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.

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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.

Personal & business planning

Integrate personal, family and business decisions into a coordinated financial plan.

Estate considerations

Support thoughtful preparation, family conversations, and professional coordination.

Retirement income

Connect lifestyle, income, longevity, cash flow, and tax-aware decisions.

Mortgage Planning & Referrals

Frame mortgage decisions around cash flow, flexibility, timelines, and broader priorities.

Investment strategy

Align investments with goals, time horizon, risk tolerance, and liquidity needs.

Insurance & risk

Consider protection, continuity, dignity, and the people who depend on you.

Group benefits

Help business owners consider benefit programs that support employees and continuity.

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.

Discover what matters
Goals, concerns, timeline, lifestyle, family context, and the decision in front of you.

Build the full picture
Review relevant financial facts, arrangements, risks, constraints, and opportunities.

Explain the options
Make choices, trade-offs, assumptions, and unknowns easier to understand.

Support implementation
Coordinate practical steps and qualified professionals needed to move forward.

Stewardship
Review as life, markets, priorities, and circumstances change.

Contact

Let’s begin with a conversation.

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Phone
613-449-4944

Email
[email protected]