Business Details
Your Trusted Financial Partner in Guelph
Headwaters Financial is a dedicated team of financial professionals committed to helping clients navigate the complexities of investment planning, retirement income strategies, and wealth management. With decades of combined experience, our advisors specialize in creating personalized financial roadmaps that integrate workplace savings, personal plans, and government benefits. Our team holds prestigious designations such as Certified Financial Planner (CFP) and Chartered Investment Manager (CIM), ensuring clients receive expert guidance tailored to their unique circumstances. We prioritize building long-term relationships based on trust, transparency, and a deep understanding of individual financial goals. Our services span investment management, tax efficiency strategies, estate planning, and risk management, with collaboration from legal and accounting professionals when necessary.We serve individuals, families, and businesses across Ontario, emphasizing education and clarity in every client interaction. Our advisors bring both technical expertise and real-world experience from diverse backgrounds, including global corporations and local communities. We maintain rigorous professional standards while fostering a client-centric culture that values prompt service and clear communication. Our commitment to continuous learning ensures clients benefit from up-to-date financial strategies and market insights. Headwaters Financial operates through two primary locations in Guelph and Kitchener, serving clients throughout Southern Ontario.
Services
Investment Management
Retirement Planning
Estate Planning
Tax Efficiency Strategies
Risk Management
Portfolio Design
Wealth Preservation
Business Succession Planning
Education Funding
Insurance Solutions
Highlights and features
- We offer personalized retirement income plans integrating all financial resources
- Our team holds CFP and CIM designations with 18+ years of industry experience
- We implement tailored investment strategies based on individual risk tolerance
- We provide comprehensive tax efficiency analysis for personal and business assets
- Our advisors maintain ongoing education in evolving financial regulations and tools
Services
Investment Management
Our investment management service creates customized portfolios aligned with your financial goals and risk tolerance. We analyze market trends and economic factors to optimize asset allocation while maintaining tax efficiency. Our ongoing monitoring ensures your investments stay aligned with evolving personal circumstances and market conditions.
Retirement Planning
We develop comprehensive retirement strategies that integrate workplace pensions, personal savings, and government benefits. Our projections analyze cash flow needs and tax implications to ensure sustainable income throughout retirement. We specialize in transition planning for pre-retirees and retirees.
Estate Planning
Our estate planning service coordinates with legal professionals to create efficient wealth transfer strategies. We help establish trusts, charitable foundations, and intergenerational gifting plans while addressing probate minimization and tax implications for your beneficiaries.
Tax Efficiency Strategies
We analyze your complete financial picture to identify tax optimization opportunities across investment accounts, business structures, and estate planning. Our strategies focus on legal tax minimization while maintaining compliance with CRA regulations and requirements.
Risk Management
Our risk management service evaluates protection needs for income, assets, and family security. We help implement life insurance, disability coverage, and critical illness policies that align with your financial objectives and personal circumstances.
People
Dave Kudsia
Investment Advisor
Certified Financial Planner with 18 years of experience serving high-net-worth clients. Specializes in retirement income strategies and portfolio design. Holds CFP and CIM designations. Former pharmaceutical industry professional with McMaster University commerce degree.
Stephen Derzaj
Financial Advisor
Chartered Investment Manager with expertise in portfolio strategies. Focuses on helping families achieve financial security through personalized planning. Combines analytical skills with client-centered approach. Active in community sports and outdoor activities.
Tom Carroll
Associate Advisor
University of Guelph commerce graduate with CFP and CIM credentials. Specializes in creating customized investment journeys for clients. Active community member with focus on sports and local initiatives.
Paul Plishka
Senior Financial Advisor
Develops tailored financial solutions with emphasis on long-term relationships. Combines technical expertise with personal understanding of client needs. Active in outdoor activities and community financial education initiatives.
Luciana Yamada
Assistant Investment Representative
Brazilian-born financial professional with retail banking background. Completed MBA and licensing requirements to support client financial plans. Focuses on relationship-building and client education in investment strategies.
Questions
What services does Headwaters Financial offer?
We provide investment management, retirement planning, estate planning, tax efficiency strategies, and risk management solutions tailored to individual client needs.
How do I schedule a consultation?
Contact our Guelph office at 519-822-2322 to arrange an initial consultation with one of our certified financial advisors.
What qualifications do your advisors hold?
Our team includes Certified Financial Planners (CFP) and Chartered Investment Managers (CIM) with decades of combined industry experience.
Do you work with out-of-town clients?
Yes, we serve clients throughout Southern Ontario and can conduct virtual meetings for those outside the Guelph-Kitchener area.
How are investment decisions made?
We create personalized investment strategies based on your goals, risk tolerance, and financial circumstances with ongoing portfolio monitoring.
What sets Headwaters Financial apart?
Our personalized approach combines technical expertise with long-term relationship building to deliver tailored financial solutions.
