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With so many options for advice and products available, it can sometimes be overwhelming to choose the best path for yourself. We help to evaluate your needs, investigate solutions and implement strategies. Friendly and prompt professional service is what our clients most appreciate about our team.
Telephone: 519-822-2322
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205
9 Woodlawn Rd E, Suite 101. Guelph, ON, N1H 0C1
Investment Advisor, Manulife Wealth Inc.
Life Insurance Advisor, Headwaters Financial
Dave focuses on working with clients to create personalized retirement income plans that integrate workplace savings, personal plans, and government benefits, in addition to overseeing the portfolio design. Dave holds a Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM®) Designation, spending the last 18 years serving high-net-worth investors and their families. Before joining the financial services industry, Dave spent several years working for a global pharmaceutical firm. He graduated from McMaster University in 2001 with an Honors Bachelor of Commerce degree. Dave lives in Kitchener with his wife and three kids, ages 13, 11 & 8.
Telephone: 519-822-2073
Fax: 519-822-8518
45 Speedvale Ave E, Suite 4, Guelph ON. N1H 1J2
Financial Advisor, Manulife Wealth Inc.
As a Chartered Investment Manager (CIM®) designation holder, he has demonstrated a deep understanding of planning focused portfolio strategies, helping his clients navigate the complexities of the financial world with confidence.
Throughout his career, Steve has been dedicated to providing personalized and strategic financial advice to individuals and families, empowering them to achieve their financial goals and secure their financial future. His strong analytical skills, combined with a genuine passion for helping others, have earned him the trust and respect of his clients.
Steve has a love for basketball and a lifelong Raptors fan. Additionally, he is an avid trail biker, finding serenity and adventure on nature's winding paths. Married with two teenagers, family serves as a constant source of motivation and balance in his life.
Telephone: 519-822-2322
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205
9 Woodlawn Rd E, Suite 101. Guelph, ON, N1H 0C1
Associate Advisor, Manulife Wealth Inc.,
Life Insurance Advisor, Headwaters Financial
Tom prides himself on working with clients to guide them along their personalized investment journey. Tom recognizes that each person’s circumstances are unique making it very important to plan, design and implement portfolios that meet each person’s individual financial goals.
Tom began working in the industry after completing his Honours Bachelor of Commerce degree, majoring in Economics & Finance at the University of Guelph. Tom has continued to pursue further education in the financial services industry by obtaining his Certified Financial Planner (CFP®) and Chartered Investment Manager (CIM®) designations.
Tom lives with his wife in Guelph and is an avid golfer and overall sport enthusiast, always looking for a challenge.
Telephone: 519-822-2073
Fax: 519-822-8518
45 Speedvale Ave E, Suite 4, Guelph ON. N1H 1J2
Senior Financial Advisor, Manulife Wealth Inc.
Recognizing the unique needs of each individual Paul dedicates himself to thoroughly understanding and appreciating every client's situation before offering recommendations. In essence, his approach revolves around developing solutions that are tailor-made for each client, guided by the mantra of "helping you explore for more."
He firmly believes in building enduring and robust relationships with his clients, emphasizing trust, transparency, and a genuine concern for their financial well-being.
Outside of work, Paul cherishes adventures with his wife, two daughters, their spouses, and, of course, their family dogs. His interests include skiing, biking, hiking (especially with Jasper), and he proudly considers himself a foodie and audiophile with a deep passion for music. Additionally, he has maintained a lifelong fascination with earth sciences.
Telephone: 519-822-2073
Fax: 519-822-8518
45 Speedvale Ave E, Suite 4, Guelph ON. N1H 1J2
Assistant Investment Representative, Manulife Wealth Inc.
Originally from Brazil, Luciana began her career in retail banking and took on various roles, including customer service representative and assistant investment representative. In addition to her practical experience, she undertook an MBA, a step that significantly contributed to her understanding and capabilities. For the past several years, Luciana completed all courses and requirement to support clients as a licensed assistant. What stands out is Luciana’s focus on building strong client relationships to help clients keep their plan on course . Luciana has a blend of hands-on experience and formal education, striving to uphold the qualities of a dedicated financial professional.
Telephone: 519-822-2322
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205
9 Woodlawn Rd E, Suite 101. Guelph, ON, N1H 0C1
Investment Advisor Assistant, Manulife Wealth Inc.
Marketing Assistant, Headwaters Financial
Andrew is a recent graduate from the University of Guelph where he earned his Honours Bachelor of Commerce degree majoring in Economics & Finance. He was President of the Guelph Student Investment Council and successfully passed the Canadian Securities Course. He will be pursuing an array of Financial Services designations over the coming years. He currently lives in Georgetown and in his spare time enjoys travel, sports and reading.
Telephone: 519-822-2322
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205
9 Woodlawn Rd E, Suite 101. Guelph, ON, N1H 0C1
Administrative Assistant, Manulife Wealth Inc.
Administrative Assistant, Headwaters Financial
Monica joined the Headwaters Financial team in 2025, bringing over a decade of comprehensive experience in office administration and client services. Her background includes expertise in administration, client relations, and several years in the financial services industry as a personal assistant. Monica is highly detail-oriented and plays a key role in ensuring smooth daily operations by managing client accounts and overseeing day-to-day administrative functions.
Residing in the Elmira area, Monica successfully balances her professional responsibilities with a fulfilling family life. She and her husband are proud parents of two teenage sons. Deeply committed to her community, Monica volunteers with her local church and enjoys spending her free time exploring Ontario’s natural beauty and visiting charming small towns with her family.
**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant.
**Some Estate Planning strategies may require the involvement of a legal professional.
If you would like access to view your Manulife accounts online, please contact our Office at 519-822-2322.
While every conversation is different, you should expect to cover some general information and get a sense of what it’s like to collaborate with us.
To help prepare for this meeting, you should have a basic idea of your current financial picture and financial goals. How are things now? Do you have any concerns? What do you hope to accomplish in the next few years and longer term?
