Let us help you grow your wealth with tax-advantaged life insurance
Discover how permanent life insurance can serve as a powerful investment vehicle—offering tax-sheltered growth, estate planning benefits, and wealth transfer strategies.
Serving clients since 2013.
See Your Potential Tax Savings
Future Value
$1.9M
Taxable Growth
$1.4M
Potential Tax Saved
$387K
With exempt life insurance strategy
Life Insurance as a Wealth-Building Tool
Discover how permanent life insurance can serve as a powerful complement to your investment portfolio with unique tax advantages.
- Tax-deferred accumulation
- No annual tax reporting
- Compound growth advantage
- Guaranteed growth
- Dividend potential
- Stable returns
- Investment flexibility
- Market-linked options
- Tax advantages
- Tax-free transfer
- Bypass probate
- Immediate liquidity
- Tax-free loans
- Supplement retirement
- Flexible access
- Fair distribution
- Business succession
- Asset preservation
Your Investment Partner
Meet Your Financial Advisor
Randal To, CFP, EPC
Financial Planning Department Manager | Plantax Pacific Financial
Certified Financial Planner (CFP)
Estate Planning Counselor (EPC)
Life Insurance Investment Specialist
Tax-Advantaged Wealth Building Strategies
Randal specializes in using permanent life insurance as a wealth-building and estate planning tool. He helps clients understand how insurance can complement traditional investments with unique tax advantages.
With expertise in tax-efficient strategies, Randal guides clients on leveraging whole life and universal life policies for tax-sheltered growth, retirement income supplementation, and tax-free wealth transfer to the next generation.
CFP, EPC
Certified Financial Planner & Estate Planning Counselor
Serving Metro Vancouver
Trusted by families across Richmond and the Lower Mainland
Investment Focus
Life insurance as a tax-advantaged wealth-building tool
Personalized Strategies
Custom solutions based on your financial goals
4.9
Based on 150+ reviews
Michelle T.
1 month ago
Plantax pacific financial is considered as a great financial advisor, while I was searching for an executive for my business. The executives were really intelligent and educational. They have new concepts that helped me in my business to succeed.
Robert K.
2 months ago
Plantax Pacific Financial and their business experts helped me a lot while I need them. I was absolutely surprised about their business plans and policies. Now I am a successful businessman with lot of opportunities.
Linda W.
2 months ago
I haven't always trusted insurance agents, But Eric Yeung and his team made me feel like they sincerely value my interests. Amazing people with ample amount of knowledge and experience.
James H.
3 months ago
Eric, thank you for your help so far! Their team is great, they help me all through-out to my business.
Patricia L.
3 months ago
Very knowledgeable about using life insurance for estate planning. Randal helped us set up a strategy to pass wealth to our children tax-free.
Kevin C.
3 months ago
I was skeptical about life insurance as an investment, but Randal's presentation convinced me. The numbers make sense, and the strategy is solid.
Ready to Explore Life Insurance as an Investment?
Book a free, no-obligation consultation with Randal. Discover how permanent life insurance can complement your investment portfolio with tax advantages.