Financial and insurance advice that's actually explained to you
Samantha Lo helps people across Canada (outside Quebec) protect their families, plan for retirement, and save for what's next, without the jargon.
Get a Free, No Obligation Consultation
Send a few details and I'll get back to you, usually within one business day.
How we'll work together
Three steps, no surprises.
Comprehensive Assessment
We start by understanding your full financial picture, income, assets, existing coverage, and what you're actually trying to protect or build toward.
A Plan Built Around You
We compare the options available to me and put together a plan that fits your budget and goals, not a one-size-fits-all package.
Ongoing Support
Life changes, so the plan should too. I check in over time rather than disappearing once the paperwork is signed.
Six areas, one advisor
Coverage and planning that usually gets handled by three or four different people, in one place.
Life Insurance
Coverage sized to actually protect the people who depend on your income.
Learn more →Health & Disability
Protecting income and covering costs if illness or injury gets in the way.
Learn more →RRSP & Investments
Retirement and investment planning, registered and built around your goals.
Learn more →RESP Planning
Education savings that make the most of available government grants.
Learn more →Tax Deductions
Making sure your insurance and RRSP contributions are actually working in your favor at tax time.
Learn more →Estate Planning
Making sure your beneficiaries and accounts actually reflect your wishes.
Learn more →What makes working with me different
A general look at how a dual-licensed independent advisor compares to some of the other ways people get insurance and investment advice.
| Feature | Samantha Lo | Single-License Advisor | Bank Branch Advisor | Online-Only Platform |
|---|---|---|---|---|
| Licensed for both insurance and investments | ✓ | × | ~ | × |
| One advisor for multiple financial goals | ✓ | × | ~ | × |
| Personalized, one-on-one planning | ✓ | ✓ | ~ | × |
| Free educational calculators and guides | ✓ | ~ | ~ | ✓ |
| Serves clients across Canada (outside Quebec) | ✓ | ~ | ~ | ✓ |
| No cost, no obligation first conversation | ✓ | ~ | ~ | ~ |
A few calculators to start with
No email required to try these, just plug in your numbers.
Mortgage Payment
Estimate a monthly payment from home price, down payment, rate, and amortization.
Try it →RRSP Tax Savings
See roughly how much of an RRSP contribution could come back as a tax refund.
Try it →TFSA vs RRSP
Compare how the same amount could grow in each account, after tax, by retirement.
Try it →Life Insurance Needs
A quick estimate of how much coverage a household might want.
Try it →What clients say
Real reviews from Google.
I've been working with Sam for a while and I couldn't be happier with her. She is super easy to communicate with and she has been knowledgeable throughout each process. I appreciate her genuine support and expertise!
Highly recommend Sam and Henry, they are super helpful with my questions and needs and always think from a clients perspective. Keep it up!
Why work with Samantha Lo
I got into this work because I kept watching friends and family make big financial decisions without anyone walking them through the actual tradeoffs. I wanted to be the person who explains things clearly first, and sells second. Every plan starts with understanding your full picture, not just the product I'm licensed to sell you.
Read the Full StoryAccess to multiple insurance & investment providers
Working with more than one company means finding the option that actually fits your situation, not just what one insurer offers.
A couple recent posts
General, composite scenarios covering the situations people ask about most.
No posts published yet, once you publish your first one, it'll show up right here.
Ready to talk it through?
No pressure, no obligation, just a conversation about where things stand and what might make sense.
Book a Consultation