Loft Wealth Management Group

Home
Canada
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.

06/24/2026

Estate planning isn’t just about legal documents. It’s about making life easier for the people you care about most.

One of the biggest misconceptions we see? People assume their investments, insurance, lawyer, and tax advisor are all working together automatically. Often, they’re not.

A strong estate plan works best when every piece is aligned:

✔️ Investments structured intentionally

✔️ Beneficiary designations reviewed regularly

✔️ Insurance integrated into the bigger picture

✔️ Legal and tax strategies coordinated together

Small details can make a meaningful difference — from reducing delays and unnecessary taxes to helping your family navigate an already difficult time with more clarity and less stress.

At Loft, we help bring all the moving pieces together so your financial life works as one coordinated strategy, not a collection of disconnected decisions.

See how we can help in one of our past articles: https://bit.ly/4ffrXBj

06/21/2026

On Father’s Day, we recognize the men who show up in ways that truly matter - not just through big moments, but through the steady, everyday actions that leave a lasting impact:

🌱 Leading with patience and strength.

🌱 Offering guidance without judgment.

🌱 Teaching by example.

🌱 Showing up when it matters.

🌱 Putting family first.

These are the qualities that create the kind of memories that stay with us for a lifetime.

Happy Father’s Day from all of us at Loft. 💚

06/17/2026

💰Saving your first $10K is a milestone. Now the question is, what’s the smartest move you can make with it?

The choices you make early in your financial journey can set the foundation for long-term stability. The key is giving every dollar a purpose.

Here’s a simple way to think about where your first accumulation of wealth can have the biggest impact:

➡️Build your safety net. Aim for a starter emergency fund - enough to cover a few months of essential expenses. It’s the buffer that keeps life’s surprises from becoming financial setbacks.

➡️Pay down high-interest debt. If you’re carrying credit card or other high‑interest balances, tackling them early frees up cash flow and reduces long‑term costs.

➡️ Start investing for your future. Even small, consistent contributions can grow significantly over time. Whether you use a TFSA, RRSP, or a mix of both depends on your income, goals, and tax situation.

➡️Set one short-term goal. A first car, a move, travel, professional development — having a clear goal keeps you motivated and helps you build strong saving habits.

Your first $10K isn’t just a number, it’s the foundation of your financial confidence.

🤔If you’re not sure where to start, we can help you map out a path that fits your income, your goals and the way you want to live. Send us a message to begin the conversation.

06/15/2026

Here we grow again! 🎉

We’re looking for an Executive Associate to join our team. If you’re highly organized, can manage multiple priorities, and enjoy building relationships, this could be the role for you!

✨ You’ll make a difference by:
➡️ Delivering exceptional service to clients in-person, by phone, and through written communication.
➡️ Supporting advisors – from managing calendars and coordinating meetings to preparing client files and assisting with follow-ups, and so much more.
➡️ Flexing your marketing muscles and assisting with the coordination and ex*****on of marketing initiatives, client communications and events.

✅ Why this role stands out:
➡️ Opportunity to expand responsibilities in client relationship management, marketing coordination and practice operations.
➡️ Part of a positive, professional and collaborative team.
➡️ Competitive compensation and benefits.
➡️ Friday afternoons off.

If you’re ready to learn, grow and help our team operate at its best, we want to hear from you! Apply today: https://bit.ly/4vQxHGB

Know someone who should see this? Share it with your network!

06/10/2026

⛳ Earlier this week, the Loft team was proud to be the Golf Cart Sponsor at the Ray of Hope Inc. 2026 Golf Classic, held at Rebel Creek Golf Club.

It was a beautiful day to connect with community leaders, local businesses, and fellow supporters, all united behind a cause that is creating meaningful change across the Kitchener-Waterloo Region.

Our four Managing Partners — Jody Cleminson, Derek Barnard, Jamie Delaat, and Robert Dewar — were proud to be part of the event and support the incredible work Ray of Hope does every day. Through housing initiatives, food support, youth programs, employment services, and more, Ray of Hope helps thousands of individuals and families navigate challenges and build brighter futures.

At Loft, we believe strong communities are built when people come together to invest in one another. That's why opportunities like this matter so much.

Thank you to Ray of Hope for hosting another fantastic tournament, and to everyone who helped make the day such a success. We're grateful to play a small part in supporting the people and organizations that make our region stronger. 💚

06/03/2026

⏳ Think retirement planning is for later? Think again.

A lot of people assume retirement planning is something you tackle “someday.” The truth is, the earlier you start thinking about your future income, lifestyle, and long‑term goals, the more flexibility you’ll have down the road.

In one of our recent articles, we break down why retirement planning isn’t just for people nearing the finish line. It’s for anyone who wants options, stability, and a smoother transition into their next chapter.

You’ll learn:

🌟 Why waiting can limit your choices later on.

🌟 How small decisions today can shape your future income.

🌟 The role of inflation, longevity, and market volatility.

🌟 Why retirement is really a cash flow plan.

🌟 How an advisor can help you build a strategy that grows with you.

Whether you’re early in your career, mid‑career, or already thinking about what comes next, it’s never too soon to start planning with intention.

➡️ Read the full article: https://bit.ly/4fkdHaw

If you’re wondering what your own retirement path could look like, our team is here to help you get started.

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!

Address

4B/180 Columbia Street West
Waterloo, ON

Telephone

+15198855177

Website

https://linktr.ee/LoftWMG

Alerts

Be the first to know and let us send you an email when Loft Wealth Management Group posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Loft Wealth Management Group:

Shortcuts

Want your business to be the top-listed Finance Company in Waterloo?