I bet a lot of people couldn’t. Why exactly is that? For the simple reason that families don’t talk about money a lot, and they especially […]

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Life Insurance? Where do I start?

| March 26, 2013 | 0 Comments
Life Insurance? Where do I start?

Life Insurance? Where do I start? Life insurance is an important part of financial planning, but understanding insurance and purchasing the right product can be confusing. While you should rely on the expertise and recommendations of your insurance agent, it’s always a  good idea to do your own research. Here are five factors to consider before you buy […]

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Nothing is more romantic than talking about your finances

| February 14, 2013 | 3 Comments
Nothing is more romantic than talking about your finances

  Since Valentine’s day is near I thought I would talk about what is running through the minds of everyone  trying to find that special gift to show their spouse how much they love them, “Do I have enough room on my credit card to buy that box of chocolates and flowers?”  Financial trouble, and […]

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How can you tell if your suffering from a holiday spending hangover?

| January 27, 2013 | 1 Comment
How can you tell if your suffering from a holiday spending hangover?

It’s the middle of January and the Christmas bills should start rolling in. If your like most families you ended up spending a little more than you planned to over the holidays. I’m not going to start with the “You outta know better” guilt trip, instead I’d rather give you some help diagnosing and getting […]

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