Joy Russell, Founder & Executive Director

Plan with Joy Financial Services Inc. specializes in Permanent and Term Life Insurance, Critical Illness Insurance, Income replacement plans, Individual and Group Health and Dental benefits, GIA, RRSP, RESP, FHSA, TFSA, Non-registered Investments and Investment Loans.

Our Products

Unable to work?

Creating a safety net of benefits can preserve your wealth and protect your standard of living.

Protect loved ones.

Our life insurance solutions help provide financial security for your loved ones in the event of death.

Plan for retirement.

Rest easy knowing that your money is working for you.

Buying a home?

See how we can work with you to achieve your goal.

Get a secured Visa

Build or rebuild your credit while enjoying the convenience and security of a Visa card.

Companies We Represent

Why Choose Us

The Value of an Advisor

No matter your situation, Our advisors will work to assist you in making the best choices for your insurance and investment needs.

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Our advisors are credible, competent and transparent when delivering financial advice.

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Our client-centered approach to advising ensures that our recommendations are consistent with the needs of the client.

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Our advisors provide support in a timely manner without sacrificing quality.

Planning a trip? Don't leave unprotected.

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Our Mission

Our goal is to educate our clients on the value of insurance and investment products and how they can benefit themselves and their family.

Read the latest in financial news.

Stay Informed

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It was such an honou

It was such an honour to be chosen for the FP Canada Diversity in Action Scholarship! This amazing program is strengthening my knowledge and expertise as a financial planner, and increasing the level of service provided to all of our Plan With Joy clients.

If you're an aspiring financial planner from an underrepresented community, don't wait on this one. Apply by September 14, 2026 and give your career the boost it deserves.

🔗 Learn more and apply: www.fpcanada.ca/scholarship

#FPCanadaDiversityInActionScholarship #DiversityInEducation #FPCanada #Scholarship
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2 weeks ago
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Squeezing in one last summer trip before back-to-school takes over? Here's a quick checklist to make sure you're covered before you go.

Home & Property:
🟡 Review your home insurance
🟡 Check your security systems
🟡 Update emergency contacts

Travel & Family:
🟡 Book travel insurance
🟡 Review health coverage abroad
🟡 Update your beneficiaries
🟡 Plan for those last summer adventures

Don't leave anything to chance — let's make sure this final stretch of summer is safe, fun, and protected.

Ontario residents, get travel insurance directly from our site: planwithjoy.ca/#travel-insurance

#SummerPrep #InsuranceChecklist #PlanWithJoy #BackToSchool
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3 weeks ago
Six months down, les

Six months down, less than six to go! How are your financial goals tracking?

Just past the halfway point of the year is a great time to pause and reflect:
• Are you on track with your savings goals?
• Have your priorities shifted?
• Do you need to adjust your investment strategy?
• Is your insurance still aligned with your goals?

A mid-year review keeps you focused and ensures your financial plan still works for you. Ready to reassess? Let’s chat! 905-579-7890

planwithjoy.ca

#FinancialGoals #MidYearReview #PlanWithJoy #FinancialAdvisor
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1 month ago
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