Insurance & Investment Advisor
Protecting what you’ve built. Planning what comes next.
Edward Hambarchian, CLU — Elite Wealth & Insurance Management
Plain-language advice on life, disability and critical illness insurance, health and travel coverage, registered plans and estate planning — for families and business owners alike.
Services
What we help with.
From a first term-life policy to a corporate succession plan, every recommendation starts with your situation — not a product.
Life, Disability & Critical Illness
Protection for the people who depend on you — a death benefit for your family, and living benefits that replace income or pay a lump sum if illness or injury keeps you from working.
Individual & Group Health Plans
Extended health and dental coverage for individuals, families and businesses, plus travel insurance for time spent outside the province or the country.
Registered Plans
RRSP, TFSA, RESP, annuities, GICs and personal pensions — choosing the right account for each goal, and making sure government grants and tax advantages aren’t left on the table.
Estate Planning
Will arrangement, family and corporate trusts — so that what you’ve built passes to the people you choose, in the way you intend, with as little friction and tax as possible.
Corporate Buy/Sell Arrangements
Funding a buy/sell agreement so a business can survive the death or disability of an owner — and the remaining partners and the family are both protected.
About
Edward Hambarchian, CLU
Edward is an Insurance & Investment Advisor with Elite Wealth & Insurance Management and holds the Chartered Life Underwriter (CLU) designation from The Institute for Advanced Financial Education.
The CLU is Canada’s benchmark designation for advanced estate planning, wealth transfer and business succession — the complex side of protecting what you’ve built. It signals in-depth, situation-specific training in life insurance, living benefits, taxation and estate planning for both straightforward and complex circumstances.
The approach is simple: clarity over jargon, relationships over transactions, and your needs above all else.
Free tools & calculators
Complimentary tools and guides.
Use them freely. Every result is a starting point for a conversation, not a quote.
Life Insurance · Two calculators
How much life insurance do you need?
Two working calculators — the Human Life Value method and a needs-based (DIME) analysis — with a plain-language guide to when each one applies, plus an honest note on the living benefits a death benefit alone won’t cover.
RESP · Guide + grant calculator
Free money for your child’s education — if you claim it.
A plain-language guide to the three government top-ups — the 20% CESG match, the Additional CESG, and the no-contribution-required Canada Learning Bond — plus a calculator that projects what your child could have at 18, catch-up rules included.
TFSA vs RRSP · Decision tool
TFSA or RRSP? It comes down to one honest question.
Both accounts shelter growth from tax — the difference is when you pay. A plain-language comparison, a calculator that settles which account deserves this year’s dollar (including what spending the refund really costs), and a TFSA contribution-room checker.
RDSP · 40 questions answered
Already have an RDSP? Make it work harder.
A practical, optimization-focused guide for families with a Registered Disability Savings Plan — how to capture the full federal grants and bonds, time withdrawals around the AHA, and protect ODSP and other benefits.
Let’s talk
Everything starts with a conversation.
Book a relaxed, no-obligation conversation. We’ll talk through where you stand and what peace of mind would look like for your family or your business.