What We Do

       “We use creative financial solutions to turn our client’s life dreams into realities”

Our Commitment to our Clients 

  • Show up on Time
  • Do What we Say
  • Finish What we Start
  • Say Please and Thank you

Each of these four habits is based on showing respect and appreciation for other people. Many of our business principles are derived from The Strategic Coach®.
As part of our service commitment, you can expect the following: 

  • Warm, friendly atmosphere with great staff
  • Phone calls returned within 24 hours or sooner
  • Regular communication, E-newsletters, market updates etc.
  • Informational Seminars for the whole family
  • Annual Reviews

As The Pension Specialists™ we have created and customized a wide range of services to ensure that our clients maintain their future lifestyle.

        The Pathway to Prosperity™ for Individuals

Unique to the team is the concept of The Pathway to Prosperity™ which is our 5 step process designed specifically to help you eliminate your financial dangers, capture your opportunities, and build on your individual strengths and past experiences. We are able to design distinctive solutions to your individual situation by evaluating your past experiences, present, and future lifestyle needs.


        The Pathway to Prosperity for Business Owners

As a successful professional or entrepreneur – you have spent a good portion of your life building your business. You made a lot of sacrifices to get where you are – both financially and personally. Now you have the opportunity to integrate your hard work into your life’s dream. The Pathway to Prosperity for entrepreneurs was designed specifically with you in mind.


Nearing Retirement

Planning for retirement is a complex, lifelong commitment; there are no shortcuts, or one size fits all solutions. We are here to help! We believe cash flow is the most important component – this is what drives retirement – that there is no magic number, everyone’s life is different. We approach retirement as a process and work towards that goal. The first step is to start with The Pathway to Prosperity or our Pension Navigation process.


        The Pension Navigation Process™

Tune up your retirement today! The Pension Navigation Process™ has been created for individuals nearing retirement. As The Pension Specialists™, we are well equipped with the proper tools to ensure that you transition into retirement successfully.

        Severance Packages /Retiring Allowances

The sudden loss of your job is an emotional, gut-wrenching experience, regardless whether you are being terminated or offered some kind of early retirement package.
If you are unfortunate enough to find yourself in this position, you will be faced with a myriad of financial decisions regarding your severance package. One of those options may include you being eligible for a retiring allowance. If you find yourself on the roster of the newly unemployed, seek professional advice and make sure someone reviews your package. A good rule of thumb is not to sign a severance agreement until you've had ample time to think it over and do some research. It’s important to understand how this will impact your personal circumstances. We are here to help!

Check out our articles as featured in the Canadian Money Saver Magazine …

        UK Pensions

If you have worked in the UK and are now living in Canada, and think you may have an Occupational or Personal Pension or be entitled to the UK State Pension, contact us to find out more. These are important decisions and we can help provide you with independent advice to help you with your decision making process as to transferring your pension to Qualified Recognized Overseas Pension Scheme (QROPS) or enhancing your UK State Pension.

       Defined Benefit Pension Plans like OMERS/Hydro

Many people working in public and private sectors with defined benefit pension plans use our services to help them choose the pension option that suits their needs. Basically, there are usually two options available to someone who is retiring or terminating their employment. There is a pension option or commuted value. Unknown to many people is the alternative option of transferring the present value of their pension plan to an Individual Pension Plan. 

       Investment Approach

We use Counsel Portfolio Services a comprehensive portfolio service centered on providing investors with a disciplined approach to investing for the long-term. Together, we are dedicated to providing our clients with a sound intellectual framework to help you make effective long-term investment decisions. We achieve this through the continuous research, selection & monitoring of investment specialists, and by providing solutions that are efficiently diversified and effectively managed. 

How we are compensated…
As providers of financial advice, we believe in full transparency. We are compensated in a variety of ways, including: 

  • Investment management fee – based on assets under our management
  • Commission – typically embedded in investment and insurance products

We will outline the various fee and compensation structures available to you. The initial consultation will be at our expense so that we can focus on three main areas, dangers, opportunities and strengths. This will enable you to get a much clearer picture of what is standing in your way, what you might gain and what will make it possible for you to turn your life dreams into reality.

Disclaimer: The information contained herein is for ON residents only and does not constitute an offer to sell or solicit sales in any other Canadian or foreign jurisdictions.