Independent Guidance
We work for you, not one insurance company.
Insurance & Insured Investment Group
Protect what you've built. Plan for what comes next.
Independent insurance and insured-investment guidance for families, professionals, and business owners.
Proudly serving Newfoundland and Labrador, Ontario, Alberta, and British Columbia.
Clear advice. Careful structure.
Coverage, insured investments, and estate conversations reviewed around your real life.
Access to Top Providers
Multiple options. One trusted advisor.
Strategies for Today & Tomorrow
Insurance, investments, and estate strategies that grow with you.
Long-Term Relationships
We're here for the moments that matter most.
Advisor-led planning, reviewed with care
Founder-Led Guidance
Guidance built on trust, experience, and care.
SpencerKatz Financial supports families and business owners in Newfoundland and Labrador, Ontario, Alberta, and British Columbia with insurance and insured-investment conversations that require care, clarity, and long-term attention.
Our founders bring more than six decades of combined experience to the table. Their work in financial services began over thirty years ago, with a shared focus on helping clients understand their options before decisions are made.
We help clients review coverage, compare available strategies, and revisit planning as needs change.
30+
Founder-Led
More than three decades of relationship-based service and client review conversations.
60+
Years of Experience
Six decades of combined experience informing careful insurance and planning guidance.
25+
Provider Access
Access to leading financial service providers through one independent advisory team.
Comprehensive Solutions
Protection and growth, tailored to your life.
We help compare options across protection, benefits, insured investments, and estate conversations so decisions feel structured instead of rushed.
Life Insurance
Term, whole life, and universal life options reviewed around family, business, debt, income, and estate needs.
Critical Illness
Coverage conversations designed to protect cash flow when diagnosis, recovery, and time away from work collide.
Disability Insurance
Income protection for professionals and business owners whose ability to earn is central to the plan.
Insured Investments
Segregated funds and insured strategies that may combine growth potential, guarantees, and estate features.
Group Benefits
Benefit conversations for companies that want thoughtful options for attracting and supporting their teams.
Estate & Legacy
Planning conversations that consider liquidity, beneficiaries, business continuity, and long-term family intent.
Helpful Tools
Start the conversation with clearer numbers.
These quick tools are not recommendations. They are designed to make the first advisor conversation more productive.
Insurance calculator suite
Explore common starting points for life insurance need, disability income protection, and critical illness coverage.
Estimated life insurance conversation range
$1,450,000
Rounded to a practical planning conversation amount. An advisor should review product type, term, underwriting, budget, and suitability.
The tools above are educational only and use simplified assumptions. They do not provide financial, insurance, tax, accounting, or legal advice. Product availability, premiums, underwriting, fees, guarantees, and suitability vary by provider, province, and client situation.
How It Works
Simple, clear, and built around your time.
From first conversation to ongoing review, the process is designed to make insurance and insured-planning decisions easier to understand.
No pressure, no captive product shelf, and no disappearing after the application is signed.
Step 01
Discovery
We learn what you are protecting, who depends on you, and what decisions feel unclear.
Step 02
Compare
Available options are reviewed across providers, policy types, costs, guarantees, and fit.
Step 03
Structure
The recommended strategy is organized around budget, timing, underwriting, ownership, and beneficiaries.
Step 04
Review
As life changes, coverage and insured investment decisions can be revisited with context.
Why SpencerKatz
High-touch advice without the one-provider limitation.
Financial services can feel crowded. Our role is to slow the decision down, clarify the options, and help you move with confidence.
Listen First
Planning starts with your family, business, goals, and concerns before product comparisons begin.
Independent Access
More than 25 providers can be considered, subject to availability and suitability.
Plain Language
Fees, features, guarantees, limitations, and tradeoffs are discussed in direct terms.
Ongoing Review
Coverage and insured strategies should evolve when life, family, income, or business needs change.
Client Stories
The people we serve.
Different lives, different priorities, one shared need: advice that feels careful and personal.
I highly recommend SpencerKatz to anyone looking for a caring, cost-effective insurance partner. They made it easy to find the right coverage and truly transformed our financial security.
D
David L.Pastor
Knowing we can trust SpencerKatz to provide everything from protecting our assets to growing our wealth is really comforting.
S
Sophie P.Salon Owner
The advisors here are exceptional at what they do and deeply passionate about it. It is not just business for them; it is about making a positive impact on people's lives.
E
Emily A.Accountant
They went above and beyond to tailor their service to our unique needs. They made the world of insurance easy to navigate, and that peace of mind is priceless.
A
Ali R.Teacher
I cannot praise this team enough. Their dedication and expertise have made a significant difference in my personal and business life.
W
William F.Business Owner
Common Questions
Answers before you commit.
Financial decisions feel easier when the first step is clear. These are the questions clients often ask before booking a consultation.
What happens during the first consultation?
The first conversation is a no-obligation review of your goals, current coverage, budget, family or business needs, and the questions you want answered before comparing options.
How do I know what type of life insurance I need?
The right fit depends on dependents, debts, income, estate goals, business obligations, and how long you need protection. We help compare term, whole life, and universal life options against those needs.
Can you compare options across different providers?
Yes. With access to more than 25 financial service providers, we can compare pricing, features, underwriting fit, guarantees, and policy structure instead of relying on a single carrier.
What are segregated funds?
Segregated funds are insurance-based investment contracts that can offer market exposure, potential maturity and death benefit guarantees, and estate planning features. Fees, guarantees, risks, and conditions vary by contract.
What are living benefits?
Living benefits are insurance solutions designed to help protect income and cash flow while you are alive, including critical illness and disability coverage if illness or injury affects your ability to work or recover.
Can life insurance support retirement or estate goals?
In some situations, life insurance can help with estate liquidity, business succession, tax planning conversations, charitable giving, and legacy planning. Recommendations should be reviewed with licensed advisors and tax or legal professionals where appropriate.
Have a question specific to your family, business, or estate goals?
Book a ConsultationGet Started
Ready to talk about your goals?
Let's build a plan that protects what matters and supports what comes next.
Call 1 866 332-7056
Protection for real family life.
Insurance and insured-investment decisions are reviewed around the people, routines, and goals you are protecting.
Mailing AddressSuite 1730, 3230 Yonge St,
Toronto, ON M4N 3P6
Toronto, ON M4N 3P6
Office HoursMonday to Friday
9:00 AM to 5:00 PM
9:00 AM to 5:00 PM