# Athena Financial Inc.

> Financial Planning for Healthcare Professionals & More


## Posts

- [How to protect a young family when one income carries the mortgage](https://teal-coyote-684911.hostingersite.com/blog/protecting-family-income-on-one-salary/): Sizing term life, disability, and critical illness coverage so your family can stay in their home and on track if the unexpected happens.
- [Insurance for children: what it is, what it costs, and when it makes sense](https://teal-coyote-684911.hostingersite.com/blog/insurance-for-children-what-it-actually-does/): How participating whole life and critical illness policies for children work as long-term insurability and tax-advantaged asset tools.
- [How the RESP government grant actually works in BC](https://teal-coyote-684911.hostingersite.com/blog/resp-government-grant-explained/): Understanding the Canada Education Savings Grant (CESG), catch-up room, and the British Columbia Training and Education Savings Grant (BCTESG).
- [What to do two years before you sell your practice or company](https://teal-coyote-684911.hostingersite.com/blog/selling-your-business-without-losing-it-to-tax/): Purifying your corporation and qualifying for the Lifetime Capital Gains Exemption (LCGE) requires advance planning well before an offer arrives.
- [The $50,000 passive income rule inside a Canadian corporation, in plain English](https://teal-coyote-684911.hostingersite.com/blog/passive-income-threshold-explained/): What happens when your corporation earns more than $50,000 in passive investment income, and how to structure retained earnings tax-efficiently.
- [Salary or dividends: what each one actually costs a BC business owner](https://teal-coyote-684911.hostingersite.com/blog/salary-or-dividends-incorporated-business-owners/): How salary, dividends, CPP, RRSP room, and corporate tax integration work together when you pay yourself from a Canadian corporation.

## Pages

- [Life Insurance](https://teal-coyote-684911.hostingersite.com/services/insurance/life-insurance/): Give the people who depend on you a little more peace of mind. We help you understand your options and choose protection around your family’s needs.
- [Disability Insurance](https://teal-coyote-684911.hostingersite.com/services/insurance/disability-insurance/): Your ability to work supports the life you’re building.
- [Critical Illness Insurance](https://teal-coyote-684911.hostingersite.com/services/insurance/critical-illness-insurance/): A serious diagnosis can change more than your health. We help you understand protection that can give you financial breathing room during recovery.
- [Healthcare Professionals](https://teal-coyote-684911.hostingersite.com/who-we-help/healthcare-professionals/): You care for others.
- [Getting Established](https://teal-coyote-684911.hostingersite.com/who-we-help/getting-established/): Big goals start with a solid foundation. Let’s connect your savings, debt, and first financial decisions, so you feel ready to take the next step.
- [Career Professionals](https://teal-coyote-684911.hostingersite.com/who-we-help/career-professionals/): A growing career. A busy family. More decisions to make. We help your salary, savings, mortgage, and protection work together, around the life you want.
- [Business Owners](https://teal-coyote-684911.hostingersite.com/who-we-help/business-owners/): You’ve worked hard to build your business.
- [Approaching Retirement](https://teal-coyote-684911.hostingersite.com/who-we-help/approaching-retirement/): Your next chapter deserves a plan. We help turn your savings into an income strategy, with thoughtful decisions around tax, pensions, and the people you love.
- [Tax Planning](https://teal-coyote-684911.hostingersite.com/services/tax-planning/): From patient income to clinic expenses, taxes can feel like another job.
- [Retirement Planning](https://teal-coyote-684911.hostingersite.com/services/retirement-planning/): What comes after your years of caring for patients?
- [Investment Planning](https://teal-coyote-684911.hostingersite.com/services/investment-planning/): Make your money work harder for you. We help match your investments to your goals, your timeline, and the level of risk you are comfortable taking.
- [Insurance & Protection](https://teal-coyote-684911.hostingersite.com/services/insurance/): Your ability to care for patients is worth protecting.
- [Financial Planning](https://teal-coyote-684911.hostingersite.com/services/financial-planning/): From a new healthcare career to an established clinic, your money has more than one job to do.
- [Estate Planning](https://teal-coyote-684911.hostingersite.com/services/estate-planning/): You’ve built something worth protecting. Let’s connect your wishes, beneficiaries, and financial plan, so the people you love understand what comes next.
- [Corporate And Business Planning](https://teal-coyote-684911.hostingersite.com/services/corporate-business-planning/): Whether you own a healthcare practice or another business, we help connect retained earnings, personal income, protection and the future of your corporation.
- [Financial advisor in  Ottawa](https://teal-coyote-684911.hostingersite.com/locations/ottawa/): Ottawa brings more pension questions than anywhere else we work.
- [Financial advisor in  Mississauga](https://teal-coyote-684911.hostingersite.com/locations/mississauga/): Mississauga clients are usually a household planning around two careers, a mortgage and children, often with a small corporation on one side of the family.
- [Financial advisor in  Toronto](https://teal-coyote-684911.hostingersite.com/locations/toronto/): We're licensed in Ontario and work with Toronto clients by phone. Most came to us through referral, and most are professionals or incorporated consultants.
- [Financial advisor in  Surrey](https://teal-coyote-684911.hostingersite.com/locations/surrey/): Surrey households tend to be younger, with children at home and a detached mortgage rather than a strata one.
- [Financial advisor in  Richmond](https://teal-coyote-684911.hostingersite.com/locations/richmond/): In Richmond the conversations often involve more than one country.
- [Financial advisor in  Burnaby](https://teal-coyote-684911.hostingersite.com/locations/burnaby/): Burnaby is where a lot of our business owner clients are.
- [Financial advisor in  Vancouver](https://teal-coyote-684911.hostingersite.com/locations/vancouver/): Vancouver is where we're based, and where most of our clients are.
- [Lap Hum](https://teal-coyote-684911.hostingersite.com/about/lap-hum/): Lap keeps the bookkeeping and the day to day running. For anything administrative, he is usually the person you deal with.
- [Ken Feng](https://teal-coyote-684911.hostingersite.com/about/ken-feng/): I deeply believe that educated people will always overachieve the uneducated people, in all matters of life.
- [Erin Peng](https://teal-coyote-684911.hostingersite.com/about/erin-peng/): Erin works with parents. Education savings, cover for children, and making sure a family's income survives something going wrong.
- [Financial Planning for Every Chapter](https://teal-coyote-684911.hostingersite.com/who-we-help/): Rooted in helping chiropractors, physiotherapists and RMTs reach peak financial shape, we welcome all healthcare professionals, alongside other professionals, business owners and families.
- [Terms and Disclosure](https://teal-coyote-684911.hostingersite.com/terms-and-disclosure/): Athena Financial's client engagement commitments, Ken Feng's life insurance licensing, represented companies and conflict-of-interest disclosure.
- [Personalized Financial Services](https://teal-coyote-684911.hostingersite.com/services/): From student loans and practice income to tax planning and retirement, we help healthcare professionals connect the decisions that matter.
- [Retirement planning in Vancouver](https://teal-coyote-684911.hostingersite.com/retirement-planning-vancouver/): A complimentary 15-minute review of where you stand and what to do next. No cost, no obligation, no pitch.
- [Privacy Policy](https://teal-coyote-684911.hostingersite.com/privacy-policy/): Athena Financial's privacy commitment: client files, authorized information sharing, consent, access and corrections.
- [Where we advise](https://teal-coyote-684911.hostingersite.com/locations/): We're based in Vancouver and licensed in British Columbia and Ontario. All meetings happen by phone.
- [Financial empowerment in 3 easy steps](https://teal-coyote-684911.hostingersite.com/how-we-work/): We want to know all about your financial habits and goals! These insights allow us to develop a personalized plan based on your needs.
- [Contact Athena Financial](https://teal-coyote-684911.hostingersite.com/contact/): Financial planning for healthcare professionals, with other professionals, business owners and families welcome too.
- [Understand your financial health and spot areas to improve.](https://teal-coyote-684911.hostingersite.com/complimentary-assessment/): Fill out your Financial Health Assessment and you will be eligible for a 15 minute complimentary solutions call from your advisor who will provide insight on your finances, offered at no charge to you.
- [What this looks like in practice](https://teal-coyote-684911.hostingersite.com/case-studies/): Every one of these started with a 15-minute conversation. The headline number is the measurable part; the rest of each story is in the detail.
- [Learn](https://teal-coyote-684911.hostingersite.com/blog/): The questions clients ask most, answered plainly. If something here applies to you, it's usually worth a conversation.
- [Helping You Reach Your Peak Financial Shape Is Our Goal](https://teal-coyote-684911.hostingersite.com/about/): Our roots are in helping chiropractors, physiotherapists and registered massage therapists reach peak financial shape.
- [Home](https://teal-coyote-684911.hostingersite.com/): Helping chiropractors, physiotherapists and RMTs reach peak financial shape is at our heart.


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