Insurance protection · Savings education · Ontario
No pressure. No one-size-fits-all pitch. Just a practical conversation about your insurance needs, savings questions, and the next step that fits your family.
Guelph-based · Virtual appointments across Ontario · Complimentary initial conversation
Built around what matters to you.
One dedicated point of contactDirect guidance, without the handoffs.
01 Straight answers
02 A plan built for you
03 Direct access to Carmine
04 Ongoing reviews
Why I do this work
I didn't get into financial services because I grew up dreaming about insurance or investments. I got into it because life changed the way I looked at money.
For nearly two decades, most people have known me through policing and training. That work taught me to stay calm, make complicated information understandable, and focus on what actually matters.
Having a daughter with additional needs made financial planning deeply personal. It forced my family to think differently about protection, flexibility, and the future—and showed me how valuable the right guidance can be when life doesn't follow a neat script.
Today, I bring that same practical, people-first approach to every conversation: listen first, explain clearly, and help you build a plan you understand and can live with.
How I can help
We start with your real situation—not a product. Together, we look at what needs protecting, what you're working toward, and the most useful next step.
Insurance recommendations and insurance-based investment products are limited to my Ontario licence and active insurer appointments. Registered-account and RDSP information is educational; services outside that scope require an appropriately qualified professional.
Life, critical illness, and disability insurance structured around the people and responsibilities that depend on you.
General education about registered accounts and, where suitable, segregated fund contracts offered by insurers. We discuss risk, fees, and contract terms before any recommendation.
A parent's perspective on insurance protection and savings questions for families thinking about long-term care and support.
Already have insurance or segregated fund contracts? I'll help you understand their coverage, costs, and terms before considering any change.
Who I work with
You don't need to have everything figured out before we talk. You just need a reason to want a clearer path forward.
Young professionals and familiesBuilding a foundation while life moves quickly.
First respondersConsidering workplace benefits alongside family protection.
Families with additional needsPlanning for security, flexibility, and the long term.
Anyone seeking a second opinionUnderstanding what you have before deciding what comes next.
What working together looks like
The goal is not to overwhelm you with information. It's to give you enough clarity to make a confident decision.
We talk about your goals, family, debts, benefits, concerns, and what prompted the conversation.
I review what you already have, identify gaps or opportunities, and explain the trade-offs in plain language.
If you choose to move forward, we put the plan in place and revisit it as your life changes.
Common questions
No jargon. No mystery. Here's what people often want to know first.
No. Good planning is about giving your money direction. Starting earlier—even with modest amounts—can create more options over time.
Yes. The initial conversation is complimentary and there is no obligation to move forward. Any product costs, fees, and applicable compensation will be explained before you make a decision.
Yes. We can review insurance policies, segregated fund contracts, and workplace benefits within my licensed scope. For securities, pension administration, tax, or legal advice, I can help identify when another qualified professional is needed.
I may receive commissions or other compensation when products are placed or maintained. Products can carry premiums, fees, and other charges. Insurer representation, compensation, and relevant conflicts of interest will be disclosed in writing before you decide to proceed.
I work with options through Beneva, iA Financial Group, Canada Protection Plan, Manulife, and The Edge Benefits. Available products remain subject to my active licence, appointments, suitability, eligibility, and provider availability.
No. Virtual appointments are available for Ontario residents. I am licensed in Ontario; products remain subject to eligibility, suitability, and insurer availability.
Your next step
Tell me what's on your mind, what you're trying to solve, or what you want a second opinion on. The first conversation is simply a chance to see whether I'm the right person to help.
Book an appointment through Zoom Scheduler, or contact me by phone or email. The initial conversation is complimentary and carries no obligation. Please avoid including sensitive personal, medical, or financial details in booking notes or email.
Book online: Financial Assessment with Carmine Bonacci (opens Zoom Scheduler in a new tab)