Harmer Wealth Management I Financial Planning I Insurance I Mortgages

Harmer Wealth Management I Financial Planning I Insurance I Mortgages Personalized Wealth Management & Financial Planning solutions for individuals, families & businesses.

"I no longer worry about my finances — I feel empowered and informed."Worry is what happens when money questions go unan...
09/09/2026

"I no longer worry about my finances — I feel empowered and informed."

Worry is what happens when money questions go unanswered long enough. Joanne didn't need a more complicated portfolio — she needed her questions taken seriously, answered plainly, and revisited every year. Empowered isn't a personality type. It's what informed feels like.

The goal of advice isn't dependence. It's confidence.

What money question have you been putting off? Ask us — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · Mutual funds offered through Investia Financial Services Inc.

09/07/2026

Some households don't choose between the mortgage and investing. They sequence it.

As the mortgage shrinks, some households re-borrow against the equity to invest — gradually converting debt whose interest does nothing into debt whose interest may be tax-deductible. The best-known version is the Smith Manoeuvre. It's powerful in the right hands and wrong for most: it demands stable income, discipline, a long horizon, and genuine comfort with leverage, because borrowing to invest magnifies losses exactly as it magnifies gains.

Advanced strategy is knowing the doorway exists — and being honest about whether it's yours.

Book a Strategy Conversation. We'll tell you honestly whether it fits — including when the answer is no.

09/06/2026

Owing more than the house is worth doesn't mean you're out of moves.

Negative equity simply means the mortgage is bigger than what the home would net after selling costs. With prices off their peak and payments resetting higher at renewal, more Ontario households are sitting in this exact spot than you'd guess. The math changed — not your judgment.

Here's the playbook from this Reel. First, we sit down and look at refinancing, re-amortizing, or restructuring to bring the monthly payment down and give your cash flow room to breathe. Second, if that's not enough, we work with lender partners on temporary relief — deferrals, interest-only periods, hardship programs — always with an eye on protecting your savings. Third, we rebuild: budget, credit, savings, so this chapter ends up in the rear-view mirror.

A hard season is a math problem, not a verdict.

Send us a DM for the no-judgment checklist and a private game-plan session.

Chad Harmer, Financial Planner
Harmer Wealth Management | HarmerWealth.com

Big income. No traction. It's more common than anyone admits.The leaks are rarely dramatic: raises that became spending ...
09/05/2026

Big income. No traction. It's more common than anyone admits.

The leaks are rarely dramatic: raises that became spending before anyone decided anything, accounts scattered across five institutions, tax left on the table between two brackets, and no written plan because busy feels like planned. Each leak has a one-line fix — and none of them requires earning more.

Traction isn't income. It's a system.

If a strong income isn't turning into progress, book a Second Opinion Call. One review to find the leaks and redirect them.

The market's job is to grow wealth slowly. The news cycle's job is to keep you watching. Those are different jobs.Every ...
09/04/2026

The market's job is to grow wealth slowly. The news cycle's job is to keep you watching. Those are different jobs.

Every October there's a headline that feels like a reason to sell everything, and every plan we build assumes those headlines will keep coming. The plan is what lets you read the news like a spectator instead of a participant.

Patience is a strategy. Panic is a reaction.

If headlines have been testing you lately, book a conversation — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs and Mutual funds offered through Investia Financial Services Inc.

A fund that pays a 6% distribution is not automatically earning you 6%. Part of that cash flow can simply be your own ca...
09/03/2026

A fund that pays a 6% distribution is not automatically earning you 6%. Part of that cash flow can simply be your own capital handed back to you — which is fine, if you know it, and a problem if you don't.

Retirement income isn't something you withdraw and hope. It's something you design: which account pays first, what the tax cost is, what keeps growing while you spend, and what happens in a bad year. That's the work.

Income you understand is income you can retire on.

Request a Retirement Income Review — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs and Mutual funds offered through Investia Financial Services Inc.

"Chad and his team made the transition from working to retirement so easy."The transition is the part nobody prepares yo...
09/02/2026

"Chad and his team made the transition from working to retirement so easy."

The transition is the part nobody prepares you for. For thirty years the paycheque just arrives — then one Monday it doesn't, and every decision that used to be automatic becomes a question. Karyn's plan answered those questions before the first Monday came.

Retirement should be a transition, not a cliff.

Planning the transition yourself? Book a conversation — link in bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs and Mutual funds offered through Investia Financial Services Inc.

MEET THE TEAM MONDAYMeet Chad Harmer — Founder of Harmer Wealth Management.Chad has spent nearly two decades helping fam...
08/31/2026

MEET THE TEAM MONDAY

Meet Chad Harmer — Founder of Harmer Wealth Management.

Chad has spent nearly two decades helping families, professionals, and business owners answer the questions that matter: Am I on track? How much is enough? What happens next?

His background is built for it. Harvard educated, with an MBA and formal training in psychology — because financial decisions are rarely just about the numbers. He holds the CIM and PFP designations and is a Fellow of the Canadian Securities Institute, one of the highest honours in Canadian financial services. His insights have been featured in Forbes, Fortune, Entrepreneur, Benzinga, and Realtor.

Here is what makes the practice different:

Most advice happens in one lane. Chad built the firm so it doesn't have to. Financial planning and investments through Harmer Wealth Management. Mortgages through his Level 2 Mortgage Agent licence. Life and disability insurance. And a real estate team, The Harmer Group, when property is part of the plan.

One table. Every moving part. Decisions made in the right order.

That is what a Complete Financial Second Opinion looks like — and it starts with one conversation. Book at the link in bio.

Chad Harmer
Harmer Wealth Management
1.800.723.2138
[email protected]

Founder | Financial Planner | Harmer Wealth Management Corp.
Mortgage Agent Level 2 | Lic. M190000975 | MortgageBroker.ca Ltd., Licence #12707
Investment Funds Advisor with Investia Financial Services Inc.
Real estate services provided through The Harmer Group.
Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc.

08/31/2026

Fixed or variable isn't a coin flip — the difference can be tens of thousands of dollars over a term.

Fixed rates buy certainty. Your payment never moves, which makes budgeting easy. The trade-off is flexibility: if rates drop, you keep paying the higher rate, and breaking a fixed mortgage early can trigger a steep penalty.

Variable rates move with the market, in both directions. But the penalty to break one is typically just three months' interest. And here's the part most people don't know: you can lock a variable into a fixed rate at any point during your term, as long as the new term is equal to or greater than the time you have left. You're never trapped.

In today's market, variable deserves a closer look than most people give it — but the right answer depends on your cash flow, your timeline, and your tolerance for movement.

The best rate type is the one you chose on purpose.

Visit HarmerWealth.com to book a mortgage strategy call.

Harmer Wealth Management | HarmerWealth.com

Most people have never had a second set of eyes on their finances. Not because they don't want one — because they were n...
08/30/2026

Most people have never had a second set of eyes on their finances. Not because they don't want one — because they were never offered one.

A second opinion isn't a judgment on what you've done. It's a structured look at what you own, what you owe, what you're paying, and whether it all still points at the life you actually want. Sometimes the answer is "you're in good shape." That's a good meeting too.

Clarity costs nothing. Confusion compounds.

Book a Complete Financial Second Opinion — the link is in our bio.

Chad Harmer, Financial Planner | Investment Funds Advisor
Harmer Wealth Management Corp. · ETFs, Liquid Alternatives, EMP, andMutual funds offered through Investia Financial Services Inc.

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