Keep more of what you have earned, turn savings into reliable retirement income, and pass your estate on with as little tax and delay as possible. Independent, LLQP-licensed guidance for Kitchener-Waterloo families and business owners for over 30 years.
Building wealth is one job; protecting it and passing it on efficiently is another. At Glenn Stewart Insurance, we help Kitchener-Waterloo families and business owners plan the wealth side of their financial lives. As an independent, LLQP-licensed insurance broker in Kitchener, we bring together the right insurance-based tools from 20+ top Canadian carriers, with no captive-agent sales pressure.
For most Kitchener-Waterloo families, it comes down to a few connected goals:
We coordinate with your accountant or lawyer where a full estate plan calls for it.
Investment funds through insurers with maturity and death-benefit guarantees, potential creditor protection, and estate bypass, so proceeds pass directly to a named beneficiary and skip probate.
Convert a lump sum into a guaranteed income stream, often for life. A predictable paycheque that does not depend on the markets, so you do not outlive your savings.
One of the most efficient estate-transfer tools in Canada. The tax-free death benefit covers estate taxes, equalizes an inheritance, or leaves a legacy. See our life insurance options.
A complete plan makes the most of registered accounts first (tax-deferred, tax-free, and education savings), then layers insurance-based tools on top for tax-efficient growth and transfer.
Buy-sell agreements, key-person coverage, and corporate-owned permanent life insurance help your Kitchener-Waterloo business transition smoothly, cover taxes, and treat your family fairly.
Working with an independent, LLQP-licensed broker serving Kitchener-Waterloo, Cambridge, Guelph, and Brantford for 30+ years looks like this:
You pay nothing for a consultation. Where products are involved, carriers pay us commission, and it is the same whether you buy through us or direct.
Wealth planning focuses on growing and protecting your money and generating retirement income. Estate planning focuses on transferring what you have to the next generation efficiently. They overlap, and a good plan handles both.
The tax-free death benefit provides cash exactly when your estate needs it, to cover taxes, equalize an inheritance, or leave a legacy, without forcing your family to sell assets.
Investment funds offered through insurers that add guarantees, potential creditor protection, and the ability to pass to a named beneficiary outside probate. They combine market growth with insurance features.
We use insurance-based tools that transfer wealth tax-efficiently and coordinate with your accountant and lawyer on the broader plan. We complement your tax and legal advisors, we do not replace them.
For wills, powers of attorney, and complex estates, yes. We handle the insurance and wealth-product side and work alongside your legal and tax professionals so the whole plan fits together.
No. Estate planning matters at every level. Protecting a home, covering final taxes, and passing on savings efficiently are goals for ordinary Kitchener-Waterloo families, not just the wealthy.
Book a free, no-pressure conversation about your wealth and estate goals. Glenn will walk you through the options and coordinate a plan that fits, usually getting back to you within 24 hours.
Book a Free Consultation →If you’re heading south for more than a few weeks, see our complete guide to snowbird travel insurance in Canada, extended-stay medical, pre-existing condition rules, OHIP residency, and cost ranges for 3-6 month trips.
Independent broker service extends across the Region of Waterloo and surrounding cities. Same LLQP-licensed advice, same 20+ carrier market, same 30+ years of judgment.
Central-city, Doon, Stanley Park, Forest Heights households and downtown professionals.
Tech professionals, UW and Laurier faculty, Uptown households, Laurelwood, Beechwood, Lakeshore families.
Galt, Preston, and Hespeler households. Trades, small manufacturers, multi-generational families.
University of Guelph and OVC staff, Wyndham independents, agri and equestrian households.
GTA commuters, Wilfrid Laurier city, Empire and West Brant families.
McMaster, hospital staff, Dundas, Ancaster, Stoney Creek, and Waterdown households.
