About Harmer Wealth Management
Harmer Wealth Management is a financial advisory firm based in Clarington and serving Oshawa, Whitby, Bowmanville, Port Hope and Peterborough, with a specialty in retirement planning and retirement income. Over nearly two decades, we have helped thousands of clients plan, invest, borrow, insure and buy or sell property — as one coordinated strategy, with one team.
This page is the honest introduction: who we are, what we believe, how we are licensed, and who you will actually work with.
Why the Practice Is Built This Way
Most people’s financial lives are not divided into departments, but most financial advice is. The investment firm does not see the mortgage. The mortgage broker does not see the retirement plan. The real estate agent sees neither. Decisions that belong together get made apart.
We built Harmer Wealth Management to close those gaps. Investment management, financial planning, mortgages, insurance and real estate live under one roof, so the advisor planning your retirement income is on the same team as the broker structuring your renewal and the agent handling your downsize. One plan, one team — and advice that accounts for your whole picture, because the whole picture is in the room.
What You Can Expect From Us
- Straight answers. We tell you what the numbers say, including when they say something you were not hoping to hear.
- A plan before a product. Recommendations come from your plan, not a product shelf, and we explain the reasoning behind every one.
- A long-term relationship. Plans are reviewed, not filed. Markets move, rules change, life happens — and your plan keeps up.
- Respect for your time. Clear communication, prepared meetings, and an office that responds.
Who You’ll Work With
Chad Harmer, PFP, CIM, FCSI — Founder
Chad founded Harmer Wealth Management on a conviction formed over nearly two decades in financial services: advice works best when the person giving it can see the whole picture. He began his career as a Financial Advisor at RBC Royal Bank, moved to Scotiabank Wealth as an Investment Specialist, and has run his own practice through Investia Financial Services since 2016.
He holds the Personal Financial Planner (PFP) and Chartered Investment Manager (CIM) designations, is a Fellow of the Canadian Securities Institute (FCSI), holds an MBA, and studied finance and psychology at Harvard University — a combination that shapes how he reads both the numbers and the people behind them. He is also a licensed mortgage broker and life and disability insurance advisor, and leads The Harmer Group, the firm’s real estate team.
His perspective on financial planning has been featured in Forbes, Fortune, Entrepreneur, Benzinga and Realtor, and closer to home he co-chairs the Orono DBIA. Outside the office, Chad and his husband Bryan split their time between Durham Region and the cottage in Haliburton, usually outnumbered by their two Golden Retrievers, Maui and Jax.
Alisha Reid — Financial Advisor, Mortgage Agent & Realtor
Alisha is the integrated model in one person. Licensed across financial advice, mortgages and real estate, she works with clients whose plans cross all three — a purchase that reshapes the savings strategy, a renewal that changes the monthly budget, an investment plan that has to fund both. A foundational member of the team, she makes sure the plan and the transaction never lose sight of each other.
Amanda Regan — Client Relations Manager
Amanda is most clients’ first conversation with the firm and the person who keeps the experience running smoothly from there: booking consultations, coordinating onboarding, and making sure every question reaches the right advisor quickly. If working with us feels organized and personal at the same time, that is Amanda’s doing.
Jordan Heickert — Operations Manager
Jordan runs the machinery behind the advice — account openings, transfers, document signing and the operational detail that has to be right the first time. On the mortgage side, he takes approved files from start to finish, so closings land on time and nothing gets missed.
Licensing and Oversight
Trust should be verifiable, so here is how the practice is structured and regulated:
- Mutual fund products are offered through Investia Financial Services Inc.
- Insurance products are offered through PPI Insurance
- Mortgage products are offered through MortgageBroker.ca, Licence 12707 — Chad Harmer, Licence M19000975.
- Real estate services are provided through The Harmer Group, Royal Heritage Realty Ltd., Brokerage.
Our office is at 5301 Main Street, Clarington, Ontario, by appointment only.
Rooted Here
We are a Durham Region firm by choice. Our clients are our neighbours across Oshawa, Whitby, Bowmanville, Port Hope and Peterborough — GM retirees, OMERS and HOOPP members, business owners, young families — and our commitments run local, from co-chairing the Orono DBIA to the community work that comes with being from the place you serve.
Start With a Conversation
The best way to know whether we are the right fit is to talk. If you are ready to discuss your plan, book a consultation — we will listen first, explain how we work, and you can decide from there.