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There are two things you need to know about me and Canadian Legacy Builder. The first is “How I got here” and the second is "What you need to know about me before you decide to work with me”. I recommend you read all of this first, BEFORE you read anymore of the site. It’s that important.

  • How I got here” is my personal story of why I’m in the life insurance business and what I do for people. It explains how my life’s experiences have shown me the way to help others maximize the value of their effort and resources for themselves and future generations. It explains why I’m so committed to you and your legacy.
  • What you need to know about me” is an intensely personal and embarrassing story that you need to hear from me to be able to reasonably decide you can work with me. I'm not proud of the story but it has to be told. I choose to tell it myself. It’s the unvarnished truth. Take me here now...

How I Got Here…

Learning How to Change Adversity into Advantage

When I was just 3 years old, my father suffered a serious back injury. He endured many surgeries but in the end he could no longer withstand the pressures of daily work. But Dad never let his physical infirmity affect his mental ability. Even thought he couldn’t earn a living, he set out to make a contribution in whatever way he could.

He chose volunteering. Sometimes it was as many as 7 days a week for a variety of causes. Because he was a “Mr. Mom” before it was fashionable and I was the “baby” in the family, Dad would drag me along to every volunteer opportunity he could. I remember loving the free snacks and t-shirts. Today, I realize that I witnessed firsthand the amazing support of Ottawa General Hospital and the Ottawa Food Bank to the less fortunate in our community. Dad was a great example. He changed me.

I still remember the grace and appreciation they showed to Dad and me for being there to help. It made a real impression on me. When I was in grade 8, I met Princess Diana on one of her visits to Ottawa. That moment touched my life too. Diana became a role model for me. I identified with the adversity she faced during her marriage and tenure with the royal family and yet how she kept working to make the world a better place.

You might laugh, but until I was 25 years old, I thought Dad volunteered for the free hot dogs, the free t-shirts and the free parking. It wasn’t until my mother passed away and I saw the people whose lives Dad touched, come to support him in his grief that I finally got it.

Dad didn’t volunteer for the free things. He volunteered to change the world one person at a time. His regained self worth was a bonus.

In my mid 20’s I heard Frank O’Dea, founder of Second Cup speak. Frank was raised in a wealthy family in Montreal. But, drugs and alcohol drove him to the streets of Toronto. From the gutters he rose to regain his confidence and self respect and somehow he founded Second Cup.

Later, after being bought out of his empire he discovered he could use his wealth and experience to help leave the world a better place than he found it. It became his new mission and a view of life that I share.

The Benefits of Protecting Yourself

Two weeks after I signed my contract at Freedom 55 Financial, I learned that my father-in-law had cancer. At the time, he owned a multi-million dollar heating and cooling business. Three very short months after he was diagnosed, he died at the age of 52.

Fortunately, he owned a critical illness insurance policy which paid out a good sum of money tax free just 30 days after his diagnosis. Because of it, we witnessed the power of money to create peace of mind at a terrible time. The money couldn’t change the diagnosis but it did allow his family to love and support him without having to worry about bills. He didn’t have to worry either. It was a blessing.

A Family Estate Nightmare

Unfortunately, the fate of the business was not so glamorous after he passed. I remember explaining to my mother in law that the value of his very successful business would be reduced to a fraction of what it actually was worth. This is what happens with a poorly written shareholder agreement.

Counterpoint - The Perfect Estate

A year after my father in law’s passing, my mother died from a massive heart attack. Because of the work of her agent and me over the years, her estate was “perfect” - at least as perfect as we could hope. In the span of one year, I witnessed the difference between a nightmare of an estate and a perfectly planned one. I understood the true value of estate planning as you only could from being in the middle of it.

Clarifying My Purpose

These experiences clarified my purpose in this business. I knew I wanted to help people make their estate processes simpler and smoother for the next generation. It would benefit both generations.

Avoiding Unnecessary Estate Erosion

Around that time, I was treasurer of the Canadian Therapeutic Riding Association. One day, we learned that the charity was a beneficiary of an estate. Through the process, we got to know the whole story of the value of the estate and fees. What happened shocked me then, as it does now. Although we gratefully accepted the $40,000 bequest, I couldn’t help but think about how more than half of the estate had been eroded by fees and taxes.

Our Benefactor would have been so disappointed and I knew it could have been avoided.

Time for Reflection and Action!

My father’s battle with cancer and eventual death made me decide to push Canadian Legacy Builder as far as it can go. Sitting with him in the hospital for last few months gave me a lot of time to think and soul search. I realized that I have many stories to share and I could start right at home.

My mom had a high school education and my dad only Grade 6. Dad never made more than $30,000 in his life. Still, shortly after mom died, I had to explain to Dad why he was making more money and paying more taxes than he ever had. As well, his government benefits were being clawed back. It was the makings of a perfect estate.

Once again he used his troubles to help others. He was determined to find a way around the taxes and fees so his family could better value from his estate. And we did it. When he died, his estate passed to the people he loved quickly with a very minimum of expenses. Even better, as his ideal legacy we saw how proper planning could help him leave more money to his favorite causes than he ever imagined.

My Dream

This is my business story. It’s what drove me to create Canadian Legacy Builder.

My experience can simplify the planning process and help you leave the ideal legacy. When we uncover your financial dreams, we also uncover your ideal legacy.

Everyone is unique and the best path to your ideal legacy must be unique too. You can reach all your goals with the right plan. If you can hold the dream in your head, you can hold it in your hand.

Years of working with motivated philanthropists inspired a dream in me. That dream is to create one hundred million dollars for Canadian charities by the end of year 2020 by rearranging the insurance portfolios of caring people with cash value, permanent life insurance. I believe we can do it.

My Passion

The kitchen offers a completely open and creative environment. This is where elements of different natures come together to create absolute magic. Kitchens are where creative thoughts, ideas and experimentation flow.  Where recipes are sometimes followed and sometimes not – sometimes you have to experiment in order to test limits and grow. The first soufflé HAD to have been an accident, and flourless cake, that doesn't make much sense either but their individual elements when combined create something really remarkable.  As Andrew Peller once said, "It's the simple things in life that bring us the greatest joy."  I believe that food and wine need each other and that it goes way beyond mere eating and drinking.  I love playing in the kitchen and letting my creativity come out in the dishes I create.  I am on a mission to pair food dishes with wine to enhance even the most ordinary dining experience.  Keep up with my creations HERE

My Credentials

  • Founder of Canadian Legacy Builder
  • Graduate of the University of Guelph, Honours Biomedical Science (BSc) with a biochemistry minor
  • Joined Freedom 55 Financial as an advisor in 2004
  • Established independent financial planning firm, Kevin Cahill Financial Services Inc. 2005
  • Qualified Certified Financial Planner®, CFP
  • Qualified Chartered Life Underwriter®, CLU
  • Qualified Elder Planning Counselor, EPC
  • Qualified Certified Health Specialist, CHS
  • Member of the Million Dollar Round Table since 2005, the Premier International Association of Financial Professionals representing the top 1 percent, of the world’s life insurance and financial services professionals
  • Active member of the community as Chair of the Young Professionals Network, and Ancient Free and Accepted Masonry
  • Past involvement includes president of the Rotary Club of Guelph South, treasurer for the Canadian Therapeutic Riding Association, Vice Chair of the Guelph Chamber of Commerce and Treasurer of the AIDS Committee of Guelph & Wellington

What you need to know about me, FIRST

I believe that I can make a big difference in your and your family’s financial life. I know also that many people can vouch for my contribution to my clients and the community. But, there is something you must know before you consider doing business with me…

The Unvarnished Truth

In 2009, at the age of 31, a woman I knew charged me with sexual assault. I received a conditional discharge which is a decision passed by a court whereby I was not convicted and did not receive a criminal record provided I complied with the conditions of community service and keeping the peace during 12 months of probation.

I fulfilled this obligation and was discharged. I was never convicted and I do not have a criminal record. But, I would like you to know this in advance of working with me.

A lesson learned

This situation caused myself and my family a great deal of embarrassment and I lost important business relationships, clients and much of the reputation I worked so hard to build. I have moved on from this with renewed energy and a greater understanding of what can be endured.

I cannot un-live my past but I can ensure that the future is nothing like it. I will not let this event in history go to waste. I strive to prove everyday that what I was accused of was truly out of character. I commit to rebuilding my life, my business and my reputation by everything I do every day.

Another start?

Successful relationships are based on trust. Trust comes from transparency - from openness. That’s why I tell you this serious and embarrassing story of a small part of my life. You must know this about me if we are to work together. Please know that I'll do everything in my power to earn your respect and trust. I won't let you down.

I hope that you will now visit the rest of Canadian Legacy Builder and discover how you can help others and yourself at the same time.

I look forward to working with you.


  • "If you Really Want to Know Me” For those that know me on the surface, you will know I love my son, I love my community and I love what life insurance can do.  If you know me a little deeper you will know that all I want to be in this world is a good father, a good partner and a good son (even though my parents have passed away).  But if you really know me... Take me here now...


Kevin Cahill