Business Details
31 Years
experience
Your Trusted Financial Partner in Kingston
Hartzman & Associates Inc. has built a reputation for delivering high-quality, comprehensive financial planning services tailored to individual client needs. With over 30 years of combined experience in the financial and insurance industry, our team prioritizes objective, personalized advice to help clients achieve their financial goals. As an independent group not affiliated with banks or insurance companies, we focus on creating customized strategies that align with each client's unique circumstances, goals, and dreams. Our approach involves thoroughly understanding client needs, developing actionable plans, and continuously monitoring progress to ensure long-term financial security. We serve individuals, families, and businesses in the Kingston area, emphasizing transparency, education, and client empowerment.Our expertise spans tax planning, retirement strategies, estate planning, investment management, and risk mitigation. We are committed to exceeding client expectations through ongoing education, industry certifications, and community engagement. Our holistic planning programs, such as Plan2Thrive and Wise Women & Wealth, address life transitions and financial challenges with practical solutions. By collaborating with legal and accounting professionals, we ensure clients receive well-rounded advice. Our dedication to client satisfaction is reflected in our track record of helping clients navigate complex financial decisions with confidence.
Services
Financial Planning
Tax Planning
Retirement Planning
Estate Planning
Insurance Analysis
Portfolio Management
Risk Mitigation Strategies
Investment Advisory
Details
- Year established: 1995
Highlights and features
- We offer 30+ years of combined experience in financial and insurance planning
- Our team holds advanced certifications including Certified Financial Planner and Trust and Estate Planner
- We provide objective advice as an independent firm unaffiliated with banks or insurers
- Our holistic approach integrates tax, retirement, and estate planning strategies
- We prioritize ongoing client education and plan adjustments to match life changes
Associations and certifications
- CFP
- CLU
- RRC
- TEP
- EPC
What people say
Personalized attention
Expertise in estate planning
Proactive communication
Tailored retirement strategies
Knowledgeable team
Services
Financial Planning
Our comprehensive financial planning service creates customized roadmaps to achieve long-term goals. We analyze current financial status, risk tolerance, and future objectives to develop strategies covering investments, tax efficiency, and retirement readiness. Clients receive ongoing support to adapt plans as life circumstances evolve, ensuring sustained progress toward financial security.
Estate Planning
We specialize in creating robust estate plans that preserve wealth for future generations. Our approach combines legal collaboration with tax optimization strategies to minimize probate fees and ensure smooth asset transfer. Services include will preparation guidance, trust structuring, and beneficiary designation reviews to protect clients' legacies.
Retirement Planning
Our retirement planning service focuses on building sustainable income streams while managing market risks. We assess retirement goals, current savings, and income needs to develop withdrawal strategies that maintain purchasing power. Clients benefit from scenario analysis and tax-efficient withdrawal frameworks tailored to their unique situations.
Tax Planning
We implement proactive tax planning strategies to reduce lifetime tax liabilities. Our services include income splitting opportunities, RRSP/TFSA optimization, and capital gains management. By integrating tax considerations into overall financial plans, we help clients retain more of their hard-earned wealth.
Insurance Analysis
Our insurance analysis ensures adequate protection against financial risks while avoiding unnecessary coverage. We evaluate life, disability, and critical illness insurance needs, comparing policies from multiple providers to find cost-effective solutions that align with clients' financial plans.
People
Debbie Hartzman
Certified Financial Planner
With over 25 years of experience, Debbie Hartzman specializes in holistic financial planning. She holds multiple certifications including CFP, CLU, and TEP. Her expertise in estate planning and tax strategies has helped countless clients achieve financial security.
Marnie Hunt
Associate / Manager
Marnie Hunt has supported financial planning operations for 18 years. Her client-focused approach and organizational skills ensure seamless service delivery. She specializes in administrative support and client communication for complex financial strategies.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, estate strategies, tax optimization, insurance analysis, and investment management tailored to individual client needs.
How do you work with clients during major life transitions?
Our Plan2Thrive and Wise Women & Wealth programs help clients navigate life changes through structured goal setting and adaptive financial strategies.
What experience do your advisors have?
Our team has over 30 combined years in financial services with advanced certifications including Certified Financial Planner and Trust and Estate Planner designations.
How are fees structured for your services?
We use transparent fee structures based on service complexity, with options for hourly consultations or comprehensive planning packages.
Do you work with clients outside Kingston?
While based in Kingston, we serve clients across Ontario through virtual meetings and remote financial planning services.
