Life changes.
What financial season are you in?


Life changes.
What financial season are you in?

Together, let’s simplify Your season of life

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If you are just starting out, or even if you are starting over, deGraaf Financial Strategies can simplify this season for you by shopping the financial markets for the best solutions to your unique needs and get you started on the best financial path.

Personalized and unbiased advice is a sure way to get you on the path to financial freedom and making these early years count.

  • Life Insurance
  • Mortgage Insurance
  • Disability Insurance
  • Cash Flow Planning
  • RRSP (Registered Retirement Savings Account)
  • RESP (Registered Education Savings Plan)
  • TFSA (Tax-Free Savings Account)
  • FHSA (First-time Homebuyers Savings Account)
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Allow us to guide you towards the retirement you dream about – whether that’s wintering down south, hanging out with the grandkids or volunteering in your neighbourhood.

One thing is for sure, you can count on deGraaf Financial to get to know you and to be there when you need us, unlike the revolving door at the bank. We work for you – and we aren’t going anywhere.

Let’s review strategies to maximize your investments and your tax breaks while we work towards those dreams together! We are committed to and invested in your success.

  • Retirement Savings Planning
  • Tax-Efficient Investments
  • Naming Beneficiaries
  • Critical Illness Insurance
  • Employee Benefits
  • Maximizing Company Pensions
  • Severance Packages
  • Debt & Cash Flow Management


Our specialty is the Autumn season and providing clients with peace of mind, knowing we have taken steps to ensure their retirement income will last their lifetime.

Switching from the Savings season to the Income season is a big transition for most people and should be done with the guidance of a qualified Financial Planner, to ensure your Retirement Income is tax efficient and maximizes your government benefits.

Having a Financial Plan is like having a Retirement Income Roadmap which gives you a personalized preview of the road ahead – based on your savings and spending.

  • Pensions
  • RRSP’s, RRIF’s and Annuities
  • Retirement Income for Life
  • Tax-efficient Strategies
  • Estate Friendly Investments
  • Charitable Gift Planning
  • Team of Professionals
  • Certified Financial Planner
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From real, personal experiences Léony truly understands the most difficult time for any family is when they lose a loved one. Léony is there for her client’s family – to answer their questions, help to ease the financial transition and guide them through the Estate process as efficiently as possible. A little pre-planning and regular reviews can go a long way in preventing discourse and unintended fees and consequences.

As an experienced Executor herself and a Certified Executor’s Adviser (CEA), Léony is able to ease the burden and guide your Executor through the latest probate regulations and red tape, during their difficult time.

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  • Estate Planning & Guidance
  • Estate Friendly Investments
  • Estate Transitions
  • Gradual Inheritance Strategy
  • Probate Planning (Estate Administration Tax)
  • Executor Assistance