Strategic Financial Planning for Canadians & Business Owners
Clarity. Confidence. A plan that fits your life — or your organization.
Who I Work With
🔷 Individuals & Families
Retirement income planning, pension unlocking, investment guidance, and insurance solutions designed to protect your financial future.
🔶 Business Owners & Employers
Group RRSPs, benefits, corporate insurance planning, and employee financial wellness — tailored to your organization’s goals.
Retirement & Wealth Planning for Canadians 45+
Every financial decision gets easier with a clear plan. I help you structure your retirement income, understand your pension, and protect what matters most.
Retirement Income Planning
Decumulation strategies
Tax-efficient withdrawal plans
CPP/OAS timing
Coordinating RRSP, TFSA & non-registered assets
Clawback minimization
Pension & LIRA Strategy
Commuted value analysis
LIRA optimization
Unlocking (Ontario, AB, BC)
Survivor benefit planning
Transfer strategies
Insurance & Long-Term Protection
Life insurance
Critical illness & disability
Estate planning strategies
Business-owner insurance planning
Group Benefits & Corporate Insurance Solutions
Your employee benefits and insurance strategy should support retention, protect your business, and align with your long-term goals.
Group Savings & Benefits
Group RRSP
TFSA & DPSP plans
Defined Contribution pension setups
Group health & dental
Cost-control strategies
Corporate Insurance Strategies
Corporate-owned life insurance (COLI)
Shared-ownership critical illness
Estate planning for business owners
Key person protection
Employee Financial Wellness
Retirement education sessions
Pension & benefits clarity for staff
One-on-one employee support
Insurance That Protects What Matters Most
Insurance is more than a product — it’s a core part of your financial strategy.
Areas of focus:
Corporate-owned life insurance
Shared-ownership critical illness
Personal life, CI & disability
Business succession protection
Tax-efficient risk planning
Your plan should reduce risk, protect your future, and support long-term growth.
Ready for Clarity in Your Financial Plan?
Let’s build a strategy that supports your goals — whether you’re planning retirement or improving your company’s benefits.
✓ Schedule a Free Consultation
✓ Discover Tailored Solutions
✓ Start Building Financial Confidence
Let's transform your financial vision into results.
Contact
info@yourwealthguy.ca
Location
Toronto, ON
Phone
647.831.4002
Regulatory & Website Disclosure
Mutual funds are provided through Wealthforce Inc., a registered Investment Dealer and member of the Canadian Investment Regulatory Organization (CIRO) and the Canadian Investor Protection Fund (CIPF).
Insurance products are offered through Ron Halabi as an independent life insurance agent.
Information on this website is for educational purposes only and does not constitute investment advice.
No orders or account instructions will be accepted through this website.
Products and services described are intended for Canadian residents only.
Past performance is not indicative of future results. Investment and insurance products are not guaranteed and may fluctuate in value.
Complaints & Client Concerns:
If you have a complaint, please contact us first. You may also contact our dealer or escalate to OBSI.
Submit a complaint directly with our dealer: Wealthforce - Compliance