Financial Planning

Ingenious Financial Planning Services

financial planner ontarioWhat is a Financial Planning? Financial planning is an all-inclusive evaluation of an individual’s present income and future financial state by factoring what is known to foresee future income, asset values and withdrawal plans.

Whether you are employed, or running a business, It is a wise step to manage the income and secure future for yourself and family. Make judicious decisions of your life with a certified financial planner in Ontario by your side.

Read More

If you are unsure as to how to make investment for financial security and success, then we are just a call away to extend our services.

Leave us a message to hear back from our executives within 24 hours. Else Call – Toll Free: +1 (844) 804-0004

Based on your income, assets, property value and other liabilities, our financial planner will suggest some of the popular investment options:

Show Less


Commonly an intimidating conversation to have with loved ones, life insurance plays a vital role in bringing you and your family peace of mind for your everyday living. Life insurance is financial protection for your family when you are no longer able to protect them.

It’s normal to feel overwhelmed with questions. You may be asking yourself: do I need life insurance? How much coverage do I need? How can I budget life insurance into my expenses?

Whatever questions or worries you may have, you can feel safe knowing that your financial planner in Ontario will do our best to help you and your family with your personal goals. We cover a wide portfolio to meet the needs of individuals including:

  • Term
  • Whole life
  • Universal
  • Critical illness
  • Disability

Life insurance is stability and assurance when life is so unpredictable.



Sometimes, life throws us curve ball and puts us in a position where we are not able to bounce back at our finances. At Hummingbird Financial, we are the experts at managing your financial debt.

Managing comes easy when you have a dedicated team of financial planners to guide you through the process.


Got debt? Get your finances back on track by consolidating your debt. By combining multiple payments into one simplified payment, you will greatly lessen the stress of having to deal with the financial chaos.


Exercise the power of budgeting and take your finances to the next level. By developing a clear understanding of where your money is coming and going, you can build the knowledge and ability to increase what’s in your pocket simply by balancing your expenses with your income.

We will show you how to better keep track of your spending, so you are better equipped for any expected and unexpected costs.Get in touch with our financial planner in Ontario to escape all the hurdles.


Estate planning is the legal process of structuring an individual’s estate (current and future assets) during and after life. The goal is to create control the disposition of assets after an individual’s death, minimize taxes imposed by the federal government.

By consulting with a professional financial planner in Ontario, you can find the best strategy to execute the transfer of wealth to maximize the outcome received by loved ones.


It’s difficult to predict where your children will be when they become adults. Especially when they are just learning to say their first words or take their first steps!

We help to secure a bright future for your children through a fund called a Registered Educational Savings Plan (RESP) and develop a financial strategy that works for you and your family.

We will teach you how to combat the rising costs of education by taking advantage of the government benefits to boost your child’s benefit. By thinking ahead, your children will stay ahead


Retirement Planning
Prepare for retirement with a Registered Retirement Savings Plan (RRSP)! By having an RRSP, your total income will be reduced, and any income earned with the account is tax free. Income may include interest, dividends, capital gains, foreign exchange gains, and mortality credits). The tax payable will be reduced in which the contributions were claimed.

This means more money for you as you sit on the beach, patio, or park and enjoy your life after retirement.

Registered Funds
We provide registered funds such as Tax-Free Savings Account (TFSA), Registered Locked-In Retirement Account (LIRA) and more. Whether you’re just looking to boost or secure your finances, we can customize a plan that suits your goals.

What is a TFSA?:  Tax-Free Savings Account is an account that allows Canadians who are 18 years or older to save or invest money. The account is designed to give freedom to account holders to withdraw money at any time with the benefit of being free from tax.

What is a LIRA?  Locked-In Retirement Account is a type of Registered Savings Plan with one designated task: holding locked-in money from a pension plan until they are ready to receive the funds. You may think of it as a separate piggy bank from your pension plan. The LIRA is untouched and accumulates funds for your retirement. You may begin withdrawing your savings after the age of 55.

Leveraged Loans
A leveraged loan is useful when individuals or companies have accumulated considerable amounts of debt. It is typically used to finance mergers and acquisitions (M&A) where transactions are conducted to transfer or consolidate ownerships with other entities. Due to the nature of this loan and the large debt involved it can be higher in costs with interest rates, however it can be a good tactic for enterprises who seek to grow or downsize their business, recapitalize the balance sheet, or refinance their debt. It may also be used for other corporate strategies.

If you would like more information, please speak with us and we’ll help you decide if it’s right for you.

Segregated Funds
Also known as a Seg Fund, it is a type of investment fund that works with individual, variable life insurance contracts to offer specific guarantees to the policyholder such as capital reimbursement upon death. A segregated fund can be advantageous to an individual as the fund has characteristics of both mutual fund and life insurance policy – potential financial growth and fund security.

Other features unique to a segregated fund are potential creditor protection, reset option, and cost of the guarantees. Learn more about the advantages of Segregated Funds and come in for a chat.

Are you ready to take your business to the next level?