Business Details
18 Years
experience
Your Trusted Financial Planning Partner in Waterloo
KLS Financial has been delivering trusted financial advisory services for over a decade, specializing in personalized financial planning, investment management, and insurance solutions. Our team of seasoned professionals, including Certified Financial Planners and Chartered Investment Managers, serves clients across Kitchener, Waterloo, Cambridge, Guelph, Toronto, and Southern Ontario. We prioritize a client-first philosophy, combining decades of collective experience with a commitment to innovation and ethical practices.Our structured process ensures clients receive tailored strategies aligned with their unique goals, from retirement planning to tax optimization. Backed by Manulife Wealth Inc., we offer access to comprehensive financial products and rigorous compliance standards. With a focus on transparency, ongoing education, and annual plan reviews, we empower clients to achieve long-term financial security while maintaining a personal, approachable approach.
Services
Financial Planning
Investment Management
Insurance Solutions
Retirement Planning
Tax Planning
Estate Planning
Risk Management
Business Financial Planning
Group Benefits
Portfolio Management
Details
- Year established: 2008
Highlights and features
- We have over 10 years of experience in financial advisory services.
- Our team consists of certified experts with extensive industry credentials.
- We provide personalized financial plans tailored to your unique needs.
- We offer comprehensive services spanning planning, investments, and insurance.
- We conduct annual reviews to ensure your plan stays on track.
Associations and certifications
- Certified Financial Planner (CFP)
What people say
Exceptional advisor
Trustworthy and honest
Provides peace of mind
Grounded and professional
Comprehensive planning
Services
Financial Planning
Our financial planning service creates customized strategies to meet your long-term goals, including retirement, education, and estate planning. We analyze your current financial status, risk tolerance, and objectives to build a flexible, tax-efficient roadmap. With annual reviews and adjustments, we ensure your plan evolves with life changes and market conditions.
Investment Management
We design diversified investment portfolios aligned with your risk profile and financial goals. Using products like mutual funds, ETFs, and segregated funds, we balance growth and stability. Our ongoing monitoring ensures optimal performance while adapting to economic shifts and personal milestones like retirement.
Insurance Solutions
Our insurance services safeguard your family and assets through life, disability, critical illness, and travel coverage. We assess your needs to recommend policies that provide financial security against unforeseen events. This includes strategies for business continuity, such as buy-sell agreements funded by life insurance.
Retirement Planning
We develop retirement plans that ensure sustainable income throughout your golden years. By evaluating savings, pensions, and tax implications, we create withdrawal strategies to maximize resources. Services include RRSP, TFSA, and pension plan optimization to support your desired lifestyle post-retirement.
Tax Planning
Our tax planning identifies legal strategies to minimize liabilities across income, capital gains, and estate taxes. We integrate tax-efficient investments, charitable giving, and business structuring to enhance wealth preservation. This includes adapting to regulatory changes like the increased capital gains inclusion rate.
People
Rajeev Kudsia
Senior Financial Advisor
With over 25 years of experience, Rajeev Kudsia is a CFP and CIM-certified advisor known for his client-focused approach. He specializes in retirement and estate planning, leveraging his expertise to build trust and long-term relationships.
Cam Leith
Senior Financial Advisor
Cam Leith, a CFP and CEA-certified professional, brings 40 years of industry experience. His strengths include comprehensive financial planning and client education, ensuring clarity and confidence in achieving financial goals.
Samuel White
Financial Advisor
Samuel White, a CIM holder, focuses on investment strategies and risk management. Since joining in 2020, he has combined analytical rigor with a client-first ethos to deliver tailored financial solutions.
Matthew Gomes
Financial Planner
Matthew Gomes, a CFP and CIM-certified planner, specializes in tax-efficient strategies and retirement income planning. His client-centric approach emphasizes education and long-term financial security.
Christine Parton
Office Manager
Christine Parton oversees daily operations and client support, ensuring seamless service delivery. With a background in accounting and retail management, she brings organizational excellence and a welcoming presence to the team.
Questions
What services do you offer?
We provide financial planning, investment management, insurance, retirement planning, tax optimization, and business succession strategies.
How do you develop a financial plan?
We follow a four-step process: understanding goals, creating personalized plans, implementing strategies, and conducting annual reviews for adjustments.
Are your advisors certified?
Yes, our team includes Certified Financial Planners (CFP) and Chartered Investment Managers (CIM) with rigorous industry credentials.
What areas do you serve?
We serve Kitchener, Waterloo, Cambridge, Guelph, Toronto, and surrounding areas in Southern Ontario.
