Schedule your consultation | Santos & Associates

Your Trusted Personal Financial Planners Across Ontario

You've dedicated your career to serving others as a healthcare professional, educator, police officer, or firefighter. Now it's time to ensure your financial future is as secure as the service you provide.

Santos & Associates is a team of full-service financial planners specializing in retirement planning, tax planning, investment and wealth management for professionals and business owners across Ontario. Based in Newmarket and serving clients throughout the Greater Toronto Area, York Region, Durham Region, Peel Region, Simcoe County, Barrie, Markham, and the Kawarthas. We help Canadians build, protect, and enjoy their wealth with confidence.

With over 30 years of combined experience advising teachers, police officers, firefighters, hospital workers, and healthcare professionals across Ontario, we have a comprehensive understanding of government and union pensions. Our retirement planning advice is specifically tailored to aid you and your family in making informed decisions on how to manage your pension options, whether you work in Toronto, Durham Region, or anywhere in the province.

Comprehensive Financial Planning Services Across Ontario

Retirement Planning

As experienced retirement advisors serving the GTA, York Region, Durham, and beyond, we create personalized retirement investment strategies that complement your pension benefits and enhance your confidence when making retirement decisions. Our financial planning for retirement includes income projections, pension review and tax efficient withdrawal strategies.

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Pension Planning Experience for Ontario Public Sector Employees

We have extensive knowledge when working with individuals who are members of pensions such as OMERS, OTPP, OPSEU, HOOPP, CATT and other public-sector pension programs throughout Ontario. Our pension planning services help you understand your benefits, coordinate employer pensions with personal savings, and optimize your retirement income, whether you're in Toronto, Markham, Barrie, or across the Durham and Peel regions.

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Investment Planning & Wealth Management

Our investment and wealth management approach builds diversified portfolios aligned with your goals, risk tolerance, and timeline. We serve clients across the Greater Toronto Area, York Region, Simcoe County, and throughout Ontario with ongoing portfolio management and regular reviews to keep your investments on track.

Tax Planning & Wealth Management

We help you make the most of tax-advantaged accounts like RRSPs and TFSAs and build tax-efficient investment strategies—always in coordination with your accountant or tax professional for formal tax advice. Our goal is to reduce your overall tax burden while supporting long-term financial security for clients across Ontario.

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Wealth Management & Estate Planning

Our wealth management estate planning services ensure we work to guide you to align your goals for generational wealth transfer as effectively and efficiently as possible, depending on your situation. We work closely with your independent legal and tax advisors—or can refer you to trusted professionals—to help implement estate planning strategies that fit your goals. We communicate with legal advisors across the GTA, York Region, Durham, Peel, and beyond to create comprehensive wealth estate planning solutions.

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Insurance Planning & Protection

Your ability to provide for your family is your biggest asset. Protecting your family's financial future requires life, disability, and critical illness insurance planning tailored to your needs. We analyze coverage gaps and recommend solutions that work within your budget.

^{Insurance products and services distributed through I.G. Insurance Services Inc. Insurance license sponsored by The Canada Life Assurance Company.}

Financial Plan for Business Owners

If you operate a professional practice or business in Toronto, Markham, Barrie, or anywhere across Ontario, we provide dedicated financial planning support for business owners, including succession planning, tax-efficient compensation strategy, and wealth extraction planning—working alongside your accountant and legal counsel on the corporate and tax structuring itself.