Harmer Wealth Management I Financial Planning I Insurance I Mortgages

Harmer Wealth Management I Financial Planning I Insurance I Mortgages Personalized Wealth Management & Financial Planning solutions for individuals, families & businesses.

A fund that pays a 6% distribution is not automatically earning you 6%. Part of that cash flow can simply be your own ca...
09/03/2026

A fund that pays a 6% distribution is not automatically earning you 6%. Part of that cash flow can simply be your own capital handed back to you — which is fine, if you know it, and a problem if you don't.

Retirement income isn't something you withdraw and hope. It's something you design: which account pays first, what the tax cost is, what keeps growing while you spend, and what happens in a bad year. That's the work.

Income you understand is income you can retire on.

Request a Retirement Income Review — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs and Mutual funds offered through Investia Financial Services Inc.

"Chad and his team made the transition from working to retirement so easy."The transition is the part nobody prepares yo...
09/02/2026

"Chad and his team made the transition from working to retirement so easy."

The transition is the part nobody prepares you for. For thirty years the paycheque just arrives — then one Monday it doesn't, and every decision that used to be automatic becomes a question. Karyn's plan answered those questions before the first Monday came.

Retirement should be a transition, not a cliff.

Planning the transition yourself? Book a conversation — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs and Mutual funds offered through Investia Financial Services Inc.

08/31/2026

Fixed or variable isn't a coin flip — the difference can be tens of thousands of dollars over a term.

Fixed rates buy certainty. Your payment never moves, which makes budgeting easy. The trade-off is flexibility: if rates drop, you keep paying the higher rate, and breaking a fixed mortgage early can trigger a steep penalty.

Variable rates move with the market, in both directions. But the penalty to break one is typically just three months' interest. And here's the part most people don't know: you can lock a variable into a fixed rate at any point during your term, as long as the new term is equal to or greater than the time you have left. You're never trapped.

In today's market, variable deserves a closer look than most people give it — but the right answer depends on your cash flow, your timeline, and your tolerance for movement.

The best rate type is the one you chose on purpose.

Visit HarmerWealth.com to book a mortgage strategy call.

Harmer Wealth Management | HarmerWealth.com

Most people have never had a second set of eyes on their finances. Not because they don't want one — because they were n...
08/30/2026

Most people have never had a second set of eyes on their finances. Not because they don't want one — because they were never offered one.

A second opinion isn't a judgment on what you've done. It's a structured look at what you own, what you owe, what you're paying, and whether it all still points at the life you actually want. Sometimes the answer is "you're in good shape." That's a good meeting too.

Clarity costs nothing. Confusion compounds.

Book a Complete Financial Second Opinion — the link is in our bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs, Liquid Alternatives, EMP, andMutual funds offered through Investia Financial Services Inc.

Every financial plan we build rests on one quiet assumption: the income keeps arriving.The RRSP contributions, the mortg...
08/28/2026

Every financial plan we build rests on one quiet assumption: the income keeps arriving.

The RRSP contributions, the mortgage payments, the kids' education fund — all of it is really one paycheque, showing up on time, for decades. Which is why the least glamorous page of a financial plan is often the most important one: what happens if that paycheque stops.

Here's the part most people get backwards. Your largest asset isn't your house — it's your ability to earn for the next twenty or thirty years. We insure the car and the cottage without blinking, then leave the income that pays for both of them uncovered. Disability coverage protects the paycheque while you're living; life insurance protects the people who depend on it after.

You don't insure the plan. You insure the person carrying it.

Visit HarmerWealth.com to book a coverage review.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · Mutual funds offered through Investia Financial Services Inc.

The most common question at our kitchen-table meetings, and the honest answer is: it depends on numbers most people have...
08/26/2026

The most common question at our kitchen-table meetings, and the honest answer is: it depends on numbers most people have never been shown.

Paying down the mortgage is a guaranteed after-tax return at your rate — the only guarantee in this whole conversation. Investing carries a higher expected return, but it arrives with volatility, and it's only worth it if your timeline is long enough to ride it out.

The tiebreakers are personal: your renewal rate, your tax bracket, your emergency fund, your years to retirement. Which is why two neighbours with the same mortgage can get two different answers — and both be right.

The right answer is rarely all of one. It's the split you can live with.

Visit HarmerWealth.com to book a consultation.

Chad Harmer, Financial Planner
Harmer Wealth Management Corp.

MEET THE TEAM MONDAYMeet Chad Harmer — Founder of Harmer Wealth Management.Chad has spent nearly two decades helping fam...
08/24/2026

MEET THE TEAM MONDAY

Meet Chad Harmer — Founder of Harmer Wealth Management.

Chad has spent nearly two decades helping families, professionals, and business owners answer the questions that matter: Am I on track? How much is enough? What happens next?

His background is built for it. Harvard educated, with an MBA and formal training in psychology — because financial decisions are rarely just about the numbers. He holds the CIM and PFP designations and is a Fellow of the Canadian Securities Institute, one of the highest honours in Canadian financial services. His insights have been featured in Forbes, Fortune, Entrepreneur, Benzinga, and Realtor.

Here is what makes the practice different:

Most advice happens in one lane. Chad built the firm so it doesn't have to. Financial planning and investments through Harmer Wealth Management. Mortgages through his Level 2 Mortgage Agent licence. Life and disability insurance. And a real estate team, The Harmer Group, when property is part of the plan.

One table. Every moving part. Decisions made in the right order.

That is what a Complete Financial Second Opinion looks like — and it starts with one conversation. Book at the link in bio.

Chad Harmer
Harmer Wealth Management
1.800.723.2138
[email protected]

Founder | Financial Planner | Harmer Wealth Management Corp.
Mortgage Agent Level 2 | Lic. M190000975 | MortgageBroker.ca Ltd., Licence #12707
Investment Funds Advisor with Investia Financial Services Inc.
Real estate services provided through The Harmer Group.
Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc.

Your renewal letter is not the offer. It's the opening position.A wave of Canadian mortgages set in the low-rate years c...
08/24/2026

Your renewal letter is not the offer. It's the opening position.

A wave of Canadian mortgages set in the low-rate years comes up for renewal through 2026 and 2027. The letter that arrives is built for convenience — sign, return, done. Convenience is what it's priced for.

The rate gets the attention, but the structure does most of the work: the term you choose, the amortization you keep, fixed versus variable, and the prepayment room you leave yourself. Those decisions follow you for years. The rate is just the number on the door.

Renewal is a decision, not paperwork. Treat it like one.

Visit HarmerWealth.com to book a consultation.

Your parents bought a house on one income. You need two and a bonus. Here's what changed.It's not that you're doing anyt...
08/15/2026

Your parents bought a house on one income. You need two and a bonus. Here's what changed.

It's not that you're doing anything wrong — the math itself changed. Home prices ran ahead of incomes, borrowing rules tightened, and the "work hard, buy a house, retire comfortably" formula quietly stopped being automatic.

The good news: a plan built for today's math still gets you there. It just doesn't happen by default anymore.

If your household earns well but it never feels like enough, that's a strategy gap — not an effort gap.

Visit HarmerWealth.com to book a consultation.

Most people don't run out of money in retirement. They run out of confidence.They underspend for a decade, skip the trip...
08/14/2026

Most people don't run out of money in retirement. They run out of confidence.

They underspend for a decade, skip the trip, keep the old car — not because the money isn't there, but because nobody ever showed them it was safe to use.

That's the difference between a portfolio and a plan. A portfolio is a number. A plan tells you what you can spend, every year, in good markets and bad — and proves it.

Retirement should feel like permission, not anxiety.

Visit HarmerWealth.com to book a consultation.

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