Whether recommended by your accountant or discovered on your own, Probity Health and Wealth is your trusted resource for innovative health, wealth, and wellness strategies to protect you and your family. Our goal is to enhance your planning experience while minimizing costs, always prioritizing your needs. This creates a fiduciary relationship, where your interests come first.
We offer access to top-tier financial products and services, including investments, life and health insurance, and wellness solutions, all while focusing on cost management to ensure mutual success—your win is our win.
As fiduciaries, we are committed to providing exceptional service and a broad range of choices, always putting your needs above all else.
We value the trust you and your accountant have placed in us to work on your behalf.
Probity has conducted thorough market research and carefully selected vendor partners known for consistently delivering high-quality products and services at stable, sustainable prices. Sustainable pricing doesn’t always mean the lowest price, but rather the most reliable pricing over time, ensuring you can plan, execute, and maintain your strategy.
We believe you deserve access to premium, differentiated options while keeping your family’s long-term healthcare and financial planning in mind.
You can trust our unwavering commitment to providing the best user experience, optimal choices, and performance while effectively managing costs for you. Our partnership will always be grounded in convenience, transparency, and open communication.
We've designed the selection process to be user-friendly, allowing you to browse articles, PDFs and videos to make informed decisions at your convenience. If you need assistance, help is always just a click away.
The Fine Print: Please carefully review all materials before selecting products or services. Insurance and investment offerings come with inherent risks, including price fluctuations and potential losses. We encourage you to ask questions and seek clarification.
Insurance and investment products can be complex, and we want to ensure you fully understand what you're selecting. Contact us at info@probityhealthandwealth.ca, and one of our specialists will assist you. If you proceed without professional guidance, neither Probity Health and Wealth nor Carter Consulting Corporation will be responsible for any errors or omissions from any misunderstanding nor will we accept any responsibility for incomplete or incorrect information provided by you during the application process.
While most products are available through our provided links, some may require personal interaction or email exchanges to assess risks and ensure informed decision-making. Providers engaging with our clients are responsible for understanding your needs and recommending appropriate options.
Offering group benefits, Health Spending Accounts (HSAs), and wellness accounts is a strategic move for Canadian small to medium-sized businesses (SMBs) seeking to attract talent, enhance productivity, and manage costs effectively. These programs not only support employee well-being but also offer substantial tax and financial advantages.
Attracting and Retaining Talent
In today’s competitive job market, a comprehensive benefits package sets your business apart. For SMBs that may not match large corporate salaries, group benefits—including health, dental, vision, and life insurance—help attract and retain quality employees. HSAs and wellness accounts add flexibility, allowing staff to spend on services they value most, such as mental health support or fitness programs.
Tax Efficiency and Cost Control
Employer contributions to group benefits and HSAs are typically 100% tax-deductible, reducing your business’s taxable income. At the same time, most health-related reimbursements to employees are non-taxable, creating a win-win scenario. HSAs, in particular, provide a cost-effective way to reimburse medical expenses without the unpredictability of rising insurance premiums. You set the budget and maintain control.
Boosting Productivity
Healthy employees are more engaged and miss fewer workdays. Wellness accounts, which fund preventative care, gym memberships, and stress reduction initiatives, can reduce burnout and absenteeism. When employees feel supported, they’re more motivated, loyal, and productive—factors that directly impact your bottom line.
Sustainability Through Ongoing Monitoring
Benefits plans must be continuously reviewed to remain effective. As workforce demographics, employee needs, and regulations evolve, so too should your benefits strategy. Regular evaluation ensures your plan stays sustainable, cost-effective, and aligned with both your workforce and corporate goals.
Call to Action
Whether you already have a plan in place or are exploring options for the first time, meeting with Probity Health is a smart next step. We specialize in evaluating existing group benefit plans and recommending enhancements tailored to your business goals. If you're starting fresh, we can help design a flexible, tax-efficient plan—potentially featuring an HSA—that meets your team's health needs while supporting long-term productivity and cost control.
Let Probity Health help you build a smarter, healthier workplace. Contact us today to schedule your personalized plan evaluation.
What happens to your business should you, your spouse or child or that of a key team member is suddenly suffers a debilitating accident or is diagnosed with a life-threatening or altering disease or condition? Obviously, your mind may wander as you face the stress of their condition and also the toll taken on the viability and productivity of your operation.
Matters are made worse as Canadians face unreasonably long wait times for diagnosis, referral and treatment. And yet nearly twenty percent of all Canadians are further disadvantaged as they don't have a full-time doctor.
Prestige VIP is an innovative international private medical insurance plan, providing comprehensive medical services (including covered treatments and surgeries) to Canadian individuals and corporate groups looking to gain access to best-in-class health care options locally and globally.
VUMI provides treatment and surgeries at leading hospitals Worldwide. Your policy will (at your option) pay to transport you for treatment and coordinate your care with your family doctor (should you have one) once your service has been completed.
We aim to protect your physical, mental and financial health. We offer the highest possible quality care, without the prolonged wait times, so common in Canada today - so you can get back to your business in health.
Quick Health Access is a healthcare consulting group dedicated to guiding group and individual members through today’s complex provincial health system. Whether you are currently stuck in the system, or don't have a doctor of your own, we advocate for quick health access solutions on your behalf.
Core Services are extensive and very reasonably priced. They include:
1. Diagnostic appointments in days - not months
2. An extensive network of Medical Specialists
3. eSecond Opinion for those times when a fresh perspective provided by a team of medical experts is needed most
4. A Medical Concierge to provide clarity and peace of mind
An Application Form with Monthly rates is available on request by clicking below.
Empire Life, a leading and innovative Life Insurance Company in Canada with over 100 years of tradition, offers a straightforward, quick, and effortless life insurance experience.
Whether you're purchasing a home, a car, navigating life's transitions, planning your retirement, company transition or protecting company obligations and assets; life insurance is essential. Easily manage the process through our digital portal or seek guidance from our expert licensed advisors for a comprehensive insurance review.
Empire Life makes things Simple. Fast. Easy
(Ontario and Alberta Residents only)
Are you saving for a home, retirement, or any other significant life milestone? Discover Justwealth, recognized by Rob Carrick from the Globe and Mail and MoneySense Magazine as one of Canada's leading digital investment firms. (#1 in 4 of the last 5 Years)
Distinct from many Robo-Advisors, Justwealth offers portfolios, both registered and non-registered, meticulously crafted from 8 diverse ETF families. This stands in contrast to banks insurance companies and other Robo-Advisors that often have limited fund families from which to choose or promote their own products, potentially creating conflicts of interest.
Justwealth simplifies the process and provides each investor with a dedicated and licensed Portfolio Manager to ensure alignment with your circumstances and questionnaire responses. It's a streamlined approach!
Members of Probity benefit from paying competitive total portfolio fees that are structured so you and the advisor do better together avoiding the extra expenses that erode your wealth.
Click below to be taken to the Justwealth.ca landing page where you can review and invest in confidence.
Are you one of the nearly 60% of all Canadians without a Will or the over 71% without Powers of Attorney protection? If so, you risk government interference in crucial family decisions regarding your estate and personal care in times when you're unable to make those choices.
Recognizing this substantial gap in Canadian financial and estate planning, Probity Health and Wealth has partnered with LegalWills.ca. Legal Wills offers a top-notch user experience to create essential documents, which can be modified as life unfolds.
For over 25 years, LegalWills has maintained its position as the premier provider of online Wills, Powers of Attorney, and Living Wills across all provinces and territories.
Click below to be taken to the LegalWills.ca landing page where you can review and purchase in confidence.
Secure Peace of Mind with Medjet
Medjet is the top global air medical transport and travel security membership. With 1 in 30 trips resulting in a medical emergency and growing safety concerns, Medjet ensures you're covered when it counts.
Insurance Covers treatment at the Nearest Facility.
Medjet Gets You Home.
Over 10 million travelers are hospitalized abroad annually, and millions more in the U.S. Medical transport costs can range from $30,000 to $180,000, and your health insurance may not cover it.
Three out of four travelers now worry about safety—even in previously “safe” places.
Do you have a plan if the unexpected happens?
MedjetAssist ensures that, if you're hospitalized 150+ miles from home, you’ll be transported to your chosen hospital back home. Just pay your membership fee.
Upgrade to MedjetHorizon for Full Protection.
MedjetHorizon includes all MedjetAssist benefits, plus comprehensive travel security and evacuation services covering risks like terrorism, kidnapping, natural disasters, and violent crime. Travel smarter and safer with MedjetHorizon.
Protect yourself today. Why take the risk? (Prices in USD)
It's not about money.
Your financial advisor assures you that you're ready for retirement. You’ve done the spreadsheets, crunched the numbers. Financially, you’re fine. But that’s not what’s keeping you up at night.
If you’re feeling uncertain, restless, or even a little lost about this next chapter, you’re not alone. After years of success, structure, and purpose, stepping into retirement without a clear roadmap can feel overwhelming. As a high achiever you might find yourself:
We understand how disorienting this transition can be. You’ve spent decades excelling in your field—now, without work as the foundation of your daily life, it’s easy to feel untethered. The fear of irrelevance, the guilt around slowing down, and the pressure to “figure it all out” can make retirement feel more daunting than exciting.
With the right plan, it can be a time of purpose, fulfillment and renewed energy. You don’t have to figure this out alone. I've guided hundreds of individuals through this exact transition, helping them replace uncertainty with clarity, structure, and excitement for the future.
And we can do the same for you.