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

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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.

Meet your
dedicated team

Rodney A. Baker, B. Comm. CFP CLU Photo

Rodney A. Baker, B. Comm. CFP CLU

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Rodney A. Baker, B. Comm. CFP CLU

Investment Advisor, Manulife Securities Incorporated
President and Life Insurance Agent, Headwaters Financial Group Ltd.

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. 

Originally hired and trained by London Life in 1998, Rod continued his education and achieved the CFP (Certified Financial Planner) designation in 2000.  He draws on the opinions of many investment fund managers, industry authors and respected peers to steer his own opinions and strategies.  He obtained the CLU (Chartered Life Underwriter) designation in 2012.

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.

Telephone: 1-519-833-4433, extension 24
Toll-free: 1-866-759-2050
Fax: 1-866-812-9205

Email: rod.baker@manulifesecurities.ca

Mike Dytnerski, CFP Photo

Mike Dytnerski, CFP

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Mike Dytnerski, CFP

Financial Advisor Associate, Manulife Securities Incorporated
Associate, Headwaters Financial Group Ltd.

Having graduated from Sheridan College’s 3 year business program in 2002, and influenced by a few gifted instructors. Naturally he continued his studies, and graduated with honours in the Professional Financial Planning course. Ready to start his career in 2003, he promptly joined Freedom 55 Financial where he later met Rod.  Shortly after, they would team up to form a financial duo, only slightly less fantastic than Warren Buffett and Charlie Munger.

Education has been a career-long quest for Mike….but definitely only as a student.  A brief stint as a college instructor gave him a much greater appreciation for his professors.  He achieved the CFP designation in 2005 and is continuing his studies with his sights set on the CIM designation, or Chartered Investment Manager.  Mike brings an analytical view to our group, specializing in portfolio analysis and intergenerational wealth transfer.

Be it summer or winter, you will find Mike and his family up north.  Camping provides him the opportunity to show off his MacGyver skills to anyone willing to watch.  While in “the city”, he keeps active swimming, playing hockey and exploring Oakville’s extensive trail system by bike and foot.  Nothing brings a smile to his face more than spending time with his daughter. 

Telephone: 1-519-833-4433, extension 33
 Toll-free: 1-866-759-2050
 Fax: 1-866-812-9205

Email: mike.dytnerski@manulifesecurities.ca

Debra Matte Photo

Debra Matte

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Debra Matte

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.

Telephone: 1-519-833-4433, extension 0
 Toll-free: 1-866-759-2050
 Fax: 1-866-812-9205

Email: d.matte@manulifesecurities.ca

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 inline 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

If you would like access to view your Manulife accounts online, please contact our Office Administrator,
Debra at d.matte@manulifesecurities.ca.

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