Helpful Advice
Subscribe to receive ongoing advice on investing to help you make the right decisions.
The Lifetime Income Portfolio: A Sustainable Approach to Retirement Income
In the realm of retirement planning, ensuring a stable and sustainable income stream remains a paramount concern for individuals transitioning into or already enjoying their retirement years. Harmer Wealth Management, under the guidance of Chad Harmer, has crafted a...
Financial Advisor in Oshawa: 8 Questions GM, OMERS and HOOPP Pension Members Should Ask Before Retiring
If you are searching for a financial advisor in Oshawa and you have a defined benefit pension, the most valuable thing an advisor can do for you is not pick investments. It is to help you get a handful of one-time, irreversible pension decisions right — the retirement...
When Should You Take CPP and OAS? A 2026 Guide for Retirees in Bowmanville, Whitby, Oshawa, Port Hope and Newcastle
For most healthy retirees in Durham Region and Northumberland County who have other income to live on, deferring CPP past 65 — and often OAS as well — produces more lifetime income and a larger indexed paycheque in the years when it matters most. For retirees with...
Retirement Income Planning in Port Hope: Turning Savings, CPP and Home Equity into a Monthly Paycheque
Retirement income planning is the process of turning everything you have accumulated — RRSPs, TFSAs, a pension, CPP and OAS, non-registered savings and, for many Port Hope households, a paid-off home — into a monthly amount you can count on for the rest of your life,...
Retirement Planning in Bowmanville: A 10-Year Countdown Checklist for Clarington Families
If you live in Bowmanville, Courtice, Newcastle or Orono and retirement is somewhere between five and fifteen years away, this is the decade that matters most. Not because it is too late to fix things, but because it is the last stretch where the big levers — how much...
Respected Advisors
Harmer Wealth is a unique firm with unique solutions. Let’s create one for you soon.
Contact
1.800.723.2138
Info@HarmerWealth.com
M-F: 8am-5pm
Subscribe
Sign up to receive Harmer Wealth’s insight on wealth planning & investing.
Our Dealer & Brokerage
Mutual Fund Representative
Disclaimer | Privacy Policy | How to File a Complaint