(905) 493-6393 chad@LRMinsurance.ca

It is our privilege to serve you as your trusted planning advisor

It is our privilege to serve you as your trusted planning advisor

You have worked hard to achieve success but without thoughtful planning, your family, business and legacy are at risk.

We work with successful business owners, professionals and investors to help protect and preserve everything they have worked so hard to build.  Our time tested strategies are essential to the planning process when strategizing to minimize taxes.  Our unique and thoughtful perspective provides tremendous value to the clients we work with.

 “We have a focus & specialty in helping you see the bigger picture. Our strategies are time tested to help you win the long-game. Protecting & Preserving everything that you have worked so hard to build. We welcome the opportunity to earn your trust.”

Chad J. Larmond, CLU, CPCA, RHU

LRM Services

Insurance Planning

Protect your family and business

  • Replace your income in the event of disability or death
  • Fund your shareholder buy-sell agreement

Estate Planning

Preserve your assets and minimize tax

  • Fund your estate tax liability
  • Tax-exempt investing

Legacy Planning

Manage finances & assets for future generations

  • Preserve wealth & values
  • Enables tax-efficiency

Why Work With LRM?

You want to minimize your taxes.

We can preserve your wealth for your family and the causes you care most about.

You are too busy to plan on your own.

We can collaborate with your professional advisors to achieve efficiencies and ensure the planning is completed.

You want to take care of your family and business all while doing more good in the world.

We can help you keep more for your family and exchange your taxes into charitable gifts.

The Chartered Life Underwriter (CLU) designation has been widely recognized for 90 years as a superior mark of excellence in the financial services industry. CLU designation holders are regarded as elite professional financial advisors who raise the bar in developing effective solutions for individuals, business owners, and professionals in the areas of risk management, wealth creation and preservation, estate planning, and wealth transfer.

The LRM Process


Create Your Customized Plan

We work with Certified Financial Planning (CFP) professionals to create fee only/advice only plans for our clients.

Protect Your Family & Business

We will review your situation and implement protection-based insurance plans where appropriate.

  • Life insurance
  • Disability insurance
  • Critical illness insurance

Preserve Your Assets & Minimize Taxes

We will implement plans to shelter more of your money away from taxes so you can do more good in the world.

Amplify Your Philanthropy & Minimize Taxes

We will implement plans to support causes important to you while simultaneously reducing your taxes.


“We have a lot of confidence in Chad to deliver exceptional service to any of our clients we refer to him. We find Chad to be extremely knowledgeable and professional, and he has a real knack for breaking down concepts in a way that makes it easy for clients to understand. Our clients continue to give us great feedback about his expertise and service standards, which tells us they are in the right hands.”

– Paul McVean, CPA, CGA, CFP, TEP