Greenfeld Financial Management

03/03/2026

We are hiring for the position of Associate Financial Advisor!

Greenfeld Financial Management is an independent wealth management firm located in South Delta, BC and has been in business for 32 years. We provide retirement planning, estate planning, insurance, loans/banking and other referral products for residents in BC and Alberta. Jeffrey Greenfeld, the owner, provides investment management and is licensed with iA Private Wealth Inc., a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization.

POSITION SUMMARY:
The Associate Financial Advisor’s primary focus is to proactively grow the Assets Under Management (AUM) for the branch office by attracting new clients as well as maintaining relationships with existing clients. The Advisor will assist clients in securing their financial goals by reviewing their investment objectives and risk tolerance while recommending suitable wealth management solutions that reduce risk through disciplined rebalancing. The job requires commuting to our office in South Delta.
Contact [email protected] for more information.

02/19/2026

Some of you may be lucky enough to have group health and dental plan (H&D) through your employer. While the Canadian Dental Care Plan addresses dental coverage for eligible seniors, many clients are concerned about rising health costs during their upcoming retirement.

While there are a variety of options for H&D plans available for retirees, plan acceptance may hinge on them having an existing group plan or a clean bill of health

FollowMe™ H&D plans can help fill the gap.

Manulife Insurance* is currently running a promotion that opens enrollment for both FollowMe™ Basic and FollowMe™ Enhanced. It is now available with no requirement to transition from a group plan to an individual plan after retirement.

This open-enrollment initiative offers guaranteed-issue health and drug coverage (excludes dental), with no medical questions asked. For anyone with pre-existing health conditions, it is a great opportunity for them to receive flexible, reliable coverage without the usual questionnaire.

This offer is available for a limited time, starting July 1, 2025, to June 1, 2026, only to Canadian residents aged 18 to 69.

As more Canadians gain access to publicly funded dental care through CDCP, many are now looking for health and drug coverage without dental — and that’s precisely what FollowMe™ offers. Designed for simplicity, accessibility, and affordability, these plans fill a growing gap in today’s insurance market.

If you need H&D coverage but are concerned about the ability to get a plan, FollowMe™ may work for you.

If so, contact me before June 1st to get your enrolled.

12/01/2025

What a fun night last Thursday at the LBA Tree Lighting Festival in the Ladner Village! We had over 60 family groups visit our photo booth to take some festive photos! Thanks to the LBA for organizing the event and thanks to Chris from VanCity Photo Booth for doing a great job taking the photos!
Ladner Business Association Vancity Photo Booth - Vancouver Photo Booth

11/25/2025

Be sure to stop by our tent at the 13th Annual Tree Lighting Festival and snap a festive picture at our holiday photo booth! It’s the perfect way to capture the magic of the evening! 🙌 Receive a free 4x6 postcard and access to your digital gallery! Free Girl Guide Cookies to the first 100 families!

📅 Thursday, November 27th | 6–7:30pm
📍 Ladner Village — Corner of 48th Avenue & Delta Street

💼 Greenfeld Financial is proud to be part of the Ladner community, offering trusted financial planning, investment, and insurance services to help families and local businesses achieve their goals. Our team is dedicated to building lasting relationships and supporting the community we serve. 💙

10/22/2025

Unstable, volatile or unpredictable – they’re the perfect ingredients for a heart-pounding film or gut-wrenching Stanley Cup final game.
But for money matters? Not so much.
A particularly timely situation facing many of my clients is the uncertainty created by policies south of the border. Clients are wondering how the market volatility will affect their
retirement portfolio and their long-term goals.

To that end, one product to consider is the Antrim balanced mortgage fund option.

This fund is Canada’s largest residential Mortgage Investment Corporation (MIC) and offers investors with a steady stream of interest income by investing in a diversified portfolio of
residential first and second mortgages. It’s a way for investors to be part of the Canadian real estate market without purchasing real estate directly.

Steady returns in turbulent times
Investors in the Antrim fund can expect to receive four quarterly payments plus an annual top-up. The Antrim Balanced Mortgage Fund has never had a quarter it has not paid a dividend since its inception in 2007. These investors have enjoyed decades of safe and steady returns, where the expected volatility drops immediately and security is locked in over time, especially in inflationary and rising-rate environments. Antrim investors earned more than 10% during the economic crisis in 2009.

Since Trump’s declaration of Liberation Day tariffs, there's been a lot of volatility and a lot of concerns that people have and they're not sure exactly where they should be investing.

The beauty of the MIC is that it’s invested only in mortgages. Antrim lends to borrowers who do not meet the bank’s strict debt servicing ratios, due to self-employment and income-splitting techniques to reduce income taxes. This route may for those who are self-employed or others who are new to Canada
who may have difficulties securing a mortgage from their bank.
The reason banks don't give mortgages to them is because they have no credit history and the banks aren’t interested in dealing with them. Antrim is a way to work around those issues.

If market fluctuations are a concern for you, the Antrim MIC provides you with low volatility, a superior yield, real security, a steady income and most importantly, an investment product that is relatively easy to understand.

10/16/2025

Renewing your mortgage?

I’m excited to invite you to an exclusive Manulife Bank webinar where we’ll explore how Manulife One can help you take greater control of your finances and potentially save you thousands of dollars in mortgage interest!

Webinar Details:

Topic: Discover a Path to Becoming Mortgage-Free Sooner
Date: October 29th
Time: 6:00pm PST
Duration: 60 min (45 min presentation + 15 min Q&A)

What You'll Learn:
How Manulife One can simplify your finances by consolidating your debts and savings into a single account.
Strategies to reduce interest costs and pay off your mortgage faster than with a traditional mortgage.
Accessing the equity in your home in times of need or various financial goals like a home reno or travel.
Real-life success stories from Manulife One users.

With interest rates and inflation putting pressure on cash flow, it's more important than ever to make your money work smarter. That’s why I’m teaming up with Ardy Hossein-pour from Manulife Bank to introduce a flexible banking solution that combines your mortgage, savings, and income into one powerful account.

This session is informative only— designed to provide clear, actionable insights that could make a real difference in your financial plan, and your attendance will be completely confidential. Other participants will not see your name or contact information.

I have assisted many clients in becoming mortgage free faster!

Reserve your spot—we’d love to have you join us.
https://manulife-johnhancock.zoom.us/webinar/register/WN_0PbltBCwQPyfR8aIN6aXXA #/registration

Zoom unifies cloud video conferencing, simple online meetings, and cross platform group chat into one easy-to-use platform. Our solution offers the best video, audio, and screen-sharing experience across Zoom Rooms, Windows, Mac, iOS, Android, and H.323/SIP room systems.

10/09/2025

Thinking about what kind of legacy you will leave behind? If you are, consider these seven sins of estate planning:

1. Not having a valid will in place
Dying without a will in Canada means your assets will be distributed according to provincial laws, and someone needs to apply to the courts to become an Administrator.
2. Inappropriate choice of executor/trustee
An executor should be someone who has the ability and time to deal with the estate. Do not appoint your adult child if they don’t have a suitable the skill set.
3. Overlooking sentimental value
If your estate includes sentimental items such as a family cabin, leave clear instructions for their distribution. Do not leave it up to the executor to decide.
4. Lack of care in registered products
Registered accounts in BC such as RRSPs, RIFs, and TFSAs can bypass a will but failing to name a beneficiary subjects them to probate fees and potentially significant taxes.
5. Blended family challenges
If your estate plan includes a blended family, a life insurance policy with irrevocable beneficiaries can help guarantee that children receive their intended inheritance.
6. Simplification of asset distribution
Naming beneficiaries on specific assets ignores the fluctuation of asset values and tax consequences. One solution is to have a life insurance policy designed to cover estate taxes, ensuring equality amongst the children.
7. Overlooking Healthcare and financial issues while you are alive
Representation Agreements and Powers of Attorney (POAs) ensure someone can manage your health, financial and legal matters for you.

Read in more detail on my blog: https://www.greenfeldfinancial.com/post/the-seven-sins-of-estate-planning

09/01/2025

Wishing you all a great labour day today! Hopefully you get a chance to enjoy spending time with family and friends in your part of Canada!

08/27/2025

A particularly timely situation facing many investors is the uncertainty created by policies south of the border. People are wondering how the market volatility will affect their retirement portfolio and their long-term goals.

To that end, I emphasizes the Antrim balanced mortgage fund option.

This fund is Canada’s largest residential Mortgage Investment Corporation (MIC) and offers investors with a steady stream of interest income by investing in a diversified portfolio of residential first and second mortgages.​ It’s a way for investors to be part of the Canadian real estate market without purchasing real estate directly.

Call me to learn more!


This information has been prepared by Jeffrey Greenfeld, who is a Senior Wealth Advisor for iA Private Wealth Inc. Opinions expressed in this article are those of Jeffrey Greenfeld only and do not necessarily reflect those of iA Private Wealth Inc. iA Private Wealth Inc. is a member of the Canadian Investor Protection Fund and the Canadian Investment Regulatory Organization. *Insurance products and services are offered through IA Private Wealth Insurance Agency, an independent and separate company from iA Private Wealth Inc. Only products and services offered through iA Private Wealth Inc. are covered by the Canadian Investor Protection Fund. Mortgage Investment Corporations (MICs) are not guaranteed and information on returns is based on past performance, which may not reflect future performance. MICs may be associated with commissions, trailer fees, management fees and other expenses

07/23/2025

Take me out to the ball game...thanks to all my clients who joined our team on Saturday for an evening of baseball, popcorn, cheering, and bevies! A perfect way to spend a summer night in Vancouver!

07/10/2025

If you are a homeowner, you have experienced the mortgage insurance discussion with your banker. If your down payment is less than 20% of the home’s purchase price, then the insurance becomes mandatory. If not, there are many better options.

Mark and Sarah, a couple in their mid-30s are contemplating purchasing a two-bedroom townhouse. After some disciplined saving, they have a 25% down payment of $212,000. When meeting with their mortgage specialist, he suggested adding mortgage insurance in case they couldn’t make the payments.

When your lender offers you insurance, what your lender is really asking you to do is protect their company. The coverage is designed as creditor protection and the benefits would be used to pay off any remaining mortgage balance, no matter what other needs you have.

Synergy® – Protects you, not the bank!
Unlike traditional mortgage insurance that primarily protects the lender, Synergy® is designed with Mark and Sarah in mind, offering greater flexibility and complete control over their coverage. Synergy is a 3-in-1 plan that covers life, critical illness or disability, all under one plan. They can choose from $100,000 to $500,000—this becomes their pool of funds. If life takes an unexpected turn, the benefit is paid out from that pool.

Purchasing Synergy® put Mark and Sarah in the driver’s seat
If something were to happen to either of them, they can now decide how to best use the proceeds of the policy rather than giving the bank the ability to determine how to use their money.