Harmony Financial Services

Independent Financial Advice


Helping achieve your financial goals through Financial Advice


We provide strategies to help families to accumulate and protect your wealth.


Strategies to help increase your personal cash flow, keep key employees and protect your business.

Latest News from Harmony Financial Services

Steps to Avoid the OAS Clawback

Mar 01, 2019

According to the Canadian government website, Old Age Security is the largest pension program in Canada. OAS pays a monthly income to seniors who are age 65 and over. The amount of the payment is not based on past income but rather how long you resided in Canada after the age of 18. If you have turned 65 you are eligible for the maximum OAS income if you have resided in Canada for at least 40 years after turning 18 AND have resided in Canada for at least 10 years prior to receiving approval for your OAS pension. There are some exceptions for those who don’t fully qualify based on temporary absences during that requisite 10-year period.

Life Insurance – Do You Buy, Rent, or Borrow?

Feb 01, 2019

Without a doubt, life insurance is valuable protection provided by your employee benefit plan, but should it be the only life insurance coverage you have? Probably not, if you want to ensure you have sufficient long term protection to cover all your family’s financial needs should you die unexpectedly.

Private Health Spending Plans for the Owner/Operator Business

Jan 01, 2019

Individuals who have incorporated their business such as consultants, contractors and professionals often find that providing affordable health and dental care coverage for themselves and their families can be an expensive proposition.

Canada Pension Plan – Should You Take it Early?

Dec 02, 2018

New Rules governing the Canada Pension Plan took full effect in 2016. Under these rules, the earliest you can take your CPP Pension is age 60, the latest is 70. The standard question regarding CPP remains the same – should I take it early or wait?

Working with Gayle

  • Honest, reliable, up-to-date thinking, very accessible with professional positive results. I highly recommend her services.

    Wanda Buchanan
  • Gayle has been our financial advisor for a number of years.  She has earned our respect and trust.  After having determined our needs and expectations, she manages our portfolio without interference.  Her decisions are spot on.  We highly recommend her services.

    Theresa and Dennis Penner
  • We have used Gayle as our financial planner for over 3 years. We find her to be very organized and thoroughly prepared for our sessions. She is excellent with documentation of our appointments and follow up. She is helping us work towards OUR OWN goals with knowledge and professionalism.

    Brian and Melody Kibank
  • Dennis and I are completely satisfied with Gayle as our financial advisor. One thing that impresses us is her patience with all our questions. Neither my husband or myself are knowledgeable on any of these financial details and Gayle has always taken extra time to fully explain everything to us. Her suggestions have proven to be good choices. We would highly recommend her to any future client.

    Dennis and Arlene Ostrosser
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