Wilmot Financial Services

Wilmot Financial Services We help our clients deliberately arrange their cash flow, insurance, and investment programs to maximize their income.

"Del and Susanne are both amazing to work with. They took the time to map out our financials with a great visual representation before making recommendations based on our goals. They took the time to answer all of our questions and their communication was excellent. I would highly recommend their services!"
Amanda V

The biggest retirement mistakes aren't always investment mistakes. Often, they're the decisions people don't realize the...
08/25/2026

The biggest retirement mistakes aren't always investment mistakes.

Often, they're the decisions people don't realize they're making, like when to take CPP, how to draw income from different accounts, or how to plan for a retirement that could last 30 years or more.

A well-designed retirement plan goes beyond savings. It helps create tax-efficient income, manage risk, and provide confidence that your money will support the lifestyle you want for years to come.

When should you start CPP? 🤔Many Canadians assume the answer is simple: take it early or delay it. In reality, CPP timin...
08/07/2026

When should you start CPP? 🤔

Many Canadians assume the answer is simple: take it early or delay it. In reality, CPP timing is one of retirement’s most important decisions and can affect your income for decades.

The best choice depends on your health, taxes, income sources, retirement goals, and overall financial plan.

Before you apply, make sure you understand the trade-offs. đź’ˇ

Wishing you a very happy Civic Holiday! 🎉Del, Susanne, Jenna and SharonThe office will be closed on Mon. August 3rd, 202...
08/03/2026

Wishing you a very happy Civic Holiday! 🎉

Del, Susanne, Jenna and Sharon

The office will be closed on Mon. August 3rd, 2026.

Have you reviewed your beneficiaries recently?Many people regularly review their investments and insurance but overlook ...
07/27/2026

Have you reviewed your beneficiaries recently?

Many people regularly review their investments and insurance but overlook their beneficiary designations. An outdated beneficiary—or no contingent beneficiary—could lead to unintended outcomes, delays, and potential probate costs. A quick review today can help ensure your wishes are carried out and your loved ones are protected tomorrow.

Contact us to schedule a beneficiary review.

What would happen to your financial plan if your income suddenly stopped?Protect the "goose" that generates the golden e...
07/08/2026

What would happen to your financial plan if your income suddenly stopped?

Protect the "goose" that generates the golden eggs.

đź“© Reach out to Wilmot Financial for a personalized income protection review.

Retirement Is More Than a Savings GoalYou've spent years building your retirement savings—but do you have a plan to turn...
07/07/2026

Retirement Is More Than a Savings Goal

You've spent years building your retirement savings—but do you have a plan to turn those assets into reliable income?

According to Del Wilmot, Chartered Financial Planner® and Registered Financial and Retirement Advisor® at Wilmot Financial Services in Fergus, retirement success isn't just about how much you've saved. It's about making informed decisions around CPP, OAS, RRSPs, RRIFs, taxes, and withdrawals.

The five to ten years before retirement—and the early years after—are what Del calls the Retirement Red Zone. During this critical period, proper planning can help maximize income, reduce taxes, and avoid common retirement mistakes.

A well-designed retirement income strategy can help you:

• Create sustainable, tax-efficient income
• Make informed CPP and OAS decisions
• Avoid costly withdrawal mistakes
• Gain confidence about your financial future

Ready to see if you're on track?

Del offers a complimentary, no-obligation "Fit" Meeting to help you explore your retirement income options and determine whether his approach is right for you.

Wilmot Financial Services
519-787-4627
[email protected]
WilmotFinancial.com

You've worked hard to build your savings. Now make sure they work for you in retirement.

Heading into retirement’s “Red Zone”? Timing matters just as much as returns. When horizons are short, markets can swing...
06/21/2026

Heading into retirement’s “Red Zone”?

Timing matters just as much as returns.

When horizons are short, markets can swing—but long-term investing has historically been more stable.

A planning-first approach helps balance short-term needs with long-term growth, so you can retire with clarity and confidence.

Putting your Tax Refund to Work:🚫 Don’t let your tax refund quietly disappear.✅ It could be used to reduce debt, save fo...
04/24/2026

Putting your Tax Refund to Work:

🚫 Don’t let your tax refund quietly disappear.

âś… It could be used to reduce debt, save for a first home (FHSA), grow retirement savings, or help lower taxes next year.

A refund can create financial momentum—or fade into everyday spending. We help clients make intentional, confident choices. Reach out anytime.

https://mailchi.mp/wilmotfinancial/putting-your-tax-refund-to-work

Address

181 Street Andrew St. E. , Unit 6
Fergus, ON
N1M1P9

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

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