Athena Financial · British Columbia & Ontario
Your income supports the life you’re building. Let’s look at how to protect it if illness or injury keeps you from working.
Book my complimentary assessment20-minute introductory call · No charge · No obligation
Start with what matters to you
We handcraft customized solutions tailored to each client. Which priority would you bring to our first conversation?
Your starting point: Protect my monthly income
Let’s talk about itUnderstand your options
Start with essential monthly costs and the reserves or benefits already available to you. This helps identify the income gap that coverage may need to address.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Review the monthly benefit, waiting period, benefit duration, and definition of disability. Those details matter as much as the headline coverage amount.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Occupation definitions, exclusions, waiting periods, and benefit lengths can differ. We help explain the trade-offs so you can make an informed choice.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Employment changes, self-employment, and business ownership can affect available benefits and obligations. Keep your protection connected to how you earn your income.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We learn about your financial habits, your goals, and what matters most to you.
Start with a complimentary conversation
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
We implement your plan and stay connected as your work, family, and priorities change.
Keep your plan moving with your life
Real people. Real experiences.
“HIGHLY RECOMMENDED! I've been working with Athena Financial for a few years now and the shape of my finances has never been better. Ken and his team are knowledgeable, responsive, and easy to partner with. As a beginner investor back when I started, I felt I had a lot to learn but Ken was great about breaking down concepts to make things easy to understand.”
“Ken and his team is AMAZING !! I been working with them since 2019 and it's still going . Very easy team of people to work with and very responsive to my questions . I highly recommend them !!”
“Ken always goes above and beyond to help you get your money invested the right way. Amazing experience as 5 year client.”
Before we meet
Disability Insurance replaces a portion of your income if you become unable to work due to illness or injury. For professionals and incorporated business owners in Ontario and British Columbia, it is the most critical protection you can have — your ability to earn an income is your most valuable asset, and no other insurance replaces it if you cannot work.
Own-occupation disability insurance pays benefits if you are unable to perform the specific duties of your own occupation — even if you can work in another capacity. The definition of disability matters for professionals and business owners in Ontario and British Columbia. Benefits are subject to the policy’s terms, definitions, and exclusions.
Most disability insurance policies cover up to 60–70% of your pre-disability income. The right amount depends on your monthly expenses, existing coverage, corporate structure, and financial goals. Athena Financial conducts a thorough needs analysis to ensure you are neither underinsured nor overpaying in premiums.
Yes. Incorporated professionals in Ontario and British Columbia can access corporate-owned disability insurance options, including Business Overhead Expense (BOE) insurance, which covers your practice's operating costs if you become disabled. Athena Financial helps you structure coverage optimally across personal and corporate policies.
Yes. We serve professionals and business owners throughout British Columbia — including Vancouver, Richmond, Burnaby, Surrey, Kelowna, and Victoria — and across Ontario, including Toronto, Mississauga, Ottawa, Hamilton, London, and Kitchener-Waterloo. Both in-person and virtual consultations are available.
Your next chapter starts here
Bring the question on your mind. Your first conversation is complimentary, with no obligation.
Complimentary 20-minute call · No obligation
“Ken and his team are knowledgeable, responsive, and easy to partner with.”