CLU · Licensed in BC & Ontario
Tax and Estate Planning specialist
The plan behind the plan
Insurance and estate strategy for incorporated business owners, professionals and families who want the reasoning behind the recommendation — not a product pitch.
- Years serving Canadians
- 10
- Clients & families served
- 500+
Randy Rosenblat
CLU · HUB Financial Inc.
- CLU Designation
- HUB Financial Inc. · MGA
- Licensed in BC & ON
- Vaughan, Ontario
Who I help
Built for complexity, not volume
A smaller number of relationships, each with the depth the situation requires.
Incorporated business owners
CCPC shareholders balancing salary, dividends and retained earnings.
Professional corporations
Doctors, dentists, lawyers, accountants and engineers.
Self-employed professionals
Consultants and contractors without group coverage.
Young families
Building the financial foundation that everything else rests on.
High-net-worth individuals
$1M+ investable assets with tax-efficiency goals.
Ultra-high-net-worth families
$5M+ with estate and intergenerational transfer needs.
Real estate investors
Debt, liquidity and capital gains exposure at death.
Tech professionals & founders
Equity-heavy compensation and liquidity events.
Products & services
What I place, and what I plan
From straightforward term coverage to corporate structures that need a tax lawyer in the room.
Life Insurance
- Term Life (10 / 20 / 30 year)
- Whole Life (Participating)
- Joint Last-to-Die / Joint First-to-Die
- No-medical / Simplified Issue
Living Benefits
- Critical Illness Insurance
- Personal Disability Insurance
- Business Overhead Expense
Group Benefits
- Group Health & Dental
- Group Life & Disability
- Group Retirement (Group RRSP / DPSP / DCPP)
- Health Spending Accounts (HSA)
Advanced Planning
- Corporate-owned life insurance
- Buy-Sell Funding
- Key Person Insurance
- Insured Retirement Plan (IRP)
- Immediate Financing Arrangement (IFA)
- Estate Equalization
- Capital Dividend Account (CDA) Strategies
- Intergenerational Wealth Transfer (IAT / CAT)
Estate & Tax
- Estate Planning
Carriers represented
We shop the Canadian market on your behalf.
- Assumption Life
- Beneva
- BMO Insurance
- Canada Life
- Canada Protection Plan
- Desjardins Insurance
- Edge Benefits
- Empire Life
- Equitable Life
- Foresters Financial
- Humania Assurance
- iA Financial Group
- ivari
- Manulife
- RBC Insurance
- Sun Life
- UV Insurance
How I work
Four steps, no surprises
Deliberate, documented and reviewed — the same process whether the policy is $500,000 or $15 million.
- 01
Discovery Call
30 minutes, no cost, no obligation. We talk about what matters to you.
- 02
Needs Analysis
I review your full picture: income, taxes, family, business, goals.
- 03
Strategy & Recommendations
A clear plan, plain-language, multiple carrier options.
- 04
Implementation & Ongoing Reviews
Annual review at minimum, always available between.
About
The plan behind the plan
I'm Randy Rosenblat, a CLU-designated insurance specialist working with Canadian business owners, professional corporations and families from my office in Vaughan. Over ten years I've helped more than 500 clients put structure around the risks they can't afford to carry themselves.
Most of my work sits where insurance meets tax and estate planning: corporate-owned policies, buy-sell funding, capital dividend account strategies and intergenerational transfers. I work alongside your accountant and lawyer rather than around them.
Through HUB Financial Inc. I have access to the major Canadian carriers, so the recommendation follows the situation — not a single insurer's shelf. Outside the office, I'm usually with my family, or explaining to friends why their mortgage insurance isn't what they think it is.
In their words
What clients say
"Randy took the time to understand our corporate structure before he recommended anything. The plan he built solved a tax problem our accountant had flagged for years."
"Plain language, no pressure, and several carrier options side by side. We finally understood what we were buying and why."
"He reviews the plan with us every year. That ongoing attention is the difference between a policy and an actual strategy."
FAQ
Questions I'm asked most
Thirty minutes, at no cost and with no obligation. We discuss your family, your business, and what you want protected. If I'm not the right fit, I'll say so.
Insights
Reading worth your time
- Health & Living Benefits
Beat Long Medical Wait Times: What Supplemental Global Health Coverage Can Do For You
Wait times for specialists and treatment keep growing across Canada. Here's how supplemental global health coverage gives Canadians faster access to world-class care.
Read article - Retirement Planning
Are You Saving Enough for Retirement? A Realistic Look at Closing the Gap
Inflation and longer lifespans are putting pressure on Canadian retirement plans. Learn the key building blocks to a retirement income plan that actually holds up.
Read article - Life Insurance
Individually Owned Life Insurance vs. Mortgage Insurance: What's the Real Difference?
Before you accept the mortgage insurance offered by your lender, compare it to individually owned term life insurance. The coverage isn't as similar as it looks.
Read article
Get in touch
Book a discovery call
Thirty minutes, no cost, no obligation. We'll talk about what matters to you.
Vaughan, Ontario · Serving clients across BC, ON by video call.
Occasional notes on risk, tax and planning
A short email when something genuinely worth reading is published. No volume, no selling.