Insurance should help protect the people, income, business and plans that matter most.
Matthew Lawrence helps individuals, families and business owners understand their risks and put appropriate protection in place without unnecessary complexity.
Matthew Lawrence, QAFP®
Financial Advisor
With Blue Harbour Financial
Families grow. Income changes. Mortgages and business obligations evolve. Workplace benefits can change or disappear.
Policies purchased at different times may never have been considered together. Eventually, it can become difficult to know what is protected, what depends on assumptions and where a meaningful gap may exist.
A clear insurance strategy begins with who and what depends on you, the coverage you already have and what a serious disruption could mean financially.
Together, we consider your responsibilities, priorities and budget before discussing possible solutions.
The objective is not the most insurance. It is protection with a clear purpose.
Discuss who and what depends on you.
Understand your existing coverage and potential risks.
Choose protection that fits your needs and budget.
You work directly with Matthew throughout the process, with each recommendation explained in plain language.
His QAFP® background provides a broader perspective on how insurance connects with income, debt, retirement, estate considerations and business continuity.
Clear explanations. Thoughtful recommendations. No unnecessary complexity.
Help protect the people who depend on your income and the plans you are building together.
Consider how your income and financial responsibilities would be affected by an illness or disability.
Help protect ownership arrangements, important people, business obligations and continuity.
Consider how insurance can support estate liquidity, beneficiaries and the orderly transfer of what you have built.
Matthew can help with life insurance, disability insurance, critical illness insurance and insurance strategies for business owners. The appropriate options depend on your circumstances and objectives.
Coverage needs are influenced by income, debts, dependants, existing assets, workplace benefits and future obligations. A review helps turn those considerations into a practical estimate rather than relying on a generic rule.
Yes. Existing coverage can be considered before discussing whether any changes are appropriate. A policy should not be cancelled until replacement coverage has been approved, accepted and placed in force.
No. The first objective is to understand what you already have and whether it still fits. You decide whether any recommendation makes sense for you.
You do not need to know which type of insurance you need, or how much coverage would be appropriate, to begin.
Complete the short form and tell Matthew what matters most, what coverage you already have or what question is on your mind. He will follow up personally to discuss the next step.
