Headwaters Financial Group

Our Story

At our financial planning firm, we believe that planning for your financial future should be an enjoyable and empowering experience. That's why we're dedicated to providing friendly, prompt, and professional service to help you achieve your goals. With a team of experienced and certified advisors, we'll work with you to evaluate your needs, investigate solutions, and implement strategies tailored to your unique situation.

Meet Our Team

Our team of experts is led by Dave Kudsia, CFP, CIM, B.Comm, who has spent the last 15 years serving high-net-worth investors and their families. With a deep understanding of retirement income planning, Dave focuses on creating personalized plans that integrate workplace savings, personal plans, and government benefits, in addition to overseeing portfolio design. Our team also includes Stephen Derzaj, CIM, BA, who has demonstrated a deep understanding of planning-focused portfolio strategies, and Tom Carroll, CFP, CIM, B.Comm, who prides himself on guiding clients along their personalized investment journey. Rounding out our team is Paul Plishka, CFP, CIM, B.Sc., who dedicates himself to thoroughly understanding and appreciating every client's situation before offering recommendations.

Our Services & Products

We offer a comprehensive range of services and products designed to help you achieve your financial goals. From investment management and retirement income planning to life insurance and estate planning, we'll work with you to create a personalized plan that meets your unique needs. Our services include:

• Investment management: We'll help you navigate the complexities of the investment world and create a portfolio that aligns with your goals and risk tolerance.
• Retirement income planning: We'll work with you to create a personalized plan that integrates workplace savings, personal plans, and government benefits to ensure a secure financial future.
• Life insurance: We'll help you understand your options and create a plan that provides protection for you and your loved ones.
• Estate planning: We'll guide you through the process of creating a comprehensive estate plan that ensures your wishes are carried out.

Our Approach

At our firm, we believe that every client is unique, and that's why we take a personalized approach to financial planning. We'll take the time to get to know you, understand your goals and values, and develop a plan that's tailored to your individual situation. We're committed to providing transparent, unbiased advice, and we'll work with you to ensure that you understand every aspect of your plan.

Our Values

At our core, we're a firm that values trust, transparency, and a genuine concern for our clients' financial well-being. We believe that financial planning should be a collaborative process, and we're dedicated to building enduring and robust relationships with our clients. We're passionate about helping our clients achieve their goals, and we're committed to providing exceptional service and guidance every step of the way.