Business Details
5 Years
experience
Your Trusted Partner for Financial Planning Solutions
Tru Financial Group operates as an independent financial advisory firm dedicated to helping families, retirees, and business owners navigate complex financial decisions. With a focus on personalized solutions, we leverage decades of combined experience to address retirement planning, estate management, insurance strategies, and cross-border pension transfers. Our team prioritizes client needs by offering access to diverse financial products and tailored advice designed to align with individual goals.We emphasize ongoing education and compliance with industry standards to ensure our recommendations remain current with evolving tax laws and financial regulations. Our advisors hold prestigious designations such as Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Health Care Practitioner (CH.F.C.), underscoring our commitment to professional excellence. We serve clients across Ontario, British Columbia, and Nova Scotia while maintaining a strong focus on ethical practices and long-term client relationships.
Services
Retirement Planning
Insurance Planning
Estate Planning
Financial Advice
Foreign Pension Transfers
Details
- Year established: 2021
Highlights and features
- We offer 30+ years of combined experience in financial services
- Our advisors hold prestigious industry designations including CFP, CLU, and CH.F.C.
- We provide personalized solutions tailored to Canadian tax and financial regulations
- We specialize in cross-border pension transfers for UK expats
- We maintain independence to select optimal financial products for client needs
Associations and certifications
- CFP
- CLU
- CH.F.C.
Services
Retirement Planning
We help individuals and business owners create comprehensive retirement plans that address income needs, tax optimization, and asset management. Our approach considers government benefits, debt management, and insurance requirements while accounting for inflation and longevity. We provide guidance on RRSPs, TFSAs, and corporate pension options to ensure sustainable income throughout retirement.
Insurance Planning
Our insurance solutions protect clients against financial risks through life, disability, and critical illness coverage. We help business owners implement corporate insurance strategies for key person protection, buy-sell agreements, and employee benefits. We specialize in creating policies that balance protection needs with tax-efficient investment opportunities for both personal and corporate clients.
Estate Planning
We assist clients in organizing their assets and liabilities to ensure smooth wealth transfer while minimizing tax implications. Our services include will preparation guidance, beneficiary designation review, and trust establishment for minor children or dependents. We help families create contingency plans for unexpected events while ensuring compliance with Canadian estate regulations.
Foreign Pension Transfers
We specialize in transferring UK pensions to Canadian-approved QROPS for expatriates. Our process includes eligibility assessment, tax strategy optimization, and coordination with HMRC-approved institutions. We help clients consolidate retirement savings in Canadian dollars while maintaining compliance with 10-year withdrawal rules and currency management requirements.
Business Owner Solutions
We provide tailored financial strategies for business owners including succession planning, corporate-owned life insurance, and tax-efficient retirement structures. Our services address buy-sell agreements, key person insurance, and corporate investment strategies to ensure business continuity while optimizing personal financial security for owners.
People
Tyler Trute
Financial Advisor
With over 30 years in financial services, Tyler specializes in retirement and tax planning for business owners. He holds CFP, CLU, and CH.F.C. designations requiring annual continuing education. His corporate experience informs practical solutions for self-employed clients.
Zachary Trute
Insurance and Investment Broker
Zachary focuses on creative financial solutions using underutilized strategies. He prioritizes client priorities through active listening and emphasizes lifelong learning applied to financial security. He joined the industry in 2018 after completing relevant licensing requirements.
Samantha Davy
Insurance and Investment Broker
Samantha provides personalized financial planning with emphasis on family needs. She combines budgeting expertise with investment strategies to create tailored solutions. Her approach focuses on long-term financial security for parents navigating family-related financial challenges.
Questions
What is QROPS and how does it benefit UK expats in Canada?
QROPS (Qualifying Recognized Overseas Pension Scheme) allows UK expats to transfer pensions to Canada, offering currency control, investment flexibility, and simplified estate planning while avoiding UK tax charges.
How can business owners protect their companies through insurance?
We implement key person insurance, buy-sell agreements, and disability coverage to protect businesses from financial impacts of unexpected events while ensuring continuity during ownership transitions.
What retirement planning services do you offer for employees?
We help employees assess income needs, optimize government benefits, manage debts, and create diversified investment portfolios while addressing healthcare and long-term care requirements in retirement planning.
Do seniors still need life insurance?
Seniors may benefit from life insurance to cover debts, support dependents, or create a financial legacy. We evaluate individual circumstances to determine appropriate coverage requirements.
How do you approach estate planning for young families?
We guide families through will preparation, guardian/trustee designation, asset/liability inventory, and insurance coverage to ensure children's care and financial security in unexpected circumstances.
