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M4 Financial Services

Your Protection and Wealth, Our Priority

Expert advice. Trusted partners.

We serve individuals and families with personalized insurance and investment strategies for lasting peace of mind.

Secure your family’s future, today.

Protecting what matters most doesn’t have to be complicated or intimidating.

At M4 Financial, we simplify the process with clarity and peace of mind, helping you confidently plan for your future.

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Insurance Services

Whether you're looking for protection in the event of illness or disability, securing your mortgage, planning for travel, or ensuring your loved ones are financially supported, we offer comprehensive coverage tailored to your individual or business needs.

  • What is Life Insurance? Coverage that financially protects your loved ones in case of untimely death.

    When do you need Life Insurance? To provide for your dependents and cover any financial responsibilities you leave behind.

  • What is Critical Illness Insurance? A lump sum payment if you are diagnosed with an illness covered by the policy.

    When do you need Critical Illness Insurance? To help you with income replacement in the event that you’re unable to work due to a major illness or condition.

  • What is Disability Insurance? Income protection if injury or illness prevents you from working.

    When do you need Disability Insurance? Essential if you rely on your income to support yourself or your family.

  • What is Mortgage Insurance? Pays your mortgage if you pass away.

    When do you need Mortgage Insurance? Ideal for homeowners looking to prevent losing their family home.

  • What is Business Insurance? Protection against financial liabilities in case of illness or death.

    When do you need Business Insurance? To safeguard your business's financial health and stability.

  • What is Travel/Medical Insurance? Coverage for medical emergencies and travel disruptions.

    When do you need Travel/Medical Insurance?

    • For Canadian residents travelling outside of your province and country.

    • For Tourist Visa and Super Visa visitors to Canada.

  • What is Group Insurance? Insurance provided by employers to employees.

    When do you need Group Insurance? Ideal for employers wanting to provide extra benefits to their employees.

  • What is Extended Health? Additional health coverage beyond standard provincial plans.

    When do you need Extended Health?  Extended health insurance can help offset those out-of-pocket costs.

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Investments

We help you build and protect your wealth with tailored investment solutions:

  • What is a TFSA? An account that lets your savings and any interest earned grow tax-free.

    When do you need a TFSA? Ideal for saving toward both short-term and long-term financial goals without paying tax on gains.

  • What is an RRSP? A savings account designed to help save for retirement with tax advantages.

    When do you need an RRSP? Important for anyone planning for a financially secure retirement.

  • What is an FHSA? A dedicated savings account to help first-time homebuyers save with tax advantages.

    When do you need an FHSA? First-time homebuyers aiming to make a home purchase.

  • What is an RESP? A savings plan to fund a child's post-secondary education with tax benefits and government grants.

    When do you need an RESP? Ideal for parents or guardians who want to invest in their child’s educational future.

  • What are Segregated Funds? Investment funds that provide growth potential with guarantees and protection.

    When do you need Segregated Funds? Suitable for investors looking for investment growth combined with insurance protection.

  • What are Non-Registered Funds? Flexible investment options without contribution limits or restrictions.

    When do you need Non-Registered Funds? Useful when you've maximized registered accounts and seek additional investment flexibility.

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M4 Financial is dedicated to building lasting relationships through trust and clarity.

We believe your financial security should be straightforward and reassuring. With years of experience, we provide personalized insurance solutions designed to protect your future and bring peace of mind.

Licensed in the following provinces:

  • British Columbia

  • Alberta

  • Saskatchewan

Managing General Agency:

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Our Team

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    Antonio Macapagal

    INSURANCE & INVESTMENT ADVISOR

    With over a decade of experience in insurance and investment planning, Antonio Macapagal has helped more than hundreds of clients across British Columbia and Canada achieve financial peace of mind. 

    He specializes in delivering personalized, goal-oriented solutions that align with each client’s unique needs. Known for his client-centered and supportive style, Antonio is committed to building long-term relationships and guiding you through every stage of your financial journey.

  • A woman with dark hair, sitting confidently in a chair, dressed in a white pinstripe suit and black top, smiling at the camera.

    Pauline Macapagal

    INSURANCE & INVESTMENT ADVISOR

    Pauline believes that insurance and investment planning should be both comfortable and confidence-building. She is committed to being approachable and accessible, helping clients feel at ease while guiding them from uncertainty to financial clarity and protection. With access to a broad network of financial products and providers, Pauline tailors solutions to fit each person’s custom needs and goals.

    Outside of work, she loves music, hockey, and the joy of organized living.

  • A woman with dark hair and red lipstick sitting in a black chair, wearing a white lace-patterned jacket, holding a remote control, with indoor plants and a small table in the background.

    Denise Macapagal

    SALES & MARKETING ADMINISTRATOR

    Denise plays a pivotal role in driving the growth of our business clientele. With a keen focus on building client relationships, promoting our services, and managing key administrative tasks, she ensures our operations run smoothly and efficiently.

    Her dedication to building relationships and increasing our visibility helps us connect with more clients, while her strong organizational skills ensure that every client is thoroughly taken care of. Denise’s work is essential to our continued success and growth in the industry.

Industrial Alliance: Continuous Production Bonus – 2015, 2016, 2021, 2022, 2023, 2024

Industrial Alliance: Business Development Bonus – 2021, 2022, 2023, 2024 

IDC WIN: IDC VP Conference

    • 2021 - Sparkling Hills, Vernon, BC

    • 2022 - Sparkling Hills, Vernon, BC

    • 2023 - Banff, AB

    • 2024 - Whistler, BC

    • 2025 - Sparkling Hills, Vernon, BC

Foresters Financials – 2019 

Our Awards

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  • They ensured that I had the right insurance coverage in place, so I could focus on settling into my job and life in Canada without constant worry of “what if something happens?”

    Gayle

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  • I never felt rushed or like just another client, they made me feel valued and informed every step of the way. With their guidance, I’ve gained a clearer understanding of my finances, more confidence in my decisions, and a stronger sense of hope for the future.

    Rufa

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  • They made the insurance process easy and hassle-free. Friendly, knowledgeable, and always ready to answer my questions, I highly recommend them to anyone looking for an insurance agency that puts customers first and takes care of things in a timely manner.

    Dr. Florentina

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Our Client Commitment

Personalized Service: Every client is unique. We carefully assess your needs and recommend effective solutions.

Trusted Expertise: Years of insurance and investments experience guiding families and businesses through critical financial decisions.

Building Long-term Relationships: Committed to your ongoing financial security and building wealth.

Our Trusted Partners

Working together to deliver service excellence.

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Contact Us

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