Loft Wealth Management Group

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Waterloo, ON
Loft Wealth Management Group

We are dedicated to providing an exceptional client experience and integrated financial advice.

Insurance products, including segregated fund policies are offered through Loft Wealth Management Group, and Investment Representatives Derek Barnard, Jody Cleminson, James Delaat, Robert Dewar, Garry Gardiner, Melissa Gardiner, Zoe Mossey, Anne Crocker, Reid Ramseyer and R. Rick Macoretta offer mutual funds and referral arrangements through Quadrus Investment Services Ltd.

05/29/2026

⛳ It was a great day for the Fairways to Financial Confidence Golf & Dealer Education Event!

Yesterday was a fantastic day to get out on the course with Financial Horizons at Whistle Bear Golf Club for a fantastic mix of industry education, collaboration, networking, and golf.

Loft was proud to attend alongside industry peers and partners for a day focused on strengthening knowledge, sharing ideas, and building meaningful connections across the financial services community. Reid and Rob were proud to represent our team at this unique event that brought together learning both on and off the course.

Pictured left to right: Paul Westaway, Rob Dewar, Reid Ramseyer, and John McMeans.

Thanks to everyone who helped make the day such a success!

05/27/2026

Many successful families are experiencing something that was rare just a generation ago:

👉 Four generations alive at the same time.

It’s a wonderful thing. But it also changes how financial planning works.

Today, it’s common for someone in their 60s to still have parents in their late 80s or 90s, while their own children are building careers, buying homes, and starting families.

That means one generation may find itself in the middle of several important responsibilities at once

✅ Supporting aging parents.
✅ Helping adult children get established.
✅ Planning for a retirement that may last 30 years or more.

Individually, none of these priorities are unusual. But when they happen at the same time, the financial decisions start to connect.

➡️ Helping a child with a home purchase may influence retirement timelines.
➡️ Planning for long-term care can affect estate structures.
➡️ And conversations about legacy often begin much earlier than families expect.

This is one of the biggest shifts we’re seeing with successful families today: wealth planning is becoming far more multi-generational than it used to be.

In our latest article, we explore how longer life expectancies are reshaping family financial planning, and why this moment can create not just complexity, but meaningful opportunities for families to think differently about legacy.

Read the full article now! https://loftwmg.ca/blog/39735-Four-generations-one-plan-Navigating-the-new-reality-of-family-wealth

05/20/2026

Your employees may be feeling the strain of rapidly changing economic conditions. A recent study by MNP Ltd. found that 61% of Canadians are experiencing “financial whiplash” because of shifting economic conditions. Because financial stress affects your employees’ mental and physical well-being, it also affects their workplace performance.

A group savings plan is a powerful way for you to help your workforce navigate an uncertain economy and demonstrate that you care about their long-term well-being. But if you’re a small or mid-sized business, navigating group savings plans can feel overwhelming.

➡️ That’s where we come in. We specialize in building tailored group savings plans that are practical, sustainable, and meaningful. As your business grows or your team’s needs change, we’ll revisit and adjust your plan so it continues to be aligned with your goals.

By alleviating some financial stress for your employees, you’ll see benefits like:

✅️Higher employee productivity and engagement
✅ Improved attraction and retention of talent
✅ Valuable tax advantages for your business

Whether you’re reviewing your current plan or just starting to explore options, it helps to step back and look at the bigger picture with the right guidance.

If you’re considering a group savings plan, we’re here for a conversation. We’ll offer you our honest insights to help you make confident decisions.

Reach out to find out how we can help.

https://loftwmg.ca/contact-us

05/15/2026

Summer starts now! 🎆

While June 21 is technically the first day of summer, for Canadians, it’s May 2-4.

Whether you’re at the cottage ready for the season, working in the garden, or relaxing with family and friends, all of us Loft Wealth Management hope your summer has an amazing start.

Happy Victoria Day from all of us here at Loft!

05/13/2026

We’re excited to officially welcome our two new summer interns to the Loft team: TJ Cleminson and Morgan Barnard!

TJ recently completed his first year at Wilfrid Laurier University, where he is majoring in Communications.

Morgan has completed her first year of the Honours Bachelor of Commerce program at the University of Guelph.

We’re thrilled to have TJ and Morgan join us this summer and look forward to the energy, ideas, and enthusiasm they’ll bring to the team.

Welcome to Loft! 💚

05/10/2026

Today, we’re taking a moment to recognize the hardworking mothers who make our lives better every day. Project manager, financial planner, concierge, chef, chauffeur, home renovation expert, and more! Where we would be without moms and all they do for us?

All of us at Loft Wealth Management are grateful for the wonderful moms in our lives and our clients’ lives. Your trust and partnership mean the world to us.

Wishing you a day full of rest, happiness and appreciation.

Happy Mother’s Day from all of us here at Loft!

05/08/2026

We’re proud to share that our very own Jody Cleminson will be speaking at the second annual Waterloo Region Women’s Expo on May 23 – part of the long-standing Women of the Year celebration.

For more than 50 years, Kitchener-Waterloo Oktoberfest has brought the K-W Oktoberfest Women of the Year awards to our community to recognize and celebrate the women shaping our region. What started as an awards program has grown into something bigger: a platform for connection, learning, and elevating women’s voices across the region.

Launched in 2025, the Women’s Expo is a natural extension of that legacy. It’s a space designed to bring women together to connect, learn, and celebrate achievements through inspiring speakers, interactive workshops, and a showcase of women-led businesses.

Jody will be joining the “Lessons on Loot” panel alongside other experts to unpack important financial life topics in a way that’s clear, practical, and useful, because understanding your money shouldn’t feel overwhelming.

With a full day of programming, meaningful conversations, and opportunities to engage with the local community, the Expo reflects exactly what the Women of the Year initiative has always stood for: celebrating progress while creating space for what’s next.

📍 Bingemans
📆 May 23, 3:30 p.m. panel discussion
🎟️ Learn more and get your tickets today: https://womenoftheyear.ca/expo/

We hope to see you there!

05/06/2026

Home buying season is in full swing. 🏡

Traditionally, in Canada, the busiest time of year for home sales is April to July.

Seeing all the For Sale signs may have you asking, “Am I ready to buy a home?” and, most importantly, “What kind of home do I want?”

For most of us, a home will be the largest asset we’ll buy. Owing your own home could give you:

✅ Stability. You’ll decide if and when to move.
✅ Freedom. You can update, decorate and landscape your home however you wish.
✅ Predictability. If you choose a fixed-rate mortgage, your payments won’t increase year-to-year, unlike your rent.
✅ Equity. As you pay your mortgage, you’ll build equity.

We help clients prepare for home ownership through strategic use of the Home Buyers’ Plan (HBP) and the First Home Savings Account (FHSA).

To help you determine if you’re ready to buy a home, we’ll explore these questions with you:

➡️ Why do you want to own rather than rent a home?
➡️Have you budgeted for the costs of buying a home, including closing costs, fees, property taxes and insurance?
➡️What type of home do you want and does it fit your current budget?
➡️Will you stay in one home for years or change homes as your family’s needs change?

We work with you to design a plan that helps make your home ownership dreams a reality.

Because a house isn’t just an asset, it’s where you live.

Reach out and let’s get the conversation started. https://loftwmg.ca/contact-us

04/30/2026

🥌 Proud to be part of the Team King journey this past curling season.

As the team wraps up an incredible season, we were truly touched to receive a thoughtful thank you note from the team reflecting on the year. It meant a lot to our entire group.

And what a season it was!

🏆 Ontario Tankard Champions
🍁 Represented Ontario at the 2026 Brier
📈 Ranked 1st in Ontario, 7th in Canada, and 20th in the world
💪 44–23 record across 10 events nationwide

The results are remarkable, but what stands out even more is the people behind them. The team’s humility, gratitude, and commitment to excellence are what make us especially proud to support them.

At Loft, we believe in backing people who not only perform at a high level, but represent their community the right way.

Excited to see what’s ahead for Team King next season!💚

04/29/2026

📢 Interest rate announcement today: What it means for your wallet.

The Bank of Canada makes its latest interest rate call today, holding its rate steady at 2.25% for the fourth consecutive time. But what does that actually mean for your day-to-day finances?

Whether rates go up, down, or stay the same, here’s what you should know:

⬆️ When rates go up: Borrowing costs rise (think mortgages, car loans, credit cards), but savers may see better returns on GICs and high-interest accounts.

⬇️ When rates go down: Debt gets cheaper, which could be the right time to refinance or lock in a mortgage. Just keep in mind your savings may earn less.

➡️ When rates stay the same: That’s still a signal. It can tell us where inflation might be headed and help guide choices around debt, savings, or investing. Today, the Bank of Canada warns of higher inflation for the short term due in part to higher oil prices, but projects inflation will decline over the course of the year and into early 2027.

The big picture? Interest rate moves ripple through almost every part of your financial life. Knowing what today’s decision means can help you plan your next steps with more confidence.

💬 We’re curious: do you see rate changes as more of a challenge, or more of an opportunity? Let us know in the comments!

Address

4B/180 Columbia Street West
Waterloo, ON

Telephone

+15198855177

Website

https://linktr.ee/LoftWMG

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