Let’s prep for
your legacy
together.
Nicole Lajoie
Life Licensed Advisor
Let's prep for your legacy together.
Nicole Lajoie
Life Licensed Advisor
Become
Financially Ready
Combine the power of saving and insurance retirement planning strategies, to grow your wealth exponentially, and enjoy financial freedom.
From Universal Life, Whole Life, to Term—Don't be afraid. Life Insurance doesn't have to be difficult. I can walk you through the difference between them. We can discuss how much coverage you need and how you and your loved ones can both benefit!
Whether it’s Travel, Critical Illness Insurance, or Children’s Education Plan, I can walk you through a full line of personal insurance & registered retirement and tax-free savings accounts that may suit your needs!
Shield your company's growth and financial well-being in the event of business interruption or need for operational support.
Protect your income and well-being with comprehensive insurance solutions. Secure financial stability during a disability and enjoy health and dental benefits for everyday care.
Pre-plan your final expense costs and give your family the financial support they need in their most vulnerable hour.
Meet Nicole - that's me!
Life Licensed Advisor based in Campbell River, BC, helping women and families across British Columbia and Alberta build, protect, and preserve their wealth.
Specializing in health, wealth, and longevity through life insurance, living benefits, registered investments, and financial education.
After building and running my own business for 10 years, I discovered the financial strategies that secured my own future. That experience inspired me to help others do the same.
Today, I help people protect what they've built, plan confidently for retirement, create generational wealth, and make informed financial decisions through judgment-free education, practical guidance, and personalized strategies. My goal is to make financial planning feel approachable, achievable, and empowering, no matter where you're starting.
I’m available to you 7 days a week.
I’ll keep you updated annually and bi-annually.
We can do your application offline or online.
I’m partnered with some of the Best Rated Life Insurance Companies in Canada.
What if building wealth didn't require being wealthy first?
Build Wealth on a Real-Life Budget
You're in your prime earning years, but with the rising cost of living, building wealth can feel impossible on an average income.
Here's what makes my approach different.
Before becoming a Life Licensed Advisor, I spent 10 years building and running my own business. I lived the same struggle of trying to build financial security while juggling everyday expenses. The strategies I teach today are the same ones that helped change my own financial future. I don't recommend anything I wouldn't do myself.
I help women and families across British Columbia and Alberta protect what matters most while building lasting wealth through insurance, registered investments, and practical financial education.
Cash Value Life Insurance
Cash value life insurance can do more than provide protection. It can help you grow tax-advantaged wealth that you can access during your lifetime while protecting your family for the future. It is one of the financial strategies many Canadians have never been taught.
Generational Wealth Planning
True financial planning is about more than retirement. Together, we'll create assets that protect your family today and continue supporting the people you love for generations to come.
Real Financial Strategies
Every financial plan is tailored to your goals, timeline, and comfort with risk. My focus is helping you build wealth consistently through proven long-term strategies that fit your life, not someone else's.
Why Starting Now Matters
The greatest advantage in wealth building is time. Compound growth works best when you start early and stay consistent. You don't need to wait until you have "more money." You simply need the right strategy and a plan that works for your budget.
My clients leave with something many people never receive: financial education they can actually understand. You'll gain confidence, learn about wealth-building tools that are often overlooked, and make decisions knowing exactly how they support your future.
Your financial breakthrough doesn't start when you earn more.
It starts when you have the right guide.
Hi, I’m Nicole Lajoie!
Life Licensed Advisor based in Campbell River, BC, helping women and families across British Columbia and Alberta build, protect, and preserve their wealth.
Specializing in health, wealth, and longevity through life insurance, living benefits, registered investments, and financial education.
After building and running my own business for 10 years, I discovered the financial strategies that secured my own future. That experience inspired me to help others do the same.
Today, I help people protect what they've built, plan confidently for retirement, create generational wealth, and make informed financial decisions through judgment-free education, practical guidance, and personalized strategies.
My goal is to make financial planning feel approachable, achievable, and empowering, no matter where you're starting.
I’m available to you 7 days a week.
I’ll keep you updated annually and bi-annually.
We can do your application offline or online.
I’m partnered with some of the Best Rated Life Insurance Companies in Canada.
Become Financially Ready
Combine the power of saving and insurance retirement planning strategies, to grow your wealth exponentially, and enjoy financial freedom.
From Universal Life, Whole Life, to Term—Don't be afraid. Life Insurance doesn't have to be difficult. I can walk you through the difference between them. We can discuss how much coverage you need and how you and your loved ones can both benefit!
Whether it’s Travel, Critical Illness Insurance, or Children’s Education Plan, I can walk you through a full line of personal insurance & registered retirement and tax-free savings accounts that may suit your needs!
Shield your company's growth and financial well-being in the event of business interruption or need for operational support.
Protect your income and well-being with comprehensive insurance solutions. Secure financial stability during a disability and enjoy health and dental benefits for everyday care.
Pre-plan your final expense costs and give your family the financial support they need in their most vulnerable hour.
Any questions?
I look forward to
hearing from you!
WeI know that your time is sacred, we’ll be in touch soon!
We are committed to the highest standard, in terms of client confidentiality.
Please be assured that I will never sell or distribute the personal information you provide.
Any questions?
I look forward
to hearing from you!
I know that your time is sacred, we’ll be in touch soon!
We are committed to the highest standard, in terms of client confidentiality. Please be assured that I will never sell or distribute the personal information you provide.
Our Trusted Partners
FAQ
Who's a good life insurance advisor in Campbell River, BC?
Nicole Lajoie is a Life Licensed Advisor (someone trained to help you pick insurance and investments) based in Campbell River and serving BC and Alberta. She works with women 35-45 who are building wealth and want to protect their families. Her reviews highlight her workshops and no-judgment approach to budgeting, and you can meet with her online or in person.
Can I work with a life insurance and financial advisor online in BC?
Yes, Nicole Lajoie is a licensed advisor in BC and Alberta who works entirely online, so you can meet from wherever you are. She handles life insurance, disability and critical illness coverage, registered investment accounts like RRSPs and TFSAs, budget coaching, and retirement planning. Booking is typically about two weeks out and she's available seven days a week.
Where can I get help with critical illness and disability insurance in BC?
Nicole Lajoie specializes in protecting your income and health through disability and critical illness insurance in BC and Alberta. She'll walk you through what each covers so you know you're protected if something unexpected happens. She also combines insurance with a plan to build wealth at the same time.
Who's the best advisor for a young family building wealth on a budget? If you're juggling a family and a tight budget, Nicole Lajoie offers no-judgment budget coaching alongside insurance and investment planning. She runs workshops to help families understand their money without shame, and works online across BC and Alberta. She focuses on solutions that fit real life.
Can I get budget coaching and insurance from one advisor in BC? Nicole Lajoie combines all three: budget coaching, insurance (life, disability, critical illness), and investment planning (TFSA, LIRA, RRSP, RESP, FHSA). She's a Life Licensed Advisor serving BC and Alberta, and her reviews praise her workshop-based approach and approachable style. You'll get both the planning and the education you need.
How do I transfer generational wealth?
Generational wealth means money and assets you pass to the next generation. Nicole Lajoie works on this through life insurance (to protect what you leave behind), registered investment accounts (like RESPs for kids), and retirement planning that sets you up to pass on more. A quick conversation can help you see what fits your situation.
What is cash value life insurance?
Cash value life insurance is a type of permanent life insurance that builds a savings account inside your policy. Unlike term life insurance, which covers you for a set number of years, cash value stays with you your whole life and grows tax-sheltered. Nicole specializes in this because it can be a smart wealth-building tool most people don't know about.
What is universal life insurance?
Universal life insurance is one type of permanent life insurance that lets you adjust your premiums and death benefit as life changes. It has a cash value component that grows tax-free, so you're both protecting your family and building savings. Whether it's right for you depends on your goals and timeline, and a quick conversation can help you see what fits.
How does retirement planning work in BC?
Retirement planning means figuring out how much money you'll need and how to build it through investments, savings, and insurance. Nicole Lajoie works with clients across BC and Alberta to set up registered accounts like RRSPs and TFSAs, coordinate insurance protection, and plan for generational wealth. She can help you build this over the next few years.
How do I start saving for retirement?
Starting is simpler than you think. Open a registered account (TFSA or RRSP are most common), decide how much you can save monthly, and start there. Nicole Lajoie helps with all three steps: choosing the right account, figuring out your budget, and staying on track. She works online across BC and Alberta and books about two weeks out.
Nicole Lajoie is a licensed, verifiable life insurance advisor and financial educator serving British Columbia and Alberta
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