Ron Shirton, Financial Security Advisor

at 20 Corporate Park Drive, Suite 200 , L2S 3W2

Helping clients achieve their financial security planning goals.

Ron Shirton, Financial Security Advisor
20 Corporate Park Drive, Suite 200
Saint Catharines , ON L2S 3W2
Contact Phone
P: 1-888-209-3650 ext. 348


I believe helping clients achieve their goals takes careful planning. Throughout our lifetime, financial emergencies, health crises, and even premature death are possible, any of which could dramatically impact our lifestyle and goals. I want clients’ financial security plans to help them withstand these risks regardless of when they might occur. I work with clients to create a financial security plan that addresses their concerns in four key areas: financial security at death, living benefits, liquidity and retirement. Their financial security plan will be tailored to their needs, risk tolerance and the goals they want to achieve. The process I follow to create each financial security plan includes: Gaining a clear understanding of my clients’ goals and dreams Analyzing their situation and identifying gaps Building a financial security plan to help them achieve their short- and long-term goals Reviewing their financial security plan regularly to help ensure it continues to meet their changing needs

Opening time

  • Mondays: 08:00- 22:00
  • Tuesdays: 08:00- 22:00
  • Wednesdays: 08:00- 22:00
  • Thursdays: 08:00- 22:00
  • Fridays: 08:00- 22:00
  • Saturdays: 08:00- 22:00

TSFA VS RRSP? : If you’re saving for retirement, whether you sock money away in your RRSP or TFSA depends on your tax bracket now as compared to when you withdraw the funds. If you have a high income today, it makes most sense to use RRSPs first, since you get a juicy tax refund and you’ll eventually pay less when you withdraw money at a lower tax bracket. If your income is low today and you expect your tax bracket to be higher in retirement, then you’re better off with TFSAs, because your RRSP refund won’t be as large and you’ll avoid a larger tax hit down the road.

Published on 2014-07-30 03:42:44 MSK

"A man is not old until regrets takes the place of dreams."

Published on 2014-07-31 15:06:03 MSK

Mortgage insurance? The purpose of mortgage insurance is to pay off the mortgage when you die so your spouse and dependents aren’t left with it. One of the problems with mortgage insurance is the fact that the debt declines while the premium remains the same. On average, the cost of a term life insurance policy is typically lower than insuring your mortgage and can be found for a fraction of the cost. As with any form of insurance, reading the fine print is essential. With mortgage insurance, there can be post-claim underwriting that could work against you. This means that you could be declared uninsurable when you submit a claim. Term life insurance policy premiums are based on your health at the time the policy is purchased. You know that in the unfortunate situation where a claim does occur, it will be paid out.

Published on 2014-08-04 00:05:51 MSK

The greatest mistake you can make in life is to be continually fearing you will make one!

Published on 2014-08-04 05:31:58 MSK

Unbelievable mortgage rates, with our newly unveiled 5 yr fixed rate of 2.84%. Contact me today if you would like to take advantage of our industry leading mortgage rates!