Your financial future, simplified.
I help BC residents — individuals, couples, and families — navigate complex financial decisions, secure government grants, and build lasting wealth without the confusing jargon.
Sarah Lovett
Life and Accident & Sickness Insurance Agent · WFG · Victoria, BC
No pressure. Ever.
Every conversation is educational first. You'll never feel pushed toward a product you don't need.
There's almost always something being missed. Let's find yours.
Government grants, unclaimed savings room, underperforming investments, overlooked protection gaps, and tax savings hiding in plain sight — for individuals and families alike.
Questions are always welcome. Calls are always free.
Wherever you are in life — 26 or 66, single or married, just starting out or starting over — conversations are always free and always honest.
Financial services built for real BC families
Whether you're looking to protect your loved ones, save for the future, or maximize government grants, I provide clear, actionable guidance.
Life Insurance
Protect your family's future with the right coverage. We'll help you find policies that fit your life and budget.
RDSP
Canada's most underused savings plan. Up to $4,500/year in free government money.
RRSP & Investments
Grow your wealth strategically with tax-advantaged accounts. Tailored investment portfolios for your long-term goals.
Financial Planning
Comprehensive roadmaps for your financial journey. From debt management to retirement planning, we cover it all.
Critical Illness Insurance
2 in 5 Canadians will be diagnosed with cancer. A tax-free lump sum when you need it most — so you can focus on recovery, not bills.
Child Life Insurance
Lock in your child's insurability for life and build tax-sheltered cash value from day one. The earlier you start, the more powerful it becomes.
Run your own numbers
No sign-up. No jargon. Just your real numbers in seconds.
Explore tools for RRSP growth, TFSA savings, FHSA first home buying, retirement income, mortgage payoff, debt payoff, and more.
View all 20+ calculators →Looking for more? We have 20+ free financial calculators available.
These calculators provide estimates for educational purposes only. Actual rates of return, grants, and insurance needs will vary based on individual circumstances, market conditions, and underwriting.
What's your Financial Independence Number?
The exact amount you need saved to retire on your own terms — calculated in seconds.
Your current age today.
The age you plan to stop working.
How much you want to spend per year in retirement (in today's dollars).
The average annual growth rate of your investments before retirement.
The average annual rate at which the cost of living increases.
Your FIN Number
$2,717,042
To retire at 65 with $60,000 per year in today's dollars, you need $2.7M saved. Starting at 35 you need to invest $2,227/month at 7% annual return to get there.
Book your free call →Calculations are estimates based on standard financial planning assumptions. Individual results vary — always consult a licensed financial advisor.
Most BC families are missing this government money.
The Registered Disability Savings Plan (RDSP) offers incredible government matching grants and bonds. Don't leave money on the table that could secure your family's future.
$3,500
Max Grant / Yr
$1,000
Max Bond / Yr
Ready to take the first step?
No obligation. No jargon. Just an honest conversation about what's possible for your family.
Wondering if your family qualifies for the RDSP?Ask Sarah in the message box — it is the most common question she gets and she loves answering it.
