David Heidmiller QAFP

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Canada
Oakville, ON
David Heidmiller QAFP

I help my clients achieve their goals through careful financial security planning.

I work with my clients to create a financial security plan that addresses their goals and dreams while also protecting their families from the unknowns of life.

06/18/2026

Compound interest is a powerful financial concept that refers to the interest earned on both the initial principal amount and the accumulated investment gains from previous periods. In simple terms, it means that you earn investment gains not only on your original investment but also on any payouts that your investment has previously earned.

Key points about compound interest:

1. Compounding Periods: The frequency with which payout is compounded (annually, semi-annually, quarterly, monthly, etc.) affects the overall return earned. The more frequent the compounding, the greater the impact on the final amount.

2. Time: Compound growth’s power is most evident over longer periods because investment growth compounds on itself, resulting in exponential growth. This emphasizes the importance of starting to save or invest early to benefit from the compounding effect.

3. Higher Returns: Higher investment returns or more frequent compounding periods lead to greater returns on investments over time.

06/16/2026

Mortgage Insurance vs Life Insurance

Know which coverage you have and the details of the policy. Make sure the coverage you have covers who you want.

Want a review, send a message.

Drop a comment if there is a topic you'd like to see a quick post about.

06/08/2026

One question I get quite often is around what is an RRSP/ TFSA/ LIRA or another type of account.

All the accounts registered or non-registered operate similarly. Education on the differences in tax and income handling now and in the future is important.

For now, keep it simple think of the account as the cabinet. From there fill it with whatever investment that fits your investing style, risk tolerance, goals and account selected. There are many other investments also available.

If your not sure which account(cabinet) best fits your goals? Send a dm and let's connect.

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06/04/2026

Curious what happens to your daily budget with inflation?

Check out the quick video to see how things could change.

Want to test your plan financial plan against inflation, send a message!

06/02/2026

Have you ever wondered what waiting to invest could cost?

The best time to start was yesterday, the next best time is today!!

Connect if you don't know were to start.

05/21/2026

When your financial plan hits all your goals and concerns.

It's time for a well deserved break.

Pull out your written financial plan and review!

Don't know were to start send a message.

05/20/2026

How does life insurance meet your financial plan?

Connect to review your coverage and cover what s important to your family.

05/19/2026

Based on Stats Canada the average undergraduate education after inflation will be over $12,000 in the next 18 years.
If post-secondary education is important to you and your kids look into the RESP as a great savings tool.
Connect if you'd like to know how to open.

05/13/2026

Need help knowing which account best suits your investing needs?

Reach out for a review.

05/12/2026

A great time to start investing is now!!
Time and compound growth is an investors best friend. $50 a month can grow to over $40,000.
Looking to get started on a goal, let's see which account is best for your situation.

Address

Oakville, ON
L6M4S6

Website

https://davidheidmiller.com/

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