At Harmer Wealth Management and The Harmer Group, we offer a full-service financial planning experience that guides you seamlessly through every life milestone. Serving Oshawa, Whitby, Bowmanville, Clarington, Scugog, Port Hope, Cobourg, Peterborough, Cavan, Prince Edward County, Picton, and surrounding communities, our advisors are here to help you achieve financial confidence at every step.
We integrate real estate, mortgages, investments, retirement planning, insurance, estate planning, and tax planning into one complete strategy tailored specifically to your needs. Whether you’re a retiree, young family, first-time homebuyer, or an experienced investor, our goal is to simplify your financial decisions and maximize your wealth.
Our Complete Financial Planning Services
At Harmer Wealth Management, we provide comprehensive financial advice, eliminating the need to manage multiple advisors or institutions. Here’s how our complete approach can help you:
Retirement Planning and Income Strategies
- Develop strategies to generate sustainable retirement income.
- Evaluate pension options, including commuting pensions for greater control.
- Create tax-efficient withdrawal plans to extend your retirement savings.
Downsizing Your Home
- Assist with the sale of your current home and the purchase of a smaller property.
- Strategically reinvest equity from your home to fund retirement comfortably.
Homeownership and Real Estate Guidance
- First-time and upgrade home buying assistance.
- Real estate investment strategies to diversify your financial portfolio.
- Mortgage refinancing to lower payments and access equity effectively.
Education Savings Planning
- Expert advice on Registered Education Savings Plans (RESPs).
- Maximize government grants and investment growth to ensure adequate education funds.
Investing an Inheritance
- Customized strategies to safely invest inherited funds.
- Balance growth, income, and security based on your personal financial goals.
Life Insurance and Protection
- Determine appropriate life insurance coverage to secure your family’s future.
- Assess additional coverage like disability and critical illness insurance.
Estate Planning
- Comprehensive estate planning to protect your family and assets.
- Strategies to minimize estate taxes, ensuring your legacy is passed efficiently.
Tax Planning
- Ongoing tax planning designed to minimize your annual tax obligations.
- Optimize investments, retirement contributions, and estate strategies for tax efficiency.
Investment Evaluation and Alignment
- Regular investment reviews to ensure alignment with your personal objectives.
- Portfolio rebalancing and diversification to maintain optimal growth and risk management.
Your Trusted Local Financial Advisors
As experienced Financial Advisors, Financial Planners, Retirement Planners, Mortgage Brokers, and Real Estate Agents, our dedicated team understands the unique financial landscape of Oshawa, Whitby, Bowmanville, Clarington, Scugog, Port Hope, Cobourg, Peterborough, Cavan, Prince Edward County, and Picton. We provide personalized, practical guidance that supports your financial security and peace of mind from start to finish.
Ready to take the first step towards achieving your financial goals?
Book a consultation by visiting: Harmer Wealth Management Consultation