Business Details
50+ Years
experience
Your Trusted Financial Partner in St. Marys, ON
Blacks Financial has served St. Marys and surrounding areas since 1975, dedicated to helping clients achieve their financial goals through personalized investment and insurance solutions. Our team of experienced advisors prioritizes trust, open communication, and community values, offering tailored services to meet individual needs. With decades of combined expertise, we specialize in retirement planning, mortgage insurance, life and health insurance, and risk management strategies.Our commitment to client satisfaction extends beyond standard offerings, incorporating flexible policies like convertible term insurance and beneficiary customization. We operate with transparency, ensuring clients understand their options while providing evening and weekend appointments for convenience. Rooted in local relationships, we blend professional rigor with a personal touch to support long-term financial security.
Services
Investments
Life Insurance
Mortgage Insurance
Disability Insurance
Critical Illness Insurance
Retirement Planning
Term Insurance
Whole Life Insurance
Details
- Year established: 1975
Highlights and features
- We offer personalized financial planning since 1975 with local expertise.
- Our advisors provide transparent mortgage insurance policies with beneficiary customization.
- We deliver flexible investment options including segregated funds and annuities.
- Our team combines 80+ years of combined experience in financial security advising.
- We offer evening and weekend appointments for client convenience.
Services
Investments
We offer tailored investment solutions including segregated funds, mutual funds, GICs, RRSPs, and TFSA accounts. Our advisors assess risk tolerance and financial goals to create diversified portfolios. Services cater to retirement planning, education savings, and home purchase objectives.
Mortgage Insurance
Our mortgage insurance policies provide economical short-term coverage with unique benefits. Policies allow beneficiary designation, contingent options, and conversion flexibility without additional medical assessments. Designed to protect your home investment while offering policyholder control.
Critical Illness Insurance
This service offers lump-sum payments upon diagnosis of covered illnesses like cancer or heart disease. Funds help cover medical expenses, lost income, or recovery costs. Policies include comprehensive illness definitions and flexible payout structures for financial security during health crises.
Disability Insurance
We provide income replacement coverage for work-limiting disabilities. Policies protect earned income against physical impairments or psychological conditions preventing job function. Customizable terms ensure alignment with individual occupational risks and financial obligations.
Life Insurance
Our life insurance portfolio includes term, whole life, and universal life policies. Term insurance offers convertible coverage for evolving needs, while permanent options provide lifelong protection with flexible premiums and unbundled pricing structures for long-term estate planning.
People
Rick Coward
Insurance/Investment Representative
Rick has been a Financial Security Advisor since 1986, specializing in personalized financial planning. He prioritizes client relationships and community involvement, balancing family life with boating and motorcycling hobbies.
Tony Ferriera
Insurance/Investment Representative
Tony brings economics expertise and 30+ years of advisory experience. Former Co-operators claims specialist, he focuses on golf and travel while delivering comprehensive financial solutions tailored to client needs.
Pat Coward
Office Manager
Pat transitioned from advisory to operations management, ensuring smooth firm operations. Passionate about painting and gardening, she balances family life with administrative expertise as a mother of three.
Darren Bailey
Insurance/Investment Representative
Darren collaborates with senior advisors to deliver client-focused solutions. Combines golf enthusiasm with family time while supporting investment and insurance service delivery in the St. Marys community.
Amanda Fuhr
Financial Consultant
Amanda combines marketing expertise with financial consulting experience. After family time, she organizes sporting events at local ranges, leveraging dual expertise to enhance client service delivery since 2005.
Questions
What investment options do you offer?
We provide segregated funds, mutual funds, GICs, RRSPs, TFSA accounts, and annuities tailored to individual risk tolerance and financial goals.
How do you assess client financial needs?
Our advisors conduct personalized consultations to evaluate goals, risk tolerance, and accessibility requirements, creating customized investment and insurance strategies.
What mortgage insurance benefits do you provide?
Our policies offer beneficiary designation flexibility, convertibility options, and upfront insurance approval notifications for transparent mortgage protection solutions.
Do you offer evening appointments?
Yes, we provide evening and weekend appointments by arrangement to accommodate client schedules outside regular business hours.
What life insurance products are available?
We offer term, whole life, and universal life insurance policies with convertible options and flexible premium structures for comprehensive estate planning.
How experienced is your team?
Our advisors have combined experience spanning 150+ years, with individual tenures ranging from 1986 to present in financial security advisory roles.
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