We are your trusted partner for all your financial service needs, offering expert guidance and tailored solutions to help you achieve lasting financial success.
We are more than just financial advisors; we are dedicated advocates for your financial well-being and success.
Personal & Family Financial Planning
Personal Financial Planning
Take control of your financial future with a personalized plan designed to meet your specific goals. We’ll work with you on budgeting, building savings, creating cash flow management strategies, and setting long-term financial objectives. Whether you’re planning for a large purchase, managing day-to-day expenses, or preparing for future milestones, our expert advice will help you make informed decisions at every stage.
Cash Flow & Budgeting Plans
Developing a budget is key to achieving financial stability. We’ll help you create a cash flow plan that tracks income and expenses, providing the framework to save more, reduce unnecessary spending, and prepare for unexpected costs. With an organized budget, you’ll feel empowered to reach your financial goals faster.
Financial Literacy Workshops
Knowledge is power. Our financial literacy workshops are designed to educate individuals and families on the basics of personal finance, including budgeting, saving, investing, and managing debt. These workshops provide you with the tools and confidence to make sound financial decisions.
Retirement Planning
Retirement Planning
Plan for the retirement you deserve. Whether you want to maximize your RRSP, set up an RRIF, or explore TFSAs, our retirement planning services will help you understand your options, maximize tax efficiency, and create a strategy that supports your desired lifestyle in retirement.
Annuities & Lock-in Retirement Accounts (LIRA)
Annuities offer a guaranteed income stream for retirement, providing financial peace of mind. A Lock-in Retirement Account (LIRA) helps you manage pension funds when switching employers or retiring. We’ll provide tailored solutions that fit your retirement planning needs.
Estate Planning
Estate Planning
Protect your legacy and ensure your wishes are carried out. We provide Estate Planning services, including the creation of wills, powers of attorney, and trusts, so that your assets are distributed according to your wishes.
Insurance and Risk Management
Life Insurance (UL, Term, Whole Life)
Protect your family and loved ones with life insurance. Whether you need Term Life for temporary coverage, Whole Life for permanent protection, or Universal Life for flexibility and investment potential, we’ll help you choose the right policy to suit your needs and budget.
Disability & Critical Illness Insurance
Life can change unexpectedly, and disability or illness can impact your ability to earn an income. Our Disability Insurance ensures you have financial support during your recovery.
Critical Illness Insurance provides a lump-sum payout if you’re diagnosed with a serious illness, helping cover medical bills and living expenses during difficult times.
Travel, Home, Auto & Pet Insurance
Whether you’re traveling abroad, protecting your home, or covering your vehicle, we offer comprehensive Travel, Home, Auto, and Pet Insurance. With personalized plans, you’ll have peace of mind knowing your assets and loved ones are protected from the unexpected.
Health & Dental Benefit Plans
Protect yourself and your family with Health & Dental Benefit Plans that cover medical expenses not covered by provincial health insurance. From prescription drugs and vision care to dental visits and therapy, we’ll help you find a plan that suits your needs.
Commercial & Group Insurance
For business owners, we provide Commercial Insurance to protect your assets, property, and operations. We also offer Group Insurance plans for your employees, ensuring they have access to health, dental, life, and disability coverage, which can help retain and attract top talent.
Business Financial Services
Entrepreneurial Pathway & Continuous Support
For those looking to start or grow their own business, we provide continuous support and mentorship, guiding you through the challenges of entrepreneurship. Our expert team offers personalized advice and resources to help you build a solid foundation and set your business up for success.
Business Financial Solutions
We offer a comprehensive suite of services for entrepreneurs and business owners. From managing cash flow, securing financing, and offering employee benefit plans to developing tax-efficient strategies, we help businesses grow, protect assets, and thrive in a competitive marketplace.
Investment Services
Segregated and Mutual Funds
Segregated funds offer the benefit of both professional management and protection, while mutual funds provide diversified investment opportunities. We’ll guide you through understanding both options and help you select the best investments to align with your goals, risk tolerance, and time horizon.
Non-Registered Investments
In addition to tax-advantaged options like RRSPs and TFSAs, non-registered investments offer flexibility without contribution limits. We’ll help you identify the right mix of stocks, bonds, ETFs, and alternative investments to help your wealth grow.
Registered Savings Plans (RRSP & RRIF, RDSP, RESP, TFSA, FHSA)
We offer expert guidance on Canadian tax-sheltered investment options, including RRSPs, RRIFs, TFSAs, RESPs, RDSPs, and FHSA. We’ll help you maximize your tax advantages and save for retirement, education, or long-term goals while ensuring your investments work for you.
Debt Management and Credit Repair
Debt Management & Consolidation
Struggling with debt? We offer a strategic approach to help you manage and consolidate debt. By combining multiple payments into one, we make it easier to pay off debt while potentially lowering interest rates. Our experts will work with you to develop a plan that gets you back on track to financial freedom.
Credit Repair Referral
If you’re facing challenges with your credit score, we provide referrals to trusted professionals who can help repair and rebuild your credit, giving you the opportunity to improve your financial standing and access better rates for future loans.
Mortgage and Referral Programs
Our Mortgage Referral Program connects you with trusted mortgage brokers and lenders to help you find the best rates and terms for your home purchase or refinancing needs. Whether you’re buying your first home or looking to refinance, we’ll ensure you have the support you need to make informed decisions.
Funeral Planning
Funeral planning is a crucial step in relieving your loved ones of the burden of making difficult decisions during a time of grief. By pre-arranging your funeral, you ensure that your wishes are known, reducing stress and financial strain on those you leave behind.
At Heart in Finance, we’ve had the privilege of collaborating with some of the industry’s top companies.
Here are a few of them.
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