Business Details
Your Trusted Financial Advisers in Ottawa
Valcore Planning Solutions is a full-service financial planning office dedicated to addressing today's complex financial challenges. Our team of professionals brings decades of experience in financial services, specializing in investment, insurance, and retirement planning. We prioritize a client-focused approach, ensuring personalized solutions that align with individual goals. Our process emphasizes comprehensive analysis and continuous monitoring to adapt to evolving needs. With expertise in tax and estate planning, we help clients secure their financial futures.Our Ottawa-based team collaborates with accountants and legal experts to provide holistic advice. We leverage the resources of Manulife Wealth Inc. and affiliated entities to deliver diverse investment and insurance options. Our commitment to education and transparency fosters long-term client relationships built on trust and integrity. We serve individuals, families, and businesses seeking strategic financial guidance. Our mission is to simplify financial decision-making while maximizing long-term security.
Services
Financial Planning
Investment Solutions
Insurance Solutions
Retirement Planning
Estate Planning
Business Solutions
Banking Services
Portfolio Management
Tax Planning
Succession Planning
Highlights and features
- We offer 20+ years of experience in comprehensive financial planning.
- Our team holds CFP and CIM designations for specialized expertise.
- We provide personalized solutions through collaborative client-advisor relationships.
- Our process includes continuous portfolio monitoring and strategy adjustments.
- We integrate tax, estate, and business succession planning expertise.
Services
Financial Planning
Our financial planning services create customized roadmaps for clients' financial goals. We analyze current assets, liabilities, and risk tolerance to develop comprehensive strategies. With expertise in tax optimization and estate preservation, we help clients achieve long-term security through evidence-based decision-making.
Investment Solutions
We offer diversified investment strategies tailored to individual risk profiles and financial objectives. Our team selects from equities, fixed income, and alternative assets to build optimized portfolios. Continuous monitoring ensures alignment with evolving market conditions and client needs.
Insurance Solutions
Our insurance planning protects clients' financial well-being through life, health, and disability coverage. We assess protection gaps and recommend customized policies that integrate with overall financial strategies. This includes critical illness coverage and business insurance solutions.
Retirement Planning
We develop retirement income plans considering CPP, OAS, and private savings. Our approach balances growth potential with income stability, addressing tax implications and withdrawal strategies. We help clients transition from accumulation to sustainable retirement income.
Estate Planning
Our estate planning integrates wills, trusts, and beneficiary designations to preserve wealth. We coordinate with legal professionals to implement tax-efficient transfer strategies, ensuring clients' wishes are fulfilled while minimizing probate costs.
People
Jerry Witteveen
Portfolio Manager
Certified Financial Planner with over 20 years' experience specializing in corporate tax and estate planning. Founder of Valcore Planning Solutions, holding CFP and CIM designations. Focuses on comprehensive wealth management for business owners.
Heather MacDonald
Portfolio Manager
Experienced financial advisor with CFP and CIM credentials. Specializes in creating personalized financial plans for individuals and families. Focuses on investment management and estate planning solutions across multiple generations.
Robert Higgerty
Senior Financial Advisor
Over 30 years' experience in financial services with CFP designation. Expertise in small business planning and complex family financial solutions. Committed to developing personalized strategies that evolve with clients' changing needs.
Sylvia Giannetti
Financial Advisor
Commerce graduate with over 10 years' experience in wealth management. Specializes in retirement planning, educational savings, and debt restructuring. Focuses on building long-term client relationships based on trust and transparency.
Wade Bedard
Portfolio Manager
Certified investment manager with expertise in pre-retirement planning. Helps clients transition into retirement with comprehensive income strategies. Combines tax optimization with lifestyle planning to create sustainable retirement solutions.
Questions
What financial services do you specialize in?
We specialize in comprehensive financial planning, investment management, insurance solutions, retirement planning, and estate planning tailored to individual client needs.
How do you work with clients?
We follow a six-step process: establishing relationships, gathering data, analyzing financial status, developing recommendations, implementing strategies, and ongoing monitoring with regular reviews.
What areas do you serve?
While based in Ottawa, we serve clients across Canada through personalized financial planning and remote advisory services.
How are investment decisions made?
Decisions are made collaboratively with clients, considering their risk tolerance, financial goals, and market conditions. We offer both active management and strategic asset allocation approaches.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners (CFP), Chartered Investment Managers (CIM), and other industry-recognized designations ensuring professional expertise.
