We strive to serve our clients during the financial planning process through deep and meaningful relationships that last for generations.
Your Financial Success is our Mission
Getting on a plan is easy. Staying on the plan with the emotions of the market is the hard part. We’re here to help.
Your Financial Success is our Reward
We are your partner in designing a plan to grow, protect and transfer your wealth.
We are dedicated to professionally supporting, educating, and providing informed direction to each and every client.
We are dedicated to providing investment management and strategic wealth planning that is right for you. Simply put, we strive to be our client’s trusted advisor.
As a firm, our focus is to understand your goals and develop a plan to reach them. We will meet with you to present an analysis and discuss our recommendations. Together, we implement the recommendations and monitor your progress.
The “ring” in our logo signifies our belief that together our clients, our advisors and our company form a union to reach common goals.
A strong planning process is the best way to create a more financially secure plan. It is crucial to create a financial plan that seeks to protects your needs now, and that plans for the future, in a tax efficient manner.
We take a comprehensive approach to maximize your potential for success in all areas of your financial life.
One of the most important components of any successful advisory relationship is truly understanding who you are as a person. With our Discovery Process we focus on what is most important to you, both financially and personally. We will look at all the major aspects of your financial life, including your specific values and goals as well as your time horizon, income and liquidity needs and ability and willingness to take risk. Together, we will define your personal definition of financial success and work with you to translate this into prioritized goals. As part of this step, we will also make a “Mutual Commitment” to working together and putting your plan in place.
In order for us to thoroughly understand your situation, we will take a comprehensive inventory of your current financial position, including strengths as well as any gaps or weaknesses. We will also analyze the effectiveness, composition and expenses of your existing portfolio. We will analyze specific items for action to make sure that your goals and financial situation are aligned.
Based on our analysis, we will develop a long-term financial plan focused on getting you from where you are today to where you want to be in the future. Through this process, we will address any items that need clarification, and make alterations based on any additional information. We think that an open, honest dialogue about your financial needs, beliefs, expectations, and concerns is critical to any successful advisory relationship.
The next step is the implementation of your financial plan. We implement the financial recommendations to ensure you are debt free, properly protected and tax efficiently invested. In addition to creating your investment portfolio we will also work with a team of financial professionals to address all of the non-investment action items we’ve identified. You will also receive an Investment Policy Statement (IPS), which documents what we have agreed to and assigns responsibility and accountability.
Assess and Educate
Your financial plan is never static. That’s why we’ll make our Discovery Process part of our ongoing meetings, so that your plan always reflects your life. We will monitor your plan closely and provide you with clear and concise reporting. In addition, as financial markets rise and fall, your portfolio’s exposure to stocks, bonds, cash and other investments will tend to fluctuate as well. Through periodic rebalancing we will make sure your portfolio maintains its target allocations. This helps control the level of risk in your portfolio and minimizes emotional decision making.
There are many financial products in the market, and so choosing the ones that best meet an individual client’s needs can be complicated. We mean to educate and simplify your choices.
Investments can play a key role in your financial security plan. A mix of registered and non-registered savings can help achieve your goals.
Insurance is essential to any comprehensive financial security plan. It can protect you and your family from undue hardship.
Retirement planning today has taken on many new dimensions that never had to be considered by earlier generations.
Managing your finances is an important component to any financial security plan. Money management strategies help you manage your savings on a daily basis.
Asset allocation is the process of selecting a mix of asset classes that closely matches an investor’s financial profile in terms of their investment preferences and tolerance for risk.
Everyone has their own reason for gifting their assets or a portion of their income to charitable organizations. Some find comfort in helping others who are less fortunate, while others simply want to share their good fortune.
Enrico (Rick) Pietroniro is Founder of Oak Harbour Wealth Management and has been in the financial planning/investment management industry since 1989. He brings a genuinely unique approach that plays a critical role in developing comprehensive financial plans that grow, adapt and change over time, right alongside each of his clients. Through a holistic financial planning process, he prides himself in truly being the clients Chief Financial Officer. By providing an unmatched standard of service to every client, Rick firmly believes in and practices a Client First mission.
We have the knowledge, experience and integrity to help our clients achieve financial independence through the financial planning process. We work with clients by creating and implementing a plan to suit their various needs including retirement, insurance, college savings, cash flow analysis and much more. Knowing our clients have entrusted us with their financial future, we pride ourselves on a client first approach that gives them peace of mind beyond financial planning.” By sharing similar values and going through many of the same life experiences as his clients, the relationships go well beyond financial planning.
Rick grew up in the Hamilton area, graduating from McMaster University with a Bachelor of Commerce in 1983. He then earned his Certified Management Accountant designation in 1987 and received admission to the Institute of Chartered Professional Accountants in June 2014.
Jack delivers 25 years of experience as a Financial Advisor. His dedication and integrity is demonstrated through long-term relationships with each client, as he prides himself on having his clients become friends. His practice is highlighted by intergenerational individuals further proving that he is someone who takes the “family first” approach.
Val has been in the financial services industry since 2001 operating under the trade name of Herner Financial Services and being branched by Oak Harbour Wealth. His diversified connection and experience with multiple major fund companies has made him an unrivaled force in the field, demonstrating his commitment and exceptional level of service to his clients. The unprecedented level of loyalty of each individual client, many of whom have become close friends over the years, speaks to Val’s dedication and results driven modus operandi. Val’s mission of a committed and integrity fueled business will now be carried forward as a team effort with his daughter, Eugenia Phelan, who has joined him on his journey as a business partner.
Eugenia is a fully licensed Financial Advisor with Herner Financial Services and branched by Oak Harbour Wealth Management. Prior to joining the team, Eugenia enjoyed the past decade working in the capacity as a Law Clerk for various legal firms as well as a Property, Insurance & Business Development Associate for an international welding firm. Her unique experience offers clients a laser-focused Advisor with a passion to work closely with each individual to achieve their financial goals.
Kevin Bell has spent much of the last 20 years working on the trading floors of CIBC World Markets and Credit Suisse where he advised institutional investors including Canada’s largest companies, pension funds, and investment managers how to manage financial risks.
Since he started working with individual investors, Kevin has been committed to working in each client’s best interest to achieve their financial objectives through low cost and tax efficient investments. Kevin has an active mortgage business with The Mortgage Group (www.kevinbell.ca) which allows him to provide a comprehensive approach to each client’s finances and identify tax saving opportunities.
Kevin graduated from Queens University with a degree in Economics (Honours) in 1997 and earned his Chartered Financial Analyst designation in 2000. *not affiliated with Oak Harbour Wealth Management.
Alee Attoe has been in the financial services field since 2013. Through dialogue and education, she can help people find the best ways to invest their hard-earned money. Using an integrated approach to financial planning, she helps clients find a balance between short term and long term goals. She has experience with tax-efficient investing, saving money on insurance, debt management, and retirement planning. With her experience in the industry and her commitment to growing her client's wealth, Alee can help you find your path to financial wellness and security.