Financial Planning in Kingston, Ontario

Kingston Financial Inc.

Our team of Financial Planners at Kingston Financial Inc. believes that all of our financial decisions in life, whether we realize it or not, revolve around our eventual retirement. Most of us do eventually want to retire. If retirement is on your mind, we can help you have a better retirement.

We work together as a team and will often discuss some of our more complicated cases together during our Partners’ Meetings. We all have different areas of expertise, different experiences, and different perspectives. We feel strongly that three sets of eyes on any given situation will very likely provide a better solution than one set of eyes would produce.

We help our clients get to retirement, we help our clients transition into retirement, and we help our clients make the most efficient use of their assets in retirement. While doing this, we prioritize protection: protecting you, protecting your family, and protecting your assets.

Do you want to have a good retirement, or do you want to have a great retirement?

Life is better with a plan!

Meet the Team:

Steve Syrett

Steve Syrett, CFP, CEA

Retirement Planner | Estate Planner
Kingston, Ontario

About Me

I arrived in Kingston in September 1988 to attend Queen’s University. A year or so later I was introduced to the woman of my dreams, who I now call my wife. After university, we decided to settle down in Kingston to start our family. We have lived in this region ever since.

I am a planner by nature and I enjoy helping my clients plan for their future in order to have a better retirement. I specialize in working with clients who are close to retirement, or have already retired. I help my clients who are close to retirement with that “last push” to build additional assets and prepare these assets for conversion from “savings” to “income.” I help my clients who are already retired make the best possible use of all of the assets at their disposal, and develop an Estate Plan in order to minimize taxes now, throughout retirement, and beyond.

I’ll make things easy for you – you just enjoy your retirement.

Click for my Back Story…

My journey into the financial services industry dates back to the late 1990s, where I had a front-row seat to the “Dot Com” financial situation, followed only eight years later by the “Sub-Prime Mortgage” financial event. Both of these events highlighted my fundamental investment philosophy: Adequate knowledge, proper diversification, and patience will be rewarded in the long term.

Over the years I have had a number of different roles, with a number of different companies, including a private investment company and a “Big Five” Canadian bank. Although I enjoyed and excelled at these positions, I ultimately reached a point in my life where I felt the need to explore the possibility of aligning myself with an organization that was more compatible with my client-focused tendencies and was more willing to place their clients’ interests ahead of pure corporate profits.

In 2014, I began the transition to Freedom 55 Financial – at the time the financial planning division of London Life. In 2019, our parent company – Great-West Life Financial – announced a merger of Great-West Life, London Life, and Canada Life. Freedom 55 Financial became the financial planning division of this combined company called “The Canada Life Assurance Company,” which manages more than $1 trillion of our Canadian clients’ assets.

Toward the end of 2022, Canada Life asked all of their Freedom 55 Financial advisors to “rebrand”, either as solo practitioners or as a financial services firm affiliated with Canada Life. After many discussions with a number of fellow advisors, I decided to partner with two other Freedom 55 Financial advisors, and we created our own firm called Kingston Financial Inc. We continue to be affiliated with The Canada Life Assurance Company, and our relationship with Canada Life has not changed. We are provided with a team of technical and administrative support to help us serve our clients as diligently as we always have. With support from this team, my partners and I have the freedom to base recommendations on what will best serve our clients, and we are given the flexibility to use a vast array of resources and financial partners to achieve this.

Qualifications and Education

As a financial professional conducting business in Ontario, I am required to maintain two different regulated licences. I am licenced with the Canadian Securities Administrators as well as the Financial Services Regulatory Authority of Ontario. I am also a member of FP Canada (part of the Financial Planning Canada Standards Council) and the Canadian Institute of Certified Executor Advisors.

Through the Advocis Continuing Education program, I completed four courses required for the Certified Financial Planner designation: Financial Planning Foundations, Taxation and Investment Planning, Retirement Income Planning, and Insurance and Estate Planning.

Through the FP Canada Institute Learning Platform, I completed the CFP Professional Education Program, as well as the six-hour exam required for the Certified Financial Planner (CFP) designation. The CFP designation is an internationally recognized professional certification mark for financial planners.

Through the Canadian Institute of Certified Executor Advisors, I completed the Certified Executor Advisor Program, as well as the exam required for the Certified Executor Advisor (CEA) designation.

These licences and designations have extensive Continuing Education requirements that help ensure I remain informed and up to date on all aspects of the financial services industry.

Volunteer Work

I have been actively volunteering for a number of animal rescue groups since early 2009, including Loyal Rescue, Great Dane Rescue, Lab Rescue, Kingston Humane Society, ElderDog Canada, and Dogs and Cats of the Dominican Republic, to mention a few. The volunteer work that I have done for these, and other, animal welfare groups over the years includes dog fostering, home inspections, dog transportation, adoption application processing, lost dog searches, and website technical support.

Contact Steve:

Phone: 613-777-5386 ext. 1

Email: Steve

Lynn Germain-Neocleous

Lynn Germain-Neocleous, PFP

Financial Planner
Kingston, Ontario

About Me

I have lived in Kingston since 1993, am married and have a blended family. My husband is a local retail owner, so running a family business is very familiar to me. I understand the intricacies, the dedication, and challenges small business owners often face and that they often don’t have a lot of time to think about their finances. Hint: my husband depends on my knowledge, and that of a good bookkeeper and accountant.

I provide business solutions to help protect the finances of businesses, and their owners, from unexpected loss of their key employees. I also help business owners attract and retain loyal employees with benefits solutions. My role is to help develop, and put in place, a plan that will allow you to feel at ease running your business, and planning for your and your business’ future.

If you would like help personally, please click on my Back Story below for my additional extensive experience.

Click for my Back Story…

I am a seasoned investment professional with more than 27 years of experience in the financial services industry. My knowledge extends beyond investments; I have a good deal of experience with mortgages, loans, and lines of credit and how best to manage debt while trying to establish savings patterns. I take the time to understand what is important to my clients, help them put sustainable strategies in place, and structure a plan to achieve their goals. The majority of my clients are those who are in a position to be serious about saving and investing but need that extra guidance and expertise to implement a solid plan to achieve the lifestyle they would like to have or maintain, most often to retire comfortably. I know that life can sometimes throw us a curveball and that accidents and mistakes happen. I work with my clients to ensure that they have the insurance protection they need in place to protect their family and their plans from these life interruptions so that they can manage the changes.

I am very happy to work with you to plan for your retirement, handle pension transfers, and make sure your insurance needs are covered, all while considering your budget and being tax conscious. If you are looking for honest, straightforward advice and are ready to engage in a meaningful way, please contact me.

Contact Lynn:

Phone: 613-777-5386 ext. 2
Cell: 613-583-3603

Email: Lynn

Nick Coulter

Nicholas Coulter, BBA

Financial Security Advisor
Kingston, Ontario

About Me

I have lived in Kingston my entire life, attending college at St. Lawrence College and university through Laurentian University at St. Lawrence College. While at St. Lawrence, I worked for Investors Group alongside several advisors in the company and developed an understanding for the value of financial planning.

Armed with this knowledge, I began helping my own family and friends. Seeing the value this brought to them I launched my career providing financial advice as a Financial Advisor for Freedom 55 Financial. Most important, I learned that no advisor truly works alone, and that is why I work with my two business partners and a strong team of experts to support me and my clients with trusted and proven expertise. My team of trusted experts and I have skills ranging from mortgage options to investment management, insurance planning, and estate planning.

Click for my My Back Story…

I have been working in the financial industry since 2016. My expertise ranges from investment management to full financial planning for individual, family, or business needs. In working with you I want to learn what is important to you. I take the time to create a unique plan for your personal situation and craft the best way to implement that plan to achieve your personal goals. My clients are those who want to build their financial future and who want to invest in their plan to be successful, while also preparing for the challenges life throws their way.

From preparing to purchase your first home, saving or planning for retirement, or protecting your financial future, it would be my pleasure to work with you in achieving your financial goals no matter what they are. I strive to provide advice that keeps your goals at the forefront while being honest, straightforward, prepared, and well informed.

Contact Nick:

Phone: 613-777-5386 ext. 3

Email: Nick

Agent or Broker?

Financial Advisors working at a bank are “agents” of those financial institutions. Two of the partners at Kingston Financial Inc. have worked at banks in the past, and those jobs demanded we do as much business as possible with our clients using financial products from that bank only. If we were aware of a product or service at another company that would be better for our client, we we unable to utilize it.

All of the Financial Planners at Kingston Financial Inc. are brokers. This permits us to partner with as many different financial companies as we choose. No single company can possibly be all things to all people. Every financial company has a specialty, and it’s our responsibility to ensure that we are matching our clients’ specific needs to the best possible company for those needs.

Our primary responsibility is to our clients, not to the companies that we represent. We take this responsibility very seriously and have taken great care to align ourselves with companies that support us with this philosophy.