Business Details
8 Years
experience
Your Trusted Financial Planning Partner in St. Catharines
At Integrated Wealth Advisory, we specialize in crafting personalized financial strategies tailored to the unique objectives of individuals, families, and businesses. Our approach begins with a comprehensive analysis of your financial goals, risk tolerance, cash flow needs, and estate wishes, ensuring every plan is customized to your circumstances. Unlike firms tied to proprietary products, we offer unbiased recommendations focused solely on your best interests.Our team, led by experienced advisors Karen Rotz and Wendy Wiebe, leverages collaborative expertise and access to specialized professionals like Chartered Accountants to deliver integrated solutions. With a commitment to transparency and client education, we prioritize long-term relationships built on trust and measurable outcomes.
Services
Financial Planning
Retirement Planning
Estate Planning
Investment Tax Planning
Portfolio Analysis
Insurance Analysis
Details
- Year established: 2018
Highlights and features
- We create customized financial plans based on your unique goals and risk tolerance.
- Our team collaborates with Chartered Accountants for integrated tax and estate planning.
- We provide unbiased advice without proprietary product requirements.
- Combined decades of experience in retirement and investment strategy development.
- Focus on long-term client relationships through transparent communication and education.
Associations and certifications
- CPA Canada
Services
Financial Planning
Our financial planning service creates tailored roadmaps to achieve your long-term goals. We analyze cash flow, risk tolerance, and investment preferences to build strategies that adapt to life changes. Clients benefit from ongoing reviews to ensure plans remain aligned with evolving objectives.
Retirement Planning
We design retirement plans that balance savings growth with tax-efficient income distribution. Our seven-step process includes asset allocation, diversification strategies, and regular portfolio adjustments to maximize sustainability throughout retirement years.
Estate Planning
Our estate planning integrates legal and tax considerations to preserve wealth for heirs. We coordinate wills, trusts, and beneficiary designations while minimizing probate costs and tax liabilities through collaborative CPA partnerships.
Investment Tax Planning
We optimize investment structures across RRSPs, TFSAs, and taxable accounts to reduce tax exposure. Our analysis includes holding-period optimization, tax-loss harvesting, and coordination with overall financial objectives for maximum efficiency.
Insurance Analysis
Our insurance reviews evaluate coverage adequacy for life, disability, and critical illness needs. We quantify protection gaps and recommend cost-effective solutions aligned with family obligations and business requirements.
People
Wendy Wiebe
Financial Advisor
Wendy Wiebe combines 25+ years of financial expertise with Olympic-level discipline. After rowing career achievements, she refreshed her licenses in 2018 to co-found IWA, specializing in client-focused wealth strategies.
Karen Rotz
Financial Advisor
Karen Rotz brings extensive experience in personalized financial solutions. Her collaborative approach focuses on comprehensive planning, ensuring clients achieve both immediate and long-term financial objectives through tailored strategies.
Al Teeter
Financial Consultant
Al Teeter offers decades of industry expertise through Teeter Rotz Financial, contributing specialized knowledge in retirement income planning and investment portfolio management to the IWA partnership.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, estate planning, tax optimization, portfolio analysis, and insurance reviews tailored to individual client needs.
How do you create personalized retirement plans?
Our seven-step process assesses income needs, risk tolerance, and time horizons while incorporating diversification and tax-efficient withdrawal strategies for sustainable retirement income.
Why is estate planning important for average Canadians?
Proper estate planning ensures assets transfer efficiently to heirs, minimizes probate costs, and establishes legal directives for incapacity, protecting families from administrative burdens.
How do you approach investment tax planning?
We optimize tax-sheltered accounts, implement tax-loss harvesting, and coordinate investment decisions with overall financial goals to reduce lifetime tax liabilities.
What makes your insurance analysis unique?
We quantify protection gaps using cash flow modeling and recommend customized solutions balancing coverage adequacy with affordability for life, disability, and critical illness needs.
Do you work with clients outside St. Catharines?
While based in St. Catharines, we serve clients across Ontario through virtual consultations and digital document management systems for convenient access.
