Business Details
31 Years
experience
Your Trusted Financial Partner in Kingston, ON
Hartzman & Associates has been dedicated to helping individuals, families, and businesses achieve their financial goals since 1995. With over 30 years of combined experience in financial and insurance services, we specialize in creating personalized, comprehensive strategies tailored to each client's unique circumstances. Our team, led by Certified Financial Planner Debbie Hartzman and Associate Marnie Hunt, prioritizes objective advice through a holistic approach that integrates tax planning, retirement strategies, estate planning, and risk management.As an independent firm not affiliated with banks or insurance companies, we maintain strict objectivity in recommending solutions that align with our clients' long-term objectives. Our commitment to excellence is demonstrated through industry certifications including CFP, CLU, TEP, and Elder Planning Council Designation. We serve clients in the Kingston area with a focus on building secure financial futures through customized planning and ongoing support.
Services
Financial Planning
Tax Planning
Retirement Planning
Estate Planning
Insurance Analysis
Portfolio Management
Risk Management
Education Savings
Disability Planning
Comprehensive Financial Reviews
Details
- Year established: 1995
Highlights and features
- 30+ years of combined experience in financial planning
- Personalized, holistic approach to financial strategies
- Certified experts in tax, retirement, and estate planning
- Independent advisory firm with no bank affiliations
- Community involvement through local financial education programs
Associations and certifications
- Certified Financial Planner (CFP)
- Chartered Life Underwriter (CLU)
- Trust and Estate Practitioner (TEP)
- Elder Planning Council (EPC)
Services
Financial Planning
Comprehensive financial planning tailored to individual life stages and goals. Our approach integrates investment strategies, risk assessment, and long-term wealth preservation techniques. We help clients navigate complex financial decisions with personalized solutions that adapt to changing life circumstances.
Tax Planning
Strategic tax planning services designed to minimize liabilities while maximizing savings opportunities. We analyze current financial situations to implement legal tax reduction strategies, including retirement account optimization and estate tax planning for high-net-worth clients.
Retirement Planning
Custom retirement planning focusing on sustainable income streams and asset preservation. Our services include pension analysis, withdrawal strategies, and risk management solutions to ensure financial security throughout retirement years.
Estate Planning
Holistic estate planning services that coordinate with legal professionals to create efficient wealth transfer strategies. We specialize in minimizing probate fees, establishing trusts, and creating comprehensive succession plans for business owners and families.
Insurance Analysis
Objective insurance evaluation services to ensure adequate protection against financial risks. We review existing policies and recommend customized solutions for life insurance, disability coverage, and long-term care planning based on individual needs.
People
Debbie Hartzman
Certified Financial Planner
With 30+ years in financial services, Debbie holds multiple certifications including CFP, CLU, and TEP. She developed the 'Wise Women & Wealth' program and serves on the Estate Planning Council of Eastern Ontario.
Marnie Hunt
Associate / Manager
Licensed administrative associate since 2005 with 20+ years in financial services. Provides client support and coordinates team operations while maintaining strong community involvement through local organizations.
Questions
What financial planning services do you offer?
We provide comprehensive services including retirement planning, tax optimization, estate planning, insurance analysis, and investment strategy tailored to individual life stages.
How do you work with clients during retirement transition?
Our 'Plan2Thrive' program guides clients through retirement transition with personalized strategies for income generation, risk management, and sustainable withdrawal plans.
What makes your estate planning different?
We collaborate with legal professionals to create integrated estate plans that minimize taxes, establish trusts, and ensure smooth business succession while protecting family assets.
Do you work with young professionals?
Yes, we help clients at all life stages, including young professionals seeking to build wealth through strategic investment and debt management planning.
How are you compensated for services?
We use transparent fee structures with no hidden charges. Compensation details are clearly explained during initial consultations to ensure complete financial transparency.
