KC & Associate Financial Services.

Financial Specialists are here to assist you in your Insurance & Investments Needs

 Business Consulting in Health, Life Solutions

Services

  • Short & Long Term Disability
  • Social Security Income Protection
  • Non Qualified Retirement Plan
  • Voluntary Insurance
  • Dental
  • Vision
  • Accident
  • Critical Illness
  • Cancer
  • Health Insurance
  • Individual
  • Group
  • Life Insurance
  • Individual
  • Key Person Insurance
  • Buy/Sell Agreement
  • Income Protection

Our Strategies

  • Insurance Planning
  • Investment Planning
  • Retirement Planning
  • Cash Flow Planning
  • Estate Planning
  • Tax Planning

Our Alliances

We represent 19 insurance companies and the Guardian Group of Companies including Guardian Capital Group Limited, Worldsource Financial Management Inc. and Worldsource Securities Inc…

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Investment products

Book Your Free Consultation

BOOK YOUR APPOINTMENT  GO TO OUR CALENDAR.   Click on any time to book for OUR SERVICES & Our Affiliate partners . 

Leave a message and we will get back to you as soon as possible. 

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More is $ check out our presentations.

What We Do – Services

WE OFFER A WIDE RANGE OF INSURANCE & INVESTMENT PRODUCTS

Health

Plan designs for group or individual through a variety of carrier options.

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Life

We offer both group and individual life insurance through our strategic. 

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Voluntary

Just having health insurance may not be enough.

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Income Protection

Investment, retirement, short term disability, long term disability and social security disability protection.

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Investment products

The value of advice!

Blue is the value for advice, Orange is no help!



What We Do

KC and Associate complies with IDC Worldsource.

Services

Quick Forms

Mortgage  Application  Form 

Life-Insurance Quote  Form

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If you want to grow rich in all areas of you life, please

GET YOUR PERSONALIZED  FREE QUOTE  CONTACT KC – SHARON

I am Unique

I will give you a Personal Financial review.

Please refer to my link,  Sharon Chartrand: Business Presentation,

Then we will determine your next possible action step.

AMORTIZATION
Shorter amortizations can cost you less interest and help you pay off your mortgage sooner. Since we’re pointing out the obvious, we should also note that making a bigger down payment and buying a cheaper house save interest as well. This is the type of generic advice that some mortgage commentators like to give while applauding the recent amortization reductions. Few media types have acknowledged that extended amortizations are actually a valuable tool when used… intelligently.
It seems that publicly advocating longer amortizations has become semi-taboo, almost like promoting legalized marijuana. But a borrower’s best interests are absolutely not always served by the shortest mortgage. When choosing an amortization, folks must ask two questions right off the bat: (i) Can I comfortably afford my mortgage if rates rise 3%, and (ii) Is there a better use of my cash flow than making larger payments on my mortgage? If the answers to these questions are both yes, then the longest possible amortization may be appropriate. In truth, lower amortizations provide net savings only if you have no better alternatives for the money that would have gone towards paying down your principal.
To put it another way, eliminating your mortgage quicker can actually cost you money if: a) the return on your excess disposable income is greater elsewhere, and/or
b) you have insufficient contingency funds. Certain types of people need to pay extra attention to the opportunity costs of shorter amortizations. They include:
• Investment property owners (who need to minimize payments to maximize cash flow)
• Self-employed borrowers (who need to reinvest in their business)
• Commission earners (who need to build contingency funds for lean months)
• Investors (who invest in higher-returning assets)
• Families (who need to pad their contingency funds, pay down higher interest debt, top up registered retirement accounts, or build education savings).
So before you jump on a shorter amortization because talking heads say it’s the right thing to do, carefully consider if lower payments would further your financial goals more.
(SOURCE: Mortgage Trends)

Blessings.

Sharon Chartrand

Please get in touch!               

GET YOUR PERSONALIZED
FREE QUOTE 

CONTACT KC – SHARON

Interested in our services?  Get in touch with us via the form below and we’ll get back to you as soon as possible! 

Contact Form

KC & ASSOCIATES, Financial Specialists

Hours of Operation

Mon-Fri: 9-5pm

Sat: 10-4pm

Sun: Closed

Address

Kelowna, BC

Phone: 604-835-7242

Email: sharonkchartrand@gmail.com

Sharon Chartrand,
Licensed since 2010 with excellent success and no canceled accounts to date.

Achievements / Awards .
*    #1 Personal Recruits  
* Top 5 in personal Points = $$.

Links

KC & ASSOCIATES

Financial Specialists are here to assist you in your Insurance & Investments Needs

LNM Financial Concepts.

Sharon Chartrand: Business Presentation, 

Financial Steps

SHARON CHARTRAND INDEPENDENT FINANCIAL CONSULTANT CERTIFICATES

KC & ASSOCIATES,

Anne Langlois

Financial Sales and Service Representative

Dental / Medical Group or Single Plans, Life Insurance 

For General Insurance 

  • HOMEOWNER
  • RENTER 
  • COMMERCIAL
  • CAR INSURANCE

GET YOUR PERSONALIZED  FREE QUOTE  

KC & ASSOCIATES 

Recommends that every one off our clients read 

CRA website

Canada Revenue Agency is a source to double check your Advisor is telling you the truth .

Individuals and families

Popular topics

Taxes

All about your tax return
Get, complete, and send in your tax return, NETFILE, payments, refunds.

Life events
When someone has died, when someone becomes disabled, when you move, and when you get married.

Capital gains and losses

GST/HST for individuals
GST/HST credits, rebates, homeowners.

Voluntary Disclosures Program
Taxpayers may avoid penalties or prosecution if they correct their tax affairs by making a disclosure.

Learning About Taxes
A course to help you understand the fundamentals of the Canadian tax system and to teach you how to file a basic income tax return.

All rates
Federal and provincial/territorial tax rates, prescribed interest rates, prescribed interest rates for leasing rules, exchange rates, mileage rates.

Community volunteer income tax program
Get or provide help filing income tax returns.

CPP/EI rulings
The CPP/EI Rulings Program is responsible for providing clients with rulings that indicate whether a worker is an employee or is self-employed.

Benefits

Child and family benefits
CCTB, GST/HST credit, UCCB, WITB, related provincial and territorial programs, child disability benefit, and benefits calculator.

Savings

Businesses

Sharon Chartrand
Owner, KC & ASSOCIATES & Le Natural Mall

604-835-7242 | sharonkchartrand@gmail.com |www.kcandassociate.ca | Kelowna, BC

SERVICE AREAS  

British Columbia 

Kamloops 

Salmon arm

Enderby

Kelowna 

Penticton 

Oliver Vernon

Okanagan Valley

to

  • City of Vancouver
  • North Vancouver
  • West Vancouver
  • Burnaby
  • New Westminster
  • Tri-cities
  • Port Moody
  • Belcarra
  • Anmore
  • Abbotsford
  • Coquitlam
  • Surrey
  • Langley
  • Port Coquitlam
  • Pitt Meadows
  • Maple Ridge
  • Mission

Our CONTRACTORS/Affiliate Contact info   

Contact Us

Kelowna, BC

Sharon (604) 835-7242

sharonkchartrand@gmail.com 

KC & Associates

kcandassociates.ca@gmail.com

Registered the .CA kcandassociates.ca

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