01
Personal & business planning
Integrate personal, family and business decisions into a coordinated financial plan.
Human-centred financial planning
Planning for generations
Experience the confidence of working with a Certified Financial Planner®. Our goal is to help you navigate life's realities, understand your options, and take the next appropriate step.
Individuals & familiesPre-retirees & retireesBusiness ownersMulti-generational families
A planning-led practice
Plans built to endure every season of life.
Winter Financial Services Inc. is a Canadian financial planning practice led by Chris and Lisa Winter. Our work begins with your life, your concerns, and what you want your money to make possible.
We bring calm structure to complicated decisions. That means listening carefully, explaining plainly, coordinating the details, and helping turn good intentions into practical action.
What we help with
Advice organized around your life.
02
Retirement income
Connect lifestyle, income, longevity, cash flow, and tax-aware decisions.
03
Investment strategy
Align investments with goals, time horizon, risk tolerance, and liquidity needs.
04
Insurance & risk
Consider protection, continuity, dignity, and the people who depend on you.
05
Estate considerations
Support thoughtful preparation, family conversations, and professional coordination.
06
Mortgage planning & referrals
Frame mortgage decisions around cash flow, flexibility, timelines, and broader priorities.
07
Group benefits
Help business owners consider benefit programs that support employees and continuity.
08
Individual benefits
Review personal benefit needs, current coverage, and planning priorities.
Availability, licensing, suitability, referral arrangements, and provider relationships may vary. Details should be confirmed before implementation.
Our process
Listen. Understand. Plan. Act. Review.
1
Discover what matters
Goals, concerns, timeline, lifestyle, family context, and the decision in front of you.
Goals, concerns, timeline, lifestyle, family context, and the decision in front of you.
2
Build the full picture
Review relevant financial facts, arrangements, risks, constraints, and opportunities.
Review relevant financial facts, arrangements, risks, constraints, and opportunities.
3
Explain the options
Make choices, trade-offs, assumptions, and unknowns easier to understand.
Make choices, trade-offs, assumptions, and unknowns easier to understand.
4
Support implementation
Coordinate practical steps and qualified professionals needed to move forward.
Coordinate practical steps and qualified professionals needed to move forward.
5
Stewardship
Review as life, markets, priorities, and circumstances change.
Review as life, markets, priorities, and circumstances change.
Contact
Let’s begin with a conversation.
Tell us what is on your mind. This form prepares an email in your own email application. Please do not include account numbers, health information, passwords, or other sensitive personal information.
Phone
613-449-4944
Email
[email protected]
