Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Group Benefits Advisors at Wiegers Financial & Benefit Explains Employee Benefits Plans

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Its Saskatoon Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a division for benefits and personal insurance planning. In this latest Wiegers Group Benefits expert tip, they explain how much employee benefits plans do for employees and their families. Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits experts.


Takes Care of Employees With A Group Benefits Plan


When employees think about their benefits plan, the benefits that most often come to mind are for prescription drugs, massages, and maybe a dental check-up every year. However, I’m confident that if you were to ask any Benefits Advisor or Consultant, he or she would swiftly tell you that benefit plans are so much more than that! These benefits are just the tip of the iceberg in terms of what a plan can provide for employees and their families.

Many people – employees and employers alike – are surprised by just how extensive an employee benefits plan can be. They’re often also surprised by how much a plan can do for an employee’s physical, mental, and financial well-being. If the COVID-19 pandemic has taught us anything, it is that our well-being is something we can no longer take for granted. And having an employee benefits plan is one of the best ways to stay protected.

There are two cornerstones of a benefit plan that deserve a lot more attention than they typically receive: Life Insurance and financial protection in the event of a disability or illness, namely, Short-Term and Long-Term Disability Insurance. These benefits are often included in benefit plans but are not touted enough for the critically important protection they provide.

Benefits Canada reported recently that many people between the ages of 30-50 have no Life Insurance outside of what is provided through their employee benefits plan. On the one hand, this makes for a hefty responsibility for employers. But on the other hand, employers who provide their employees with a strong Life Insurance benefit have a competitive advantage that helps them attract and retain top talent.

As for Disability Insurance, Wiegers Financial & Benefits is passionate about including it in every benefits plan. The reality is that many employees work paycheck to paycheck, and in the event of a severe or prolonged illness or injury, most don’t have enough money saved to be able to weather the storm financially. Disability Insurance is very often a financial lifeline that enables employees to focus their time and energy on getting better instead of stressing about how they’re going to pay their bills. And it’s apparent that the pandemic’s impact on mental health and disability is not going to lessen any time soon. This Benefits Canada article speaks to how the majority of Canadian employers are prioritizing mental well-being, and Disability Insurance benefits are a key part of what they’re doing about it.

If you’re like a lot of Canadians who believe that employee benefit plans are most important for getting their prescription drugs paid for or their massages covered, I encourage you to delve into the details of your plan. You’ll likely be surprised by what you learn, and you’ll be in a better position to know what you can be, or should consider, doing outside of your plan to protect your well-being. Your personal financial advisor will be a great asset to you in advising you on a good path to take and then actually putting these wheels into motion. But always remember that your benefits plan is likely doing more for you than you realize so be sure to provide your advisor with all of the details. Your benefits plan is there to help take care of you; let it do all that it can!


Jewelian Berry,
Benefits Account Manager, Wiegers Financial and Insurance Planning Services Ltd.


Wiegers’ Benefits Consulting Division includes many consultants and support staff who custom-design the most employee-valued and cost-effective group benefit, personal insurance, employee assistance programs, and retirement plans available. Contact them today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits Advisors 


Trusted Saskatoon Financial Advisor Cliff Wiegers Tip On The Benefits of Business Coaching

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Their Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance planning division. 


Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors. In their latest Wiegers Financial tip, Cliff Wiegers shares his experience and the many benefits of business coaching. 

The Life-Changing Benefits of Business Coaching

In 1991, I joined a coaching program called The Strategic Coach which was run by Dan Sullivan out of Toronto. The program has since gone international and has thousands of participants involved globally. Put very simply, it is intended for individuals who are interested in growing both personally and professionally. The goal is for participants to have a great personal life with lots of time off, as well as a great business that generates a lifestyle for them that allows them to live a preferred life.


Why Consider Business Coaching?


Most people think that in order to be successful in business, you have to give away all of your time or to have time off you have to give away money. This program helped me build a good business and have a great personal life. The program offers tools that I can use to enable me to have both personal and professional growth. If you are a business owner, at some point, you will likely develop a feeling of complexity. What this means is you simply have run out of time, and you can’t get any more results. In fact, running out of time means that you have already potentially cut into a lot of your own personal time as well. The program that I got involved with is not the same program that I’m in today, but it has many similar characteristics. 


In order to achieve personal and professional growth, you need to have a good team around you. You must identify what your unique abilities are and try to operate in that area. By doing this, you will generally work in areas of your business that give you energy and are usually associated with the highest economic bang for the buck. This means you have to delegate. In order to delegate, it’s critical that you empower people by ensuring they know what they are doing and have the necessary tools and resources. You will also be building empowerment so that bigger results can be made, and making an investment back into your business. Many times, when business owners are adding employees, they look at it as a cost. It is actually an investment and, if done properly, will yield results that are greater than what you invested.


This is just scratching the surface on coaching and what it’s done for me. If you ask me who needs coaching in business, I would say that everyone needs coaching. But it’s important also that you hit that scene of complexity, you still want to grow, and you’re willing to spend the time and money to do so. If each of those criteria is met, business coaching is something I strongly recommend you pursue.

Clifford A. Wiegers

CFP, TEP, CH.F.C., CLU, B.Comm.

Insurance Representative, Wiegers Financial and Insurance Planning Services Ltd.

Financial Planner, Manulife Securities Investment Services Inc.


Contact them today for a no-obligation consultation to determine how they can help you.


Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors 


Trusted Saskatoon Group Benefits Advisors at Wiegers Financial & Benefits Discuss Workplace Wellness

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Its Saskatoon Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance division. 

In this latest Wiegers Group Benefits tip, they explain flex benefits for employee wellness. Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits experts.

Do You Have  A Strong Or Weak Workplace Culture? 


The 2020 edition of the Sanofi Canada Healthcare Survey – arguably the most reputable and referenced healthcare survey in the country – makes clear that a positive workplace wellness culture is key to a business’s success. But why?

Simply put, a strong wellness culture plays an important role in employee job satisfaction, which in turn drives productivity and both healthier results and healthier bottom lines for everyone, from company stakeholders to the employees and their families. But it starts even earlier than that. A strong wellness culture is important also in the attraction and retention of strong talent. More than 85% of employees surveyed agree that a workplace environment that encourages health and wellness is an important factor when deciding whether to accept a job offer or continue with a current employer.

The great news is that it appears that employers are listening. Over the next three years, 74% of employers plan to dedicate funding and/or staff resources outside of the health benefit plan to at least one out of five possible health and wellness areas. Among them, they will most likely do so in the area of emotional/mental health (58%), followed by the prevention of illness and/or management of chronic conditions (49%), physical fitness (45%), social well-being (44%) and financial well-being (40%).

The development and maintenance of a wellness culture needn’t be complicated or costly, though. Providing employees with safety supports and actively encouraging positive relationships among co-workers and with immediate supervisors is a great start. The options are endless from there:

  • Flexible work arrangements
  • Flexible health benefits
  • Well-defined Human Resource policies
  • Mental well-being support
  • Workplace wellness programs
  • Social activities
  • Healthy snacks… and the list goes on


The degree to which these types of initiatives positively impact a workplace wellness culture, though, depends significantly on the degree to which senior leadership supports and engages in them. This is something that my team and I at Wiegers Financial & Benefits can attest to personally and with genuine enthusiasm.

We have been actively promoting and supporting a wellness culture in our workplace for almost 20 years, long before it became popular to do so. Our initiatives have evolved a lot over the years but currently include a very active volunteer social committee that regularly – frequently, actually – does extraordinary things to engage our team socially to inject fun into our workdays, and celebrate holidays and other special days. Even during the pandemic, our social committee continues to deliver in meaningful, impactful, and outside-of-the-box ways. Our management team actively supports this kind of initiative for the comradery it fosters, its morale-boosting impacts, and the message it sends our team that their happiness matters.

Really, though, all aspects of our team’s mental health matter. We have a culture of open dialogue regarding mental health struggles and triumphs, and we support and encourage our team members to share their stories. We also continue to provide our team members with an Employee and Family Assistance Program, which includes counselling and many other mental health supports, and we increased the benefit amount for psychologist coverage on our benefits plan.

We take steps to help our team members’ physical health too. We provide each employee with an annual Health Spending Account and Wellness Spending Account to provide coverage for health and wellness expenses not already covered under our group benefits plan. We also provide a Second Opinion benefit, which enables our employees to seek second medical opinions from some of the best medical doctors in the world. We provide our employees with a telemedicine benefit so they can quickly and easily access a medical expert by phone or video chat 24 hours a day, 7 days a week from the comfort of home. And of course, there’s our Wiegers Wellness Partners Program. The Program, which is almost 20 years old now but is undergoing a refresh and expansion, was originally designed to provide our group benefits clients and their employees with discounted pricing at participating local businesses in the wellness industry. The Program was since made available to our individual clients in our Wealth Management Division too but it’s something our own employees and their families make good use of as well. 

All of this pays off. A lot, and for everyone involved. We recently surveyed our team for anonymous feedback about our wellness culture and learned – or rather confirmed – that the vast majority of our team members are really happy with it. We also requested and are now considering thoughtful feedback about what we might do differently; we’re always looking for new ideas! But beyond the survey results are what we’re seeing elsewhere in our business. Employee turnover is extremely low, with several employees working with us for upwards of 10, 15, and even 20 years. Client retention is extremely high – something we’d have a difficult time achieving if we had a revolving door of employees not well-trained and not highly experienced in the financial services industry. And despite a lot of business and sometimes high-pressure demands, there’s laughter in our office – and lots of it. We all have days when going to work is not what we’d choose to do if we had the choice but the wellness culture at Wiegers Financial & Benefits makes even difficult days a bit brighter.

For employers who don’t yet have a strategy for creating a workplace wellness culture, it might seem overwhelming to get started, but it doesn’t feel like that. Try one or two easy, low-cost options and see what they do. Once you get started, and you discover what matters to you and your team, I predict you’ll want to do more because the benefits to your employees, your business AND you will be clear and motivating. As is the case everywhere, wellness in the workplace is a winning solution for everyone.


Debra L. Wiegers, GBA, CLU, CH.F.C.
Benefits Advisor, Wiegers Financial and Insurance Planning Services Ltd.


Wiegers’ Benefits Consulting Division includes many consultants and support staff who custom-design the most employee-valued and cost-effective group benefits, personal insurance, employee assistance programs, and retirement plans available. Contact them today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits Advisors 


Trusted Saskatoon Financial Planners at Wiegers Financial & Benefits Help Keep Your Financial Plan Current

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Its Saskatoon Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance division. 

They explain everything you need to keep current in your financial plan in their latest Wiegers Financial tip. Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors 




Up to Date or Out of Date? Everything You Need to Keep Current in Your Financial Plan

It seems like just yesterday that we first started hearing about the COVID 19-virus, and now it’s been almost a year of uncertainty with only a blurry horizon in the future. What that horizon will look like, or when we will reach it, is still unknown but the hope is that we get there soon… and that we can hold our loved ones tight again!

As we all know, life can change in an instant, leaving our best-laid plans torn to pieces. However, it is critically important to pick up the pieces and find the new course we are to take so that despite the interruption, we can get to where we want to be. As a Certified Financial Planner with Wiegers Financial & Benefits for almost seven years, I have experienced with every client some kind of change in their lives and ultimately their financial goals. Given that life is not stagnant, it’s critically important that your plan and goals change with it to keep up.

What kind of life changes can impact your financial plan? Any number of things can change your goals but some of the most common changes are those concerning:

  • Job and pension
  • Income
  • Marital status
  • Dependents (children or elderly parents)
  • Real assets (e.g. primary residence or rental properties)
  • Other investments
  • Insurance policies
For instance, if you changed jobs due to COVID-19 or something else, your pension might have changed too, which will impact your projected retirement income. Without advising your advisor and potentially modifying your plan accordingly, you might find yourself behind or ahead of your retirement goals.

As another example, a change in your marital status or in how many dependents you have and who they are could make your beneficiary designations outdated. The last thing you likely want is for your insurance benefit to be paid to people you no longer want to receive it, or for any loved ones – including children – to be left out (and potentially taking the issue to court in an attempt to get it sorted out in their favour). Given that the solution to avoiding this kind of upset is a simple beneficiary change, it makes sense to ensure that you regularly review your beneficiary designations to ensure that they remain current with your plans and wishes.

Life changes, and so should your financial plan. Please speak with your financial advisor if you have any questions or wish to review your financial plan.


Kim Chicoine, CFP, B.Comm.
Insurance Representative, Wiegers Financial and Insurance Planning Services Ltd.
Financial Planner, Manulife Securities Investment Services Inc.


Contact Wiegers today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Financial Advisors 

Trusted Saskatoon Plumbing Experts at JOB Heating and Air Conditioning Share 5 Fall Plumbing Tips

JOB Heating & Air Conditioning Saskatoon is eager to provide the best possible customer experience. Their aim is to be a professional resource for our clients before, during, and after the sale! Their team takes pride in service knowledge of modern equipment and training. They are recognized by peers and offer sales, service, training & installations for residential, and commercial Heating, Cooling, and Plumbing systems in Saskatoon and area. JOB Heating & Air are Trusted Saskatoon Plumbers

In their latest article, Jeff Bolton, JOB's owner, shares their top fall plumbing tips.

5 Fall Plumbing Tips From JOB Heating and Air Conditioning

Here are 5 fall plumbing tips to help protect your home this season. 

Tip #1: Disconnect and Store Outdoor Water Hoses

Since outdoor hoses are made from rubber, freezing and thawing weakens the material and causes cracks. Disconnecting hoses in the winter and storing them in an area of your home that does not reach freezing temperatures will ensure the longevity of your hose is maintained. If you leave your outdoor hose connected all winter long, any leftover water can freeze and expand. This causes faucets and any connected pipes inside your home to freeze and potentially burst. 

After disconnecting your outdoor house, it is important to check the faucet for any leaks. Faucet leaks can lead to water damage and cause plumbing issues when temperatures drop and things freeze. Once faucets are checked for leaks, it is a good idea to insulate them for further protection.

Tip #2: Shut Off Outside Faucets 

Most homes are equipped with an interior shut-off valve for the outside faucets. Be sure to shut off and drain them so there is no remaining water in the outside lines that could freeze and create plumbing issues.

Tip #3: Inspect Your Hot Water Heater and Ensure Maintenance is Completed

The fall season is the perfect time to drain your hot water heater as it needs to work much harder in the cold months to provide hot water to your household. Maintenance includes flushing your hot water heater to remove sediment build up. The sediment build up is important to remove as it causes rust and can block proper heat transfer. Flushing your hot water heater will ensure it is operating efficiently, saving you money on your hot water bills. 

If your hot water heater is more than 20 years old it may be time to consider a replacement before something goes wrong. You do not want to be stuck without hot water, especially heading into winter.

Tip #4: Insulate Your Pipes

Be sure to insulate any pipes that may be exposed to cold temperatures such as those in your basement and garage. Insulating your pipes properly will prevent them from freezing in the winter. 

It is important to note that it is common for gaps to develop in the areas where pipes enter your home. These gaps between the pipes and the walls allow for cold air to get through. Cold air seepage can lead to pipes freezing and thus increase your heating bill. Luckily these gaps can be sealed using caulking and weather stripping, and taking the time to seal them can prevent larger issues down the road.

Tip #5: Inspect Your Sump Pump

A working sump pump is extremely important to prevent flooding as it removes excess water from the foundation of your property. If your sump pump is left exposed to extreme temperatures it can freeze. Freezing prevents your sump pump from operating correctly and can compromise its ability to protect your home. Be sure to inspect your sump pump this fall to ensure it is working as it should, or have it inspected by a professional if you are unsure.

These are just a few plumbing tips to help protect your home this fall. If you need any assistance with your plumbing, furnace, or home heating equipment, do not hesitate to contact our team at JOB Heating & Air Conditioning.

JOB Heating & Air Conditioning is a Trusted Saskatoon plumbing company. They show up on time, deliver on budget, and leave the work area cleaner than when they arrived! They take pride in their work in this city and surrounding area, so nothing means more to us than testimonials from their clients as their preferred plumber in Saskatoon.

‘Your Comfort is Our Concern!’

JOB Heating & Air Conditioning Are Trusted Saskatoon Plumbing Professionals 

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