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It's time to start enjoying the planning
of your financial future.

Start Today

Have a question?  Ready to schedule a meeting?

Request a callback below or leave us a message.

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.

Meet your
dedicated team

Dave Kudsia Photo

Dave Kudsia

CFP®, B.Comm
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Telephone: 519-833-4433 | 519-822-2073 x102
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205 | 519-822-8518

45 Speedvale Ave, Suite 4
Guelph. N1H1J2

Dave Kudsia, CFP®, B.Comm 

Investment Advisor, Manulife Securities Incorporated
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 is a Financial Planner and has spent the last 12 years serving high-net-worth investors and their families. Prior to 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 8, 6 & 3.  It’s all work and family right now, but Dave enjoys strength training and swimming before sunrise.  Alarm set for 4:45AM.

Tom Carroll Photo

Tom Carroll

CFP®, CIM®, B.Comm
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Telephone: 519-833-4433 | 519-822-2073
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205 | 519-822-8518

Tom Carroll, CFP®, CIM®, B.Comm 

Associate Advisor, Manulife Securities Incorporated, 
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 fiancée in Guelph and is an avid golfer, triathlete, and overall sport enthusiast always looking for a challenge.

Debra Matte Photo

Debra Matte

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Telephone: 519-833-4433 x0
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205

Debra Matte

Investment Associate, Manulife Securities Incorporated

Who knew that previous careers in travel and decorating would lead Debra down the path of financial services?  Associated with Manulife Securities offices since 2005, she has become a vital part of our firm.  Industry-related education is the course of action on route to becoming a fully-licensed assistant.

Most of her personality traits can be attributed to being a “Sudbury girl”.  Outdoor activities trump the gym (except when it’s minus 30), and no home improvement is too big for Debra to handle.  Don’t let her size fool you; she’s a kick-boxer, don’t you know!

Living with her husband not far from Erin, she enjoys frequent visits from their 2 adult sons and their growing family.

Rodney A. Baker Photo

Rodney A. Baker

B. Comm.
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Telephone: 1-519-833-4433, x24
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205

Rodney A. Baker, B. Comm.

Life Insurance Advisor, Headwaters Financial

With an extensive education in finance, economics and marketing from the Universities of Windsor and Western Ontario, along with Georgian College, Rod was destined to a career in financial services.  The varied part-time jobs along the way also helped him to relate to the many different personalities of clients and co-workers. 

He draws on the opinions of many investment fund managers, industry authors and respected peers to steer his own opinions and strategies.

Rod prides himself on the many quality relationships that he has, but is most proud of his 3 great kids.  The small town of Erin is the perfect backdrop for their active lifestyle.  Within his own backyard, Rod has been championed master skating-rink-maker by his son, and highest-trampoline-jumper by his two daughters.  He can also be seen cycling, hiking or skiing on the extensive trail system within the Headwaters Region.   The game of golf remains a mystery to him, but he hopes to one day break 100 again.

Our Services & Products

Investment & Asset Management

  • Goal setting and Required Rate of Return
  • Asset allocation based on personal goals and objectives
  • Ensuring investment selection is in line with goals & risk tolerance
  • Tax efficiency of Investments
  • Fee Analysis
  • Continuous Monitoring and goal checks

Corporations and Businesses

  • Business Risk Management
  • Investment and Asset Management
  • Group RSP
  • Tax Efficiency of Business Income
  • Group Benefits

Tax Minimization Strategies

  • Tax efficiency of investments
  • Tax deferral
  • Tax conversion
  • Passing assets through your estate
  • Income splitting
  • Intergenerational transfer

**Tax minimization strategies abide by rules set forth by the CRA and may require us to work along side a Chartered Accountant.


  • Capital Needs and Cash Flow Analysis 
  • Education Planning     
  • Short term goal planning 
  • Debt Management
  • Beneficiary audit

Retirement Planning

  • Retirement Income Projection and Analysis  
  • Pension Analysis
  • Severance
  • TFSA or RSP ?
  • Goal Setting
  • CPP and OAS Analysis

Estate Planning  

  • Legacy Planning
  • Inheritance
  • Intergenerational transfers
  • Estate Bond
  • Gifting to children
  • Trusts
  • Charitable donations

**Some Estate Planning strategies may require the involvement of a legal professional.

Risk Management & Needs Coverage

  • Income protection
  • Asset protection
  • Family protection
  • Estate protection
  • Travel Insurance

Offered through Manulife Securities Incorporated

  • Mutual Funds
  • Stocks
  • Bonds
  • ETFs
  • GICs
  • Fee-based Accounts
  • Structured Products
  • Registered Retirement Savings Plans (RRSP)
  • Registered Retirement Income Funds (RRIF)
  • Life Income Funds (LIF)
  • Tax-Free Savings Accounts (TFSA)
  • Registered Education Savings Plans (RESP)
  • Registered Disability Savings Plans (RDSP)

Offered through Headwaters Financial Group Ltd.

Getting Started is Easy

Erin Location

226 Main Street, P.O. Box 1005
Erin ON, N0B 1T0

Business: (519) 833-4433
Toll Free: 1 (866) 759-2050

Guelph Location

4-45 Speedvale Ave. E.
Guelph ON, N1H 1J2

Business: (519) 822-2073
Fax: 519-822-8518

If you would like access to view your Manulife accounts online, please contact our Office Administrator, Debra at (519) 833-4433.

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?

Call 519-833-4433