Business Details
Your Trusted Partner for Tax & Estate Planning Solutions
At SOLE Financial, we are a full-service independent financial planning firm dedicated to providing leading financial information combined with a wide range of competitive financial products. Our team serves individual, professional, and business clients without allegiance to any single financial institution, allowing us to survey the Canadian marketplace and offer the best products and pricing from leading companies tailored to your needs. With expertise in tax and estate planning, investment analysis, insurance solutions, and employee benefits, we deliver personalized strategies designed to meet your unique financial goals. Our certified professionals, including Certified Financial Planners and licensed advisors, bring decades of combined experience in economics and finance to ensure comprehensive, client-focused service.We prioritize transparency, ethical practices, and long-term client relationships, helping you navigate complex financial decisions with confidence. Our commitment to excellence is reflected in our detailed approach to minimizing tax liabilities, protecting wealth, and optimizing retirement and investment plans. We specialize in Disability Tax Credit applications, final estate returns, and small business tax deductions, ensuring clients receive all entitled benefits. Our mission is to empower clients to achieve financial security through innovative solutions and personalized guidance.
Services
Tax Planning
Estate Planning
Investment Analysis
Insurance Solutions
Employee Benefits
Highlights and features
- We offer personalized financial solutions tailored to your unique needs.
- Our team includes Certified Financial Planners with advanced economics degrees.
- We provide transparent pricing with no hidden charges for tax services.
- We specialize in Disability Tax Credit applications and estate planning.
- Our independent status ensures unbiased recommendations from top providers.
Associations and certifications
- Certified Financial Planner (CFP)
Services
Tax Planning
Our tax planning services help individuals and businesses minimize liabilities through strategic deductions and credits. We specialize in Disability Tax Credit applications, small business tax optimization, and final/estate returns. Our experts ensure compliance with Canada Revenue Agency regulations while maximizing refunds and savings opportunities for clients.
Estate Planning
Comprehensive estate planning solutions guide clients through will creation, probate processes, and legacy distribution. We assist with final returns and tax-efficient asset transfers while navigating complex requirements. Our professionals help ensure your estate is managed according to your wishes while minimizing government collection through strategic planning.
Investment Analysis
We analyze clients' financial goals, risk tolerance, and values to create customized investment strategies. Our services include RRSP, TFSA, RESP, and pension plan management with projections for retirement income. We focus on wealth accumulation and income planning through diversified investment vehicles tailored to individual circumstances.
Insurance Solutions
Our insurance services assess current and future risks to protect clients' wealth through life, disability, critical illness, and travel coverage. We offer term, permanent, and universal life insurance options alongside health and dental plans. These solutions help transfer exposure and safeguard financial security against unexpected events.
Employee Benefits
We design and manage comprehensive group benefits packages for businesses including life, disability, and extended health coverage. Our retirement plan solutions feature RRSPs, DPSPs, and pension plans that help employers attract talent while providing tax advantages for both businesses and employees.
People
Lisa Ostermann
Certified Financial Planner
BA (Economics) graduate with Certified Financial Planner designation. Licensed in life insurance, mutual funds, and mortgages. Completed advanced courses in financial planning, wealth management, and insurance benefits. Specializes in personalized financial strategies.
Eric V.T. Stewart
Financial Security Advisor
Honors BA and MA in Economics with expertise in financial security. Licensed professional in insurance, mutual funds, and mortgages. Completed specialized training in group benefits and retirement planning. Focuses on comprehensive financial solutions.
Questions
What tax services do you offer for individuals?
We provide complete personal tax preparation, Disability Tax Credit applications, and back-filing assistance with flat-rate pricing and no hidden fees.
Do you help small businesses with tax planning?
Yes, we specialize in small business tax deductions, CRA compliance, and long-term tax minimization strategies tailored to your business structure.
What estate planning services are available?
Our estate planning includes will creation, probate guidance, final returns, and tax-efficient asset distribution strategies to protect your legacy.
Can you assist with investment portfolio management?
We offer personalized investment analysis and portfolio management across RRSPs, TFSAs, and other accounts to meet your specific financial goals.
What insurance products do you provide?
We offer life, disability, critical illness, and travel insurance solutions alongside comprehensive group benefits packages for businesses.
