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.

09/02/2026

You can build a great benefits plan. But if your employees don’t understand what’s available to them, how to access it, or why it matters… is it really doing its job? 🤔

The most expensive benefit may be the one nobody uses.

For employers, offering group benefits is only part of the equation. Helping employees understand their coverage can make a big difference in how much value they get from the plan, whether that means knowing they have access to mental health support, paramedical services, prescription coverage or other resources.

And when employees better understand their benefits, the investment can work harder too: supporting your team, strengthening your overall compensation package and helping employees see the value of what you’re providing beyond their paycheque.

At Loft, we help business owners look beyond simply having a benefits plan in place. We can help you make sure it continues to make sense for your business and the people it was designed to support.

08/28/2026

✨ Beyond Wealth by Loft

Wealth is about so much more than what’s on a statement. It’s about having the knowledge, relationships and conversations that help you feel confident about the bigger picture.

That thinking inspired Beyond Wealth by Loft, a special evening recently hosted by Jody Cleminson at the beautiful Deer Ridge Golf Club.

Jody brought together a group of women for an evening designed to be equal parts informative, meaningful and fun. Guests heard from lawyer Sarah Mumtaz, who shared her expertise and sparked some great conversation, before heading outside for a putting contest and wrapping up the evening over dinner.

And while the setting was beautiful, it was the people and conversations that made the night.

One note Jody received afterward summed it up perfectly:

“Everything about the night was so thoughtfully done, and it truly was such a wonderful event.”

That’s exactly what Beyond Wealth is about: creating space for conversations and connections that go beyond finances – because there’s a whole lot more to a rich life than money. 💚

A special thank you to Sarah for sharing her time and expertise, and for generously providing raffle prizes for the evening. We're also grateful to Worthy Skin & Beauty Bar for helping make the night extra special with welcome gifts and golf prizes, and to Deer Ridge for the wonderful hospitality.

And of course, thank you to everyone who joined us and helped make Beyond Wealth by Loft such a memorable evening.

08/26/2026

We get it – talking about your estate plan with your adult children isn’t always easy. Talking about aging, money, roles, and “what happens someday” can stir up sadness, worry, guilt, or the fear of burdening the people you love. So, these conversations get postponed…and postponed…until life forces them to happen under stress.

That’s when misunderstandings happen, emotions run high, and assets can “go walking” simply because no one knew the plan.

Avoiding the hard topics doesn’t protect your family. Talking about them does.

It’s one of the most meaningful steps you can take to protect your wishes, reduce future stress, and make sure your wealth goes exactly where you want it to.

Bringing your children into the conversation early helps:

➡️ Clarify your intentions, so everyone understands your wishes.

➡️ Reduce conflict by setting expectations long before decisions are needed.

➡️ Prepare your executors and power of attorneys for the roles they’ll hold someday.

➡️ Strengthen family trust through transparency and shared understanding.

➡️ Protect your legacy by ensuring your assets are transferred the way you intended.

At Loft, we help families navigate these conversations with compassion and a strategy that reflects your values. You don’t have to figure this out alone. Your future self (and your kids) will thank you for starting early.

👉 Ready to begin the conversation? We’re here to help: https://bit.ly/4w2XTOc

08/24/2026

⛳ A round of golf for a cause that matters. 💚

Last week, the Marc Hilker Memorial Golf Tournament brought golfers, sponsors and supporters together for a great day on the course, and an even more meaningful reason.
We were proud to be a corporate sponsor of this year’s tournament, including sponsoring a hole and helping support a day dedicated to giving back.

Proceeds from the tournament benefit Lisaard & Innisfree Hospice, two local hospice residences providing compassionate palliative care and support to individuals and families throughout the end-of-life journey.

We didn’t hit the fairways ourselves this time, but we were very happy to play a small part in a tournament that brings our community together in support of two organizations doing incredibly important work.

A big thank you to everyone who helped make this year’s tournament possible. Here’s to a great day, a meaningful cause and a community that continues to show up for one another.

08/19/2026

🏠 What does it really cost to stay in the home you love as you age?

For many Canadians, aging in place offers comfort, independence and familiarity. But it also comes with unique financial, legal and family considerations.

At first glance, staying in your home may seem like the simpler, more affordable option. But over time, the true costs – from home modifications to in-home care and transportation – can add up quickly. Without a plan, that comfort can come at a cost.

At Loft, we believe aging in place should be a deliberate choice, supported by a strategy that reflects your values, protects your independence, and engages your family in meaningful ways.

In this article, we explore:

➡️ The often-overlooked financial realities of aging in place

➡️ The importance of early, open conversations with family

➡️ The legal and estate planning essentials that offer reassurance for the road ahead

Aging well at home is possible. It just takes the right plan.

📖 Read our take in this article: https://bit.ly/4fpfQRJ

08/18/2026

We're excited to officially welcome Shireen Masri to Loft as our newest Executive Associate! 🎉

Today marks Shireen's first day, and we couldn't be happier to have her on board.

With more than five years of experience supporting clients and advisors in the financial services and accounting industry, Shireen brings a thoughtful, detail-oriented approach to everything she does. She has a passion for creating exceptional client experiences, building meaningful relationships, and keeping the behind-the-scenes details running seamlessly — qualities that make a tremendous difference for both our team and the families we serve.

As Loft continues to grow, so does our commitment to investing in incredible people who share our values of care, collaboration, and excellence. We're thrilled that Shireen is part of that journey.

Please join us in giving Shireen a warm Loft welcome! 👏

08/13/2026

We're celebrating an exciting milestone at Loft! 🎉

Derek Barnard has officially earned his Certified Financial Planner® (CFP®) designation from FP Canada.

The CFP® designation is one of Canada's most respected financial planning credentials, requiring rigorous education, professional experience, and an ongoing commitment to the highest ethical and professional standards.

For Derek, this achievement isn't about adding letters after his name. It's a reflection of something that's always been central to who he is as an advisor: a commitment to continuous learning, thoughtful planning, and helping clients make confident decisions through every stage of life.

At Loft, we believe great advice comes from people who never stop learning. Whether it's expanding our knowledge, continuing to build our expertise, or finding better ways to serve the families and business owners who trust us, we're committed to continually raising the bar.

Congratulations, Derek, on this well-earned accomplishment. Your dedication to your profession, your clients, and our team is something we're incredibly proud to celebrate. 💚

08/12/2026

The world may have crowned its soccer champion, but here’s a financial MVP that wins every year: the TFSA (Tax-Free Savings Account).

As we move through August, it’s a great time to check in on your financial goals. The TFSA is one of the simplest, most flexible tools to help you get there.

It isn’t just a place to “park” savings. It can help you:

🌱 Grow your investments tax‑free (no tax on gains!)

🎯 Save for short‑ or long‑term goals (travel, home, retirement… anything really).

🔄 Withdraw funds anytime (without penalties).

📅 Carry forward unused room (if you haven’t maxed out yet).

🧘 Build financial flexibility (without complicating your tax return).

Whether you’re just getting started or looking to make the most of your contribution room, we can help you understand how a TFSA fits into your broader plan.

➡️ Have questions about how to use your TFSA effectively? We’re here to help.

08/05/2026

📆Did you know? Regular RRSP contributions throughout the year can help you build your wealth.

Instead of saving up to make a lump sum contribution to your RRSP before the deadline in the spring, consider making regular, pre-authorized contributions (PACs) throughout the year.

Some of the benefits of PACs:

✅ Never miss a deadline. Once your PAC is set up, you won’t need to be reminded to contribute.
✅Build your savings faster thanks to compounding interest.
✅ Reduce the effects of market volatility with dollar-cost averaging.

We believe when it comes to your RRSPs it’s important to think beyond deadlines and deductions and consider direction. How does contributing to an RRSP fit into your overall retirement plan?

If you’re not sure whether you should be making regular or lump sum contributions to your RRSP, we can help you decide which approach fits your plans or if there are other tools you could consider.

Reach out and let’s talk.

https://bit.ly/4w2XTOc

07/31/2026

This extra long weekend always arrives at the perfect moment – it provides a little breather in the middle of summer to slow down, enjoy the sunshine, and spend time with the people we care about. However you’re spending the long weekend, we hope it brings you a bit of calm and a lot of joy.

Our Loft team is off on Monday, August 3, taking the day to recharge. We’ll be back on Tuesday, ready to support you with whatever you need.

Wishing you a safe, restful, and memorable long weekend ☀️🏖️

Address

4B/180 Columbia Street West
Waterloo, ON

Telephone

+15198855177

Website

https://linktr.ee/LoftWMG

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