health care Plan


Private Health Spending Accounts - A Private Health Services Plan (PHSP) allows you to expense your medical and dental costs (for you and your employees) through your company. In 1988 CRA (Canada Revenue Agency) states that if your medical and dental benefits are administered through a third party arms-length administrator, they can be 100% tax deductible to your company. These benefits are also a 100% tax-free benefit to you and your employees.

This is a simple, cost-effective way to allow today’s Canadian business owners to provide flexible health care benefits to their employees with huge tax savings.

*Simple to Join

* Low Cost

* Great Coverage

Group Plans

Small businesses with as little as three employees qualify for a guaranteed issue group health and dental plan. Easy to administer, no underwriting, no family limitations, travel insurance included. Call to get a quote today!

Health & Dental

Individual Plan: Having your own medical plan is a smart way to fill the gap between those medical expenses that occur, but are not covered by government health plans.

Happy Clients Say


When I think of Janine Oliver the first word that comes to mind is professional. I have had several dealings with Janine and she is always honest; efficient and professional.Isnt that what you would like in a financial advisor? If you leave a message she gets back to you quickly and provides you a quote in a very timely manner.

I have also referred Janine's service and they are happy customers as well.

Janine is also very giving of her time to speak at various groups to help their members get a handle on their finances.

I know if you choose to deal with Janine you will not be disappointed.

- Carolyn Z.


Janine is the ultimate caring professional when it comes to talking about setting yourself up for financial success. Janine guided me through setting up a corporate health spending account to take advantage of services to keep me healthy as the CEO while maximise the tax advantages of doing so. I highly recommend Janine, she listens, only offers the products that would really work for you, and is a nurturing guide along the way.

- Michelle Andrischak CMT


Janine is honest, friendly, helpful, knowledgeable and not too pushy! Her passion for helping people with their finances really shows. Thank you for the help, Janine.

- Kim Free, CMT CEO and Educator with STGP, Social Media Expert, and champion of small business owners