Harmer Wealth Management
9015 Mosport Rd, Orono, ON L0B 1M0, Canada
9015 Mosport Rd, Orono, ON L0B 1M0, Canada
Harmer Wealth Management has grown into one of Ontario's leading Wealth Management Firms. Since our establishment, we’ve had the amazing opportunity to invest and partner with hundreds of personal and business clients and have achieved great success with measurable gains.
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Investment Management
Careful portfolio analysis is necessary to ensure that you have the correct asset allocation according to your objectives and risk tolerance.
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Long term investment returns are always directly determined by the types of assets held in an investor’s portfolio. An ideal portfolio mix can only be determined by first assessing a variety of critical factors such as: risk tolerance, personal income level, age range and investing time horizon. Depending on these various factors, a portfolio mix (equities vs fixed income vs cash) can be determined to provide the highest possible probability of achieving a desired long-term rate of return while at the same time minimizing short-term financial risks.
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Portfolio Analysis is the process by which an existing portfolio asset allocation is reviewed to determine whether the current allocation achieves the investor’s short and long term financial goals without taking unnecessary capital risks. To achieve an optimal portfolio asset allocation, the individual investor must balance their portfolio goals with their risk tolerance. Owning growth-oriented assets is essential to help offset the long-term risk of inflation, but the rewards of growth also involve the short-term risks of enduring market volatility and uncertainty.
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The analysis of an individual portfolio is best conducted by a professional who has the required knowledge and expertise to properly evaluate all the different variables that affect the long-term performance of different asset classes. Proper portfolio analysis is important to long-term financial success because each asset class within a portfolio comes with a different type of short and long term risk.
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By measuring an investor’s short and long term investment goals against various investment possibilities and return probabilities, a professional advisor can assist an investor in determining the portfolio mix best suited to their unique situation.
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Contact us if you have questions about your current investments or your retirement plan.
Mortgage Financing
INDEPENDENT ADVICE.
Because we provide mortgages from various lenders, you're not tied to one lender or one type of mortgage.
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MORE MORTGAGE CHOICES.
Through our Mortgage Market technology, we have electronic access to major lenders in Canada, so we're able to show you a wide range of rates and features available to you.
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WE WORK HARD TO GET YOU A COMPETITIVE RATE BY LEVERAGING OUR WIDE LENDING NETWORK.
Fast, convenient, local service. We are here to keep your mortgage moving forward. What's more, you're working with a local business person with ties to the communities where they do business.
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SPECIALIZED KNOWLEDGE.
Through training and certification, we have a good understanding of available products, features, and rates. We're also great at explaining the sometimes complex industry specific language in everyday terms, so you know exactly what you're getting into.
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REPUTABLE LENDERS.
We deal with reputable and established Canadian financial institutions. Plus, we have access to mortgage specialist-only lenders who offer competitive rates and features that you may not find at your local financial institution.
Financial Planning
FINANCIAL PLANNING
Many people will offer you advice on which investments to buy. But there's more to your financial life than your RRSP. Estate taxes, income taxes and education funds for your children are just some of the other complex aspects of your total financial picture.
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YOU NEED A CERTIFIED FINANCIAL PLANNER TO HELP YOU DEVELOP AN EFFECTIVE FINANCIAL PLAN
Personal financial planning focuses on you as an individual – bringing together all the financial and psychological factors that have an impact on your life.
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A well-designed financial plan will help you reach your personal financial goals and objectives, and give you a greater sense of security.
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Many people call themselves financial planners, but the true professional financial planning practitioner uses the Total Financial Planning Process, which is made up of six distinct steps.
Helps you clarify your present situation by collecting and assessing all relevant financial data – assets and liabilities, tax returns, records of securities transactions, insurance policies, wills and pension plans.
Helps you to identify financial and personal goals and objectives, and also to clarify your financial and personal values and attitudes.
Helps you to identify financial problems that can create barriers to your financial independence.
Provides you with written recommendations and alternative solutions. These should be structured to meet your needs without undue emphasis on purchasing specific products.
Assists you to implement the right strategy to ensure that you reach your goals and objectives.
Provides a review and revision of your plan to ensure that you achieve your goals.
HOW DO YOU KNOW IF YOU NEED A FINANCIAL PLANNER?
People hire financial planners for many reasons. These questions may help you decide if you need professional financial advice.
Do you have the time to attend to your personal financial affairs?
Are you confused about conflicting financial advice from several sources?
Do you feel you are paying too much tax?
Are you confused about where to invest your money?
Do you feel that you can't save any money?
Has there been a recent change in your life that could affect your financial future, such as retirement, job loss, an inheritance, an addition to your family, or loss of your spouse?
Contact our office if you are looking for information about your long-term financial strategy.
Life & Disability Insurance
Insurance is a key part of the financial planning process and can be significant to the success of your financial plan. We will help you to understand the different types of insurance, what coverage(s) you may require, and how having insurance can provide you peace of mind during difficult times.
