BJ Taylor CFP

BJ Taylor CFP I help families and business owners make confident financial decisions through thoughtful planning and personal insurance strategies.

Through our highly knowledgeable management team, I am able to "Taylor" a plan designed specifically to fit your needs. I have immediate access to an extensive platform of major insurance providers, as well as our smaller partners who offer a wide range of niche products. Feel free to contact me, there are no obligations and consultation is free.

07/14/2026

For a lot of people, the first thing they think about with life insurance is paying off the mortgage.

Which makes sense. It's usually the biggest debt.

But for a lot of families, paying off the mortgage isn't enough. The income that was supporting everything else needs to be replaced too.

Because if it stops, it's not just the mortgage that becomes a problem. It's groceries, childcare, bills, everything that paycheque was taking care of.

Happy to help if you want to take a closer look.

07/07/2026

When you get a mortgage, life insurance through your lender usually comes up in the same conversation.

It's convenient and it gets set up quickly. But there are a few things about it that aren't always obvious.

The benefit goes to the lender, not your family. The coverage decreases as the mortgage gets paid down. And it's tied to the loan, so it doesn't necessarily follow you if you move or refinance.

A personal policy works differently. The money goes directly to whoever you choose, the coverage stays level, and it follows you regardless of what you do with the property.

It's worth understanding which one you have and what it's actually doing for your family.

Happy to help if you want a closer look.

06/16/2026

A question I hear fairly often, usually said with a bit of a laugh:

"We keep saying we need to get a will done."

Most people who say it aren't being careless. Life is busy. It doesn't feel urgent on a normal Tuesday.

But a will isn't really about what you own. It's about who makes decisions if you can't. Who looks after the people who depend on you. Who knows what you actually wanted.

Those aren't small things to leave to chance.

If it's something you've been meaning to get to, this is a good reminder that it doesn't have to be complicated. It just has to get done.

Happy to point you in the right direction if you're not sure where to start.

06/02/2026

Most people set up their life insurance and never really look at it again.

When they bought a home. When they had kids. When it came up at work.

It made sense at the time. It fit where they were.

But life keeps moving. The coverage usually doesn't.

A family grows. A mortgage gets paid down. Income changes. Sometimes a relationship does too.

None of that automatically updates a policy. And most people don't think to look until something prompts them to.

If it's been a few years since you've looked at yours, it's probably worth a few minutes to make sure it still fits where you are today.

Happy to help if you're not sure where to start.

05/26/2026

It’s easy to think investing is mostly about picking the right portfolio.

But over time, I’ve found the bigger difference usually comes from how everything around the investments is structured.

Liquidity.
Taxes.
Debt.
Income needs.
How comfortable someone actually is during difficult markets.

Two people can have very similar investments and still end up with very different results depending on how the overall plan is put together.

05/19/2026

One of the hardest parts of financial planning is that most important decisions have to be made before the outcome is known.

Before markets recover.
Before health changes.
Before something unexpected happens.

That’s why good planning usually has less to do with prediction and more to do with preparation.

The goal isn’t to guess the future perfectly. It’s to make sure a bad moment doesn’t permanently change the long-term picture.

05/06/2026

A common assumption with mortgage insurance is that as long as the mortgage is covered, everything is taken care of.

But the coverage often decreases over time, while the cost stays the same.

And it’s tied to the loan, not the person or family behind it.

So, while the debt may be covered, the bigger question is what happens beyond that.

The mortgage is just one piece of the overall picture.

04/28/2026

One thing that catches people off guard is assuming their insurance works a certain way, without ever really confirming it.

Especially with coverage set up through a mortgage or through work.

Who owns it.
How it pays out.
Whether the amount stays the same over time.

Those details aren’t always obvious.

And they tend to matter most at the exact moment no one wants surprises

04/21/2026

I was sitting down with someone recently who wanted to compare mortgage insurance to a personal policy.

On the surface, it seems straightforward. Cover the mortgage.

But once you start looking at the bigger picture, the conversation usually shifts.

For someone with a family, it’s not just about the debt.

It’s about replacing income, maintaining stability, and making sure their family is taken care of.

The mortgage is just one piece of that.

04/14/2026

When people take on a mortgage, it’s common for insurance to be part of that conversation.

It’s simple, convenient, and gets set up at the same time as everything else.

But often the coverage is tied directly to the loan, not to the person or family it’s meant to protect.

As the mortgage decreases, so does the coverage.

Which raises an important question, is the goal to protect the debt, or to protect the people behind it?

Address

389 Connell Street Unit 100
Woodstock, NB
E7M5G5

Telephone

+15063252250

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