Business Details
Your Trusted Financial Planning Partner in Guelph
Headwaters Financial is a dedicated team of financial professionals committed to helping clients navigate the complexities of financial planning. With decades of combined experience, we specialize in creating personalized retirement income strategies that integrate workplace savings, personal plans, and government benefits while overseeing portfolio design. Our team holds prestigious designations such as Certified Financial Planner (CFP) and Chartered Investment Manager (CIM), ensuring clients receive expert guidance tailored to their unique circumstances. We prioritize building enduring relationships based on trust, transparency, and a genuine concern for our clients' financial well-being. Our approach revolves around developing solutions that are tailor-made for each individual, whether they are high-net-worth investors, younger generations starting their financial journey, or families seeking stability.We emphasize tax efficiency, risk management, and continuous monitoring of investments to align with evolving goals. Backed by Manulife Wealth Inc. and Headwaters Financial Group Ltd., we offer a comprehensive suite of services including estate planning, business risk management, and insurance solutions. Our dedication to client-centric service is reflected in our prompt professional support and attention to detail. Located in Guelph, Ontario, we serve clients across Kitchener, Georgetown, and surrounding areas, combining local expertise with global financial insights. Our team's diverse backgrounds in economics, finance, and client relations ensure a well-rounded perspective to address every financial challenge.
Services
Investment Management
Retirement Planning
Estate Planning
Risk Management
Tax Efficiency Strategies
Highlights and features
- We offer 18+ years of experience in wealth management for high-net-worth clients
- Our team holds industry-leading CFP and CIM designations
- We provide personalized investment strategies tailored to individual circumstances
- We combine technical expertise with compassionate client relationships
- Our comprehensive approach covers retirement, estate, and business planning
Associations and certifications
- CFP (Certified Financial Planner)
- CIM (Chartered Investment Manager)
Services
Investment Management
We create customized investment portfolios aligned with your financial goals and risk tolerance. Our team continuously monitors market trends and adjusts strategies to optimize returns while maintaining tax efficiency. With expertise in asset allocation and fee analysis, we ensure your investments work effectively toward long-term objectives.
Retirement Planning
Our specialists develop comprehensive retirement income strategies that integrate workplace savings, personal plans, and government benefits. We analyze CPP, OAS, and pension options while creating projections to ensure financial security throughout retirement. Our approach considers tax implications and estate planning considerations.
Estate Planning
We help preserve your legacy through strategic estate planning that includes trust creation, charitable donations, and intergenerational transfers. Our team coordinates with legal professionals to implement gifting strategies and estate bonds while addressing tax implications of asset distribution.
Risk Management
Our comprehensive risk assessment identifies protection needs for income, assets, and family security. We offer tailored insurance solutions including life, disability, and critical illness coverage through Manulife Vitality and other trusted providers to safeguard against financial uncertainties.
Tax Efficiency Strategies
We implement CRA-compliant tax minimization strategies for individuals and businesses, including tax-deferred investments and income-splitting techniques. Our advisors collaborate with chartered accountants to optimize tax conversions and ensure compliance with evolving tax regulations.
People
Dave Kudsia
Investment Advisor
Certified Financial Planner with 18 years of experience serving high-net-worth clients. Former pharmaceutical industry professional with McMaster University commerce degree. Specializes in retirement income planning and portfolio management.
Stephen Derzaj
Financial Advisor
Chartered Investment Manager with expertise in portfolio strategies. Combines analytical skills with personalized service to help clients achieve financial goals. Active in community sports and family-oriented activities.
Tom Carroll
Associate Advisor
University of Guelph economics graduate with CFP and CIM designations. Focuses on personalized investment journeys while maintaining passion for golf and sports activities.
Paul Plishka
Senior Financial Advisor
Develops tailored financial solutions with emphasis on trust and transparency. Enjoys outdoor activities and maintains lifelong interest in earth sciences while managing client relationships.
Andrew Hodgkinson
Associate Advisor
Helps younger clients navigate first-time investments and home savings. University of Guelph graduate with CIM designation, focusing on simplifying complex financial concepts for new investors.
Questions
What financial planning services do you offer?
We provide comprehensive services including investment management, retirement planning, estate strategies, tax efficiency solutions, and risk management tailored to individual needs.
How do you work with younger investors?
We help younger clients with home savings, family planning, and basic investment strategies, simplifying complex concepts to build long-term financial security.
What credentials do your advisors hold?
Our team includes Certified Financial Planners (CFP) and Chartered Investment Managers (CIM) with decades of combined experience in wealth management.
How are investment fees handled?
We conduct detailed fee analysis to ensure transparency and optimize cost-efficiency in all investment portfolios we manage.
Do you work with other professionals?
Yes, we collaborate with chartered accountants and legal professionals to ensure comprehensive tax and estate planning solutions.
