Our actions are driven by trust, reliability, empathy, prudence, and innovation. We are committed to contributing positively to the quality of our clients’ lives, and their financial future. With respect and confidentiality, we will give priority to your goals and concerns and work exclusively for your benefit.
Financial Advisor | MANULIFE WEALTH INC.
Life Insurance Advisor | Manulife Wealth Insurance Services Inc.
Ian McGuire is a
Financial and Life Insurance Advisor who blends deep community roots with executive-level insight to help successful individuals and families secure, grow, and protect their financial legacy.
Born and raised locally, Ian’s early years working alongside his father and uncles on the family farm instilled a strong work ethic and lasting values—discipline, integrity, and long-term stewardship—that continue to guide his approach to client relationships today.
Before entering the financial services industry,
His transition into advising came at the personal invitation of respected advisor Ron Snow, who hand-selected and mentored Ian as his successor—a testament to Ian’s professionalism, character, and dedication to client care.
Ian brings a well-rounded perspective to his practice, holding a Master of Theological Studies from Heritage College and Seminary, a Bachelor of Education from the University of Western Ontario, and an Honours Bachelor of Arts from the University of Guelph. His academic and professional journey reflects a lifelong commitment to thoughtful decision-making, clear communication, and continuous learning.
A proud family man, Ian lives in the same community he serves and sits on the boards of
a local charity—demonstrating his passion for giving back and his deep investment in the well-being of others. Ian offers more than financial advice—he delivers the insight, care, and personalized guidance discerning clients deserve.
If you’re looking for a trusted partner to help you protect your wealth, plan your legacy, and make confident financial decisions—book a confidential consultation with Ian McGuire today and discover the difference of relationship-driven, results-focused advice.
Step 1: Establishing and defining the client-advisor relationship
We explain or document the services to be provided and define the responsibilities along with the responsibilities of the client. The advisor and client should agree on how long the relationship will last and on how decisions will be made.
Step 2: Gathering client data and determining goals and expectations
We will ask about your financial situation, personal and financial goals and attitude about risk. We then gather all necessary documents at this stage before giving you any sound advice.
Step 3: Analyzing and evaluating the client's financial status
We analyze the information to assess your current situation to determine what must be done to achieve your goals. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.
Step 4: Developing and presenting the financial strategy recommendations and/or alternatives
We will offer educated recommendations that address your goals, based on the information you have provided. We review our professional recommendations with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.
Step 5: Implementing the financial strategy recommendations
We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as a "coach", coordinating the process with you and other professionals such as attorneys or stockbrokers.
Step 6: Monitoring the financial strategy recommendations
Together we will agree upon who, and how, we will monitor your progress towards your financial goals. We report to you periodically to review the financial situation and adjust any recommendations as needed. As our client, we will always keep you informed and knowledgeable when it comes to your financial strategy and situation.
Services & Solutions
IT ALL STARTS WITH A PLAN
The value of advice
Your financial world is constantly changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future.
We can help you discover the importance of a sound financial plan and create a roadmap to help you achieve your goals.
It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice and expertise for solutions tailored to your needs, including:
Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise in solutions such as:
Registered retirement plans (RRSP, RRIF)
Locked-in retirement account (LIRA)
Registered education savings plan (RESP)
Tax-free savings account (TFSA)
Investor profiling
Risk tolerance analysis
Estate Planning
By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, insurance, trusts, tax strategies, and charitable gifts.
Transferring wealth across generations
Minimize probate & estate taxes on transfer of wealth
To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in your future income stream. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning.
Comprehensive retirement planning
Goal setting and asset allocation
Retirement income projection
Pension, CPP and OAS analysis
RIFs and annuities
Group and Business Solutions
Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, some of these could include:
Group benefits & Group retirement
Group pension
Competitive employee benefits
Business and key-person insurance
Business risk management, income and tax analysis
Corporation/Holding Company investment mgmt.
Banking Solutions
Banking today is about instant access – whether you’re paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your financial goals.
What are annuities? An annuity is a contract that pays a set monthly income for a set period of time. With annuities, you make a lump sum investment to an insurance company and create a stream of income for yourself in the form of monthly payments.
How do annuities work? When you purchase an annuity you purchase a guaranteed income that allows you to:
Receive a monthly stream of income following the purchase of the annuity, defer it for a set period of time or save it for your retirement
Select the period of time you wish to receive the income for: a set period of time or for your lifetime
Choose fixed or variable monthly payments, depending on your risk tolerance
The amount you receive monthly depends on how much you purchase and the interest rates. Your advisor can explain how interest rates affect your monthly payment and the different ways annuities are structured.
What are bonds? A bond is an interest-paying investment. Companies and governments issue bonds to fund operations, innovate and grow.
How do bonds work? When you purchase a bond you become a lender - loaning money to a corporation or government entity, that promises to pay you interest for a certain period of time. The frequency and amount of interest you are paid depends on the terms of the bond:
Long-term bonds usually pay higher interest
Interest payments are typically paid semi-annually, annually, quarterly or monthly
Your advisor can help you learn about the different types of bonds available and how they work
What is a GIC? A GIC is an investment issued by a financial institution such as a bank or credit union. When you purchase a GIC, you are lending the financial institution money for a pre-determined period of time, and the financial institution is promising to pay you back that money plus interest at the end of the period. Financial institutions usually offer many different types of GICs, including GICs that pay a floating rate of interest, GICs that pay interest monthly, quarterly or annually (instead of at the end of the period), and even GICs that pay interest that is tied to the performance of a stock market index. In addition, while an investment in most GICs is locked in for the length of the investment period, some GICs are redeemable before maturity.
How do GICs work? A GIC allows you to earn interest on your money for a pre-determined period of time – ranging from six months to 10 years. However, if a GIC is issued in Canadian dollars and has a term of 5 years or less it may be eligible for deposit insurance from the Canadian Deposit Insurance Corporation.
What is life insurance? Life insurance is a policy between you and an insurer that allows you to protect your assets, survivors and dependents from the financial burden of your death.
How does life insurance work? If you have a life insurance policy, upon your death, your beneficiaries will receive a guaranteed payment of the value of your policy - to help them cover your funeral costs, manage debts and assist with supplementing your loss of income. The type of benefit your beneficiaries receive depends on:
Coverage - The amount of life insurance you purchase is the amount that your beneficiaries will receive, upon your death. Life insurance benefit payments are tax-free.
To help you determine how much coverage you need you should consider:
Financial needs - Your standard of living, your assets and liabilities, and how much money will be required to ensure your beneficiaries live a comfortable life when you are gone.
Premiums - A premium is the amount you pay, usually on a monthly basis, for your life insurance coverage. Your premium is determined by the value of the policy and the duration of coverage, e.g., one, five, ten, 20 years or life.
Type - There are two main categories of life insurance: term insurance and permanent insurance (including whole life and universal life).
What is term life insurance? Whether you are looking to protect your family or your business, Term life insurance offers affordable and flexible protection you can customize to meet your temporary and growing needs.
The period (or term) of the coverage can be either a fixed number of years or to a set age (e.g. age 65).
How does term life insurance work? Term life insurance generally offers:
Short-term coverage for a fixed period of time, often one, five, ten or 20 years, or to age 60 or 65
Structured premium options, based on the type of term life policy and the term
Lower premiums than permanent life insurance policies, partly because term policies do not offer cash value or other forfeiting values
If you have a term life policy, and die during the term of your policy, your beneficiaries receive a:
Death benefit - The proceeds of your coverage, in a lump sum payment, which are tax-free
What are mutual funds? Mutual funds are pools of money contributed by investors with similar investment goals and managed by investment professionals. Mutual funds invest in different securities depending on the investment objective of the fund. For instance, some mutual funds invest in bonds and some invest in stocks, while others invest in both bonds and stocks.
The period (or term) of the coverage can be either a fixed number of years or to a set age (e.g. age 65).
How do mutual funds work? Mutual fund investing offers four main advantages over individual investing:
Professional full-time investment management, to choose and monitor securities
Diversification to reduce the risk of “putting all your eggs in one basket”
Liquidity that allows you to buy and sell mutual funds at any time
Convenience due to the mutual fund manager keeping all records and providing regular reports on your investments and the appropriate tax forms
What is a Registered Retirement Savings Plan? An RRSP is a retirement plan that is registered with the Canada Revenue Agency (CRA) and that you or your spouse make contributions to. Because deductible contributions can be used to reduce your tax and because income or growth earned in the plan is usually exempt from tax while the funds remain in the plan, an RRSP acts like a tax shelter that provides you with a powerful incentive to save money for your retirement years.
How does a Registered Retirement Savings Plan work? An RRSP is generally available to you if you have qualifying income. Once you contribute funds into an RRSP, any growth or income earned on the underlying investment will not be taxed until you withdraw that money. In addition, you can claim deductions for contributions you make to your RRSP.
You can contribute to an RRSP at any time. However, for contributions to be tax-deductible for any given year, they must be made on or before the 60th day of the next calendar year. This date typically falls on or about March 1.
Annual contributions to an RRSP are generally limited to your annual contribution limit. Unused deduction room from previous years can be carried forward. You can find your unused RRSP deduction room on your Notice of Assessment from the prior calendar year.
What is a Registered Retirement Income Fund? A RRIF is a retirement income plan that is registered with the Canada Revenue Agency (CRA) and that receives cash and qualified investments from a Registered Retirement Savings Plan (RRSP). Income and growth on investments in a RRIF are tax free. However, a prescribed minimum amount must be withdrawn from a RRIF each year and all amounts withdrawn are taxable as income in the year of withdrawal.
How does a RRIF work? You can continue to own and maintain the tax shelter on investments in an RRSP after the RRSP matures by transferring those assets to a RRIF. This must happen no later than the end of the year in which you turn 71.
A minimum amount prescribed by the government must be withdrawn from a RRIF each year. As you age, the minimum amount increases as a percentage of the value of the RRIF.
While there is a minimum withdrawal amount, there is no limit to the amount of the withdrawal up to the value of the RRIF. Withholding tax will be held back on certain withdrawals, but do count as tax payable in the year of withdrawal.
What are segregated funds? A pool of investments held by the life insurance company and managed separately (i.e. segregated) from its other investments. If you buy a variable insurance contract, sometimes called a segregated fund policy, the value of your policy varies according to the market value of the assets in the segregated funds.
How do segregated funds work? Unlike mutual funds, segregated funds are structured as an insurance product. Investing in segregated funds provides many insurance backed benefits such as:
Maturity guarantee—upon maturity, 75% to 100% of your investment is guaranteed back to you.
Guaranteed death benefit—your beneficiary is paid a guaranteed amount of money upon your death, even if the value of the asset, at the time of your death, is less than the guaranteed amount.
Creditor protection—your investment may be protected from creditors.
What are stocks? Stocks represent a share or partial ownership in a company. A company sells its stock, typically through the stock market, to help grow and improve its business operations.
How do stocks work? When you purchase a company’s stock, you buy a share in the company and gain partial ownership of that company. As a shareholder you have a right to:
Receive cash payments for any dividends the company pays on your stocks.
Receive a portion of the proceeds if the company is bought by another company.
Your advisor can help you understand both the growth potential and risks associated with stocks.
What is a TFSA? A Tax-Free Savings Account is a flexible, general-purpose savings vehicle that allows you to make contributions each year and to withdraw funds at any time in the future.
How does a TFSA work? A TFSA provides you with a powerful incentive to save by allowing the investment growth to accumulate and be withdrawn tax free. However, unlike an RRSP, you cannot claim a tax deduction for contributions you make to a TFSA.
Starting in 2009, all Canadian residents who are 18 years of age or older can contribute a legislated dollar maximum per year a TFSA. If you do not contribute or do not contribute the full amount, the unused amount will carry forward indefinitely.
Also, if you withdraw money from your TFSA, the amount withdrawn will be added to your contribution room in the next calendar year.
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