Stonewater Financial Group Inc.

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Toronto, ON
Stonewater Financial Group Inc.

At Stonewater Financial Group, our team brings clarity, confidence, and personalized planning to every client.

With trusted expertise and a collaborative approach, we simplify wealth, insurance and financial planning decisions for lasting peace of mind.

06/03/2026

This is the number one reason people try to manage their investments themselves.

But here's the reality: Under 2% in fees to have someone who actually KNOWS you, understands your risk tolerance, and keeps you on track for retirement?

Would you rather save on fees or save your retirement? 👇

05/27/2026

⏰ Your biggest retirement fear: Running out of money at 95 Everyone plans for the fun part - travel at 65, adventures in your 70s...

But what about your 90s? Healthcare costs, downsizing, living longer than expected? 😟

The uncomfortable truth: You might need money for 30+ years after you stop working. Planning different scenarios isn't pessimistic - it's smart. Your 95-year-old self will thank you.

05/20/2026

If you have $600,000 in tax liabilities from RRSPs and a property, your family needs to cover that when you pass. That's where life insurance comes in.

A $600,000 policy ensures:
✅ Your assets (RRSPs, cottage, investments) stay in the family
✅ Tax-free proceeds pay the CRA what's owed
✅ Your family keeps the cottage without financial burden

Life insurance bypasses probate and goes straight to beneficiaries tax-free. It's one of the smartest estate planning tools.

Plan early. Protect what you've built.

💬 Have you considered insurance for estate taxes?

05/13/2026

RRSP withdrawals, non-registered accounts, CPP, OAS... each "bucket" gets taxed differently. Pull from the wrong one at the wrong time and you're leaving thousands on the table.

This is why choosing the right financial advisor before you retire matters so much. You need someone who understands the tax optimization game and can earn your trust over time.

Because when you're 70 and need to withdraw money to live, you want to feel confident they're making the smartest moves with your life savings.

How are you vetting potential financial advisors? 👇

05/06/2026

"I deserve this" is the most expensive sentence in personal finance.

Fresh out of school, zero patients, zero income - but convinced a Mercedes lease made sense because "I worked hard for this." Hard work doesn't pay car payments. Cash flow does.

Is your financial plan on track? Contact us for a review!

05/04/2026

Behind every plan is a team committed to making our clients feel supported, informed, and well looked after. At Stonewater, we are proud to work together each day to provide thoughtful guidance, trusted advice, and a client experience that feels personal from start to finish.

04/29/2026

📚 Imagine if schools taught THIS in math class...

Most teenagers stress about test scores, but the real grade that matters? How early they start building wealth.

The difference between starting at 18 vs 28 isn't just 10 years - it's potentially hundreds of thousands of dollars 💰

Your biggest advantage isn't having more money to invest. It's having more YEARS to let it grow.

What money lesson do you wish you learned in high school? 👇

04/22/2026

Too many families expect an inheritance and get a massive tax bill instead.

The awkward conversation about your parents' finances? It needs to happen NOW while they're still with us.

Why it matters:
✅ Uncover missing tax planning that could cost hundreds of thousands
✅ Avoid sibling conflicts after they're gone
✅ Keep wealth in the family, not with the CRA

If you're the executor or power of attorney, you need to know the full picture early. And if you're the parent, bring your kids into the conversation.

💬 Have you had this talk with your family?

04/15/2026

Participating whole life insurance isn't just coverage. It's a tax-efficient investment vehicle that grows wealth and passes it down to future generations.

The benefits:
✅ The younger you start, cheaper it is
✅ Stop payments after ~15 years (premium offset)
✅ Your nest egg continues growing tax-free
✅ No contributions needed in retirement

Business owners love this because it's about building wealth efficiently, not just covering a need.

💬 Are you using whole life insurance strategically?

04/09/2026

Giving back where it all started 🎓 Dave is back at his high school today, talking to students about the importance of starting their financial journey early. Building good habits now can shape a lifetime of opportunity and it’s always worth sharing that message. A proud moment for our team and a reminder that sometimes the most meaningful impact starts right in your own community. 💙

Address

One York Street, 27th Floor
Toronto, ON
M5J0B6

Website

http://stonewaterfinancial.ca/

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