Our Services
At Onvisor, we are committed to empowering you with comprehensive financial solutions tailored to your unique needs. Whether you're planning for the future, investing wisely, or seeking expert advice, we offer a broad spectrum of services designed to support your financial journey. We utilize modern technology tools to enhance your experience, providing a connected and efficient journey.
Insurance Solutions
As a licensed insurance broker since 2008, Marcel specializes in personalized insurance planning.
Our offerings include:
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Life Insurance: Protect your loved ones with tailored policies that fit your needs and budget.
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Disability Insurance: Ensure your income remains secure if you're unable to work.
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Critical Illness Insurance: Gain peace of mind with coverage that supports you during unforeseen health challenges.
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Business Protection: Safeguard your business with key person insurance, buy-sell agreements, and business creditor coverage. Protecting your enterprise ensures continuity and security against unexpected events or loss of key personnel.
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Tax & Estate Planning: Use insurance strategically to manage tax liabilities, preserve wealth, and facilitate smooth estate transfers. Life insurance policies can provide liquidity at death, cover estate taxes, and ensure your legacy is protected.
We conduct thorough needs assessments and provide clear, one-page options sheets—covering different product types and price points—so you can make informed decisions. To enhance understanding and convenience, we utilize screen recording videos to recap meetings and walk you through documents, ensuring clarity and confidence in your choices. We also use electronic signatures for fast, secure paperwork, streamlining the application process. Our process is client-centered, transparent, and designed to guide you efficiently from consultation to application, all through virtual meetings that save you time and travel.
Investment & Wealth Management
Onvisor partners with top-tier platforms and firms to offer accessible investment management services tailored to your needs:
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Automated Investment (Nest Wealth): Nest Wealth is a leading modern digital investment platform that provides low-cost, automated investment management through ETFs. It offers automatic rebalancing, a personalized risk profile for each investor, and a transparent fee structure—making it an excellent choice for those seeking efficient, cost-effective growth without the complexity of traditional investing.
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Active Portfolio Management (Louisbourg): For clients with $250,000 or more to invest, we partner with Louisbourg Investments, a prestigious management firm based out of Moncton, NB. Louisbourg offers personalized, active management strategies designed to optimize growth and manage risk. This premium service suits investors looking for a hands-on approach, with professional oversight and tailored investment portfolios.
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Segregated Funds: Segregated Funds are insurance-based investment products offering unique advantages such as capital protection, estate benefits, and potential probate savings. They function like mutual funds but often include maturity guarantees and death benefit guarantees, providing both growth potential and peace of mind. Segregated Funds are especially suitable for those seeking a balance between investment growth and security, along with benefits from estate planning and creditor protection.
Whether you're starting small, building a significant portfolio, or seeking a protected investment option, we customize solutions based on your financial goals and risk tolerance. Our fee structures are competitive, transparent, and designed to help you maximize your returns. We also use electronic signatures for fast, secure processing, and streamline your paperwork, and conduct virtual meetings when suitable, saving you time and money.
Financial Planning & Advice
More than just investments, we offer comprehensive financial planning services designed to adapt to the realities of your ever-changing life. For families who choose to have their wealth managed through our services, we provide:
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Retirement projections
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Debt management
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Estate planning
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Tax strategies
Unlike many of our competitors who rely on bulky, lengthy plans and projections that often fail to adapt to life's changes, we use a more digestible, step-by-step, bite-sized planning approach. This involves the client at each step, helping them discover their financial roadmap gradually, providing flexibility and adaptability without compromising quality.
We also employ a proprietary "Accumulation Cascade" strategy to manage savings and investment accounts. This simplifies Cash, RRSP, TFSA, real estate, and businesses into 3 distinct "buckets" that we track and manage. This clarifies when and how these will be used during both wealth accumulation and de-cumulation phases, providing a clear, actionable plan for your financial future.
Our goal is to help you build a solid financial foundation and plan for long-term success. As a licensed financial planner, Marcel provides expert guidance, ensuring your financial plans align with your aspirations. For each consultation, we can use Notta (with your consent) to record, summarize, and track action items, ensuring nothing is missed and follow-up is seamless. We conduct our meetings virtually whenever suitable to save you time and travel costs.
Coaching & Educational Programs
OnVisor is dedicated to enhancing financial literacy and empowering individuals and teams to take control of their financial futures. We offer a range of educational programs designed to meet diverse needs.
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Plan Your Finances Online Academy: Master your finances at your own pace with our comprehensive online course. Access on-demand video lessons and utilize financial tools designed to build your knowledge and confidence in managing your money effectively. Visit the PYFP Academy to learn more and start your journey today. Each participant receives complimentary access to this academy upon enrolment in a workshop.
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1-on-1 Financial Coaching: Get personalized advice and actionable strategies in a virtual session with Marcel LeBlanc, CFP, CIM, a Certified Financial Planning Expert. Each session includes tailored insights and actionable steps to help you build personal wealth alongside your career success. For each consultation, we can use Notta (with your consent) to record, summarize, and track action items, ensuring nothing is missed and follow-up is seamless.
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Financial Wellness Workshops: Empower your team with expert-led workshops designed for today's professionals. Our interactive workshops, built on the proven framework of the Plan Your Finances Project (PYFP), provide tangible tools and strategies that participants can apply immediately. Choose the format that best fits your team's schedule and goals:
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90-Minute Workshop: Covers one core financial module, making it a powerful, condensed session perfect for a lunch and learn, including a dedicated Q&A session with Marcel.
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Half-Day Workshop: A deep dive into key areas of personal finance, including interactive exercises and extended Q&A.
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Full-Day Workshop: A comprehensive masterclass in personal finance, featuring multiple Q&A sessions and group activities.
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Exclusive Workshop Added-Value: Every workshop participant receives complimentary access to the complete Plan Your Finances Online Academy. You can also extend the impact of the workshop by providing your team with confidential, one-on-one follow-up coaching. Pre-pay for coaching sessions with Marcel for your employees at a discounted rate.
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Our coaching packages and workshops are designed to be flexible, allowing you to select the options that best suit your schedule and financial objectives. Whether you're a business owner, a professional, or an organization invested in the financial well-being of its employees, OnVisor provides the tools and expertise you need to unlock your financial blueprint.