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Financial Planners in Kitchener, ON: 2026 rankings

130 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Kitchener: JCMortgages.ca FSRA #13637, RFA Score 79/100; 5.0★ from 595 Google reviews.

  2. 33

    Most-reviewed: Scotiabank, 203 Google reviews at 3.1★, the most of 130 ranked after JCMortgages.ca FSRA #13637; ranked #33.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

130 Kitchener financial planners are ranked here by RFA Score, from eight published factors. 28 open Saturdays and 5 open Sundays, based on posted hours. The median Google rating is 4.6★ across 130 rated firms.

Top 10 financial planners in Kitchener at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial planners in Kitchener at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1JCMortgages.ca FSRA #13637795.0★ (595)Kitchener—Top score
2Co-operators - BENNETT FINANCIAL SERVICES INC.735.0★ (148)Cambridge, 16 km away——
3Mortgage Architects Bennett Capital Group725.0★ (67)KitchenerSat · Sun · Evenings—
4Co-operators - Jeff Lyle Insurance Group Inc704.7★ (91)Waterloo, 9 km away——
5Co-operators - Richard Van Dyke Insurance Group Inc704.9★ (140)Guelph, 28 km away——
6Independent Financial Strategies695.0★ (68)Cambridge, 16 km awaySat · Evenings—
7Insurance Town Wealth Inc.695.0★ (35)Kitchener——
8Green Private Wealth695.0★ (161)Woodstock, 37 km away——
9LSP Canada684.8★ (32)KitchenerEvenings—
10Ledgers (Kitchener)684.9★ (28)KitchenerEvenings—

All 130 financial planners in Kitchener, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  8. #8 Green Private Wealth

    Based in Woodstock, 37 km away

    69/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 161 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 161 Google reviews
    Hours
    Mon–Thu 8:30 AM–5 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    112 Springbank Ave, Woodstock, ON N4S 7P8
    View profile for Green Private Wealth(888) 539-8212

  9. #9 LSP Canada

    Based in Kitchener

    68/100RFA Score

    Ranked #9 because of its Google rating and specialty focus: 4.8★ from 32 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 32 Google reviews
    Hours
    Mon 10 AM–7 PM · Tue 10 AM–8 PM · Wed–Thu closed · Fri 10 AM–7 PM · Sat–Sun closed
    Address
    825 Weber St E #8, Kitchener, ON N2H 1H5
    View profile for LSP Canada(519) 900-1280

  10. #10 Ledgers (Kitchener)

    Based in Kitchener

    68/100RFA Score

    Ranked #10 because of its Google rating and specialty focus: 4.9★ from 28 Google reviews, listed on Google as “Financial planner”.

    • 4.9★ from 28 Google reviews
    Hours
    Mon–Fri 10 AM–6:30 PM · Sat–Sun closed
    Address
    737 Belmont Ave W Ste 3, Kitchener, ON N2M 1P3
    View profile for Ledgers (Kitchener)(519) 781-8291

  11. #11 Arete Financial

    Based in Cambridge, 15 km away

    68/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 49 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 49 Google reviews
    Hours
    Mon–Thu 9 AM–5 PM · Fri 9 AM–4 PM · Sat–Sun closed
    Address
    310 Queen St W, Cambridge, ON N3C 1G7
    View profile for Arete Financial(519) 651-2572

  14. #14 Gillespie Financial

    Based in Cambridge, 16 km away

    67/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 5.0★ from 40 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 40 Google reviews
    Hours
    Mon–Fri 9 AM–5 PM · Sat–Sun closed
    Address
    240 Holiday Inn Dr Unit Z, 2nd Floor, Cambridge, ON N3C 3X4
    View profile for Gillespie Financial(519) 620-1224

Financial planners ranked #26 to #50

#1 to #25 are shown in full above. Here are #26 to #50, in RFA Score order; each links to its profile. We publish the top 50 of 130 ranked financial planners here; the rest are on their profiles.

financial planners in Kitchener, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Legaci Financial Solutions Inc.655.0★ (11)In Kitchener
27Tiphereth Straker Mortgage Agent - Heart & Soul Mortgages655.0★ (10)In Kitchener
28Co-operators - Rick Kent Insurance Inc654.4★ (39)18 km
29Lake Life Financial Solutions Inc655.0★ (13)6 km
30KLT Wealth Management655.0★ (21)17 km
31BMO Bank of Montreal653.5★ (42)In Kitchener
32Hexavision Enterprise645.0★ (23)22 km
33Scotiabank643.1★ (203)In Kitchener
34Co-operators - James W A Morris Insurance Group Inc644.4★ (28)17 km
35Glenn Stewart insurance644.9★ (7)In Kitchener
36Primerica644.5★ (8)In Kitchener
37Shaughnessy Financial - Gary Shaughnessy644.7★ (13)9 km
38Noble Wealth Financial Inc.645.0★ (6)In Kitchener
39Millen Wealth Advisors635.0★ (19)23 km
40Arca Financial Group Inc.635.0★ (10)10 km
41BMO Bank of Montreal633.1★ (38)In Kitchener
42LuminWay Financial634.8★ (23)25 km
43Sahil Garg - TD Financial Planner635.0★ (5)In Kitchener
44BMO Bank of Montreal633.0★ (86)In Kitchener
45BMO Bank of Montreal633.8★ (49)19 km
46VFG Wealth (Formerly Vancea Financial Group)634.9★ (35)37 km
47Co-operators - Brian Perry Insurance Incorporated633.7★ (41)15 km
48Liana Carvalho, Financial Planner and President Lucerna Financial Services Inc - Sun Life635.0★ (8)9 km
49Co-operators633.2★ (33)5 km
50TIER One Planning634.9★ (17)23 km

Also serving Kitchener

20 more financial planners within 40 km that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Kitchener
BusinessGoogle ratingDistance
4 Pillars Consulting4.3★ (6)In Kitchener
Ahmet Jakupi Financial Solutions Inc5.0★ (5)In Kitchener
Ali Ghavidel5.0★ (24)In Kitchener
Asage Financial5.0★ (5)In Kitchener
Brightside Wealth5.0★ (19)In Kitchener
Carrie Pryce Financial Services5.0★ (18)In Kitchener
Eau Claire Partners Inc5.0★ (116)In Kitchener
Howlett Financial Partners5.0★ (12)In Kitchener
IG Private Wealth Management - Vassalo and Associates5.0★ (8)In Kitchener
IG Wealth Management4.3★ (8)In Kitchener
Johnston & Associates Private Wealth5.0★ (5)In Kitchener
Justin Labrie - Advisor, Sun Life5.0★ (12)In Kitchener
Kindred Credit Union4.4★ (20)In Kitchener
Martin Christopher Investments4.8★ (27)In Kitchener
MNP Debt - Licensed Insolvency Trustees Bankruptcy & Consumer Proposals4.9★ (46)In Kitchener
Rhea Pradeep - Advisor, Sun Life5.0★ (15)In Kitchener
Sun Life Financial Kitchener1.7★ (19)In Kitchener
Team RV Financial Consultants5.0★ (9)In Kitchener
The Mortgage Centre KW4.9★ (123)In Kitchener
WhiteWater Financial4.8★ (20)In Kitchener

How we ranked Kitchener financial planners

We scored 130 Kitchener financial planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Kitchener data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial planner

  1. Confirm the financial planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial planner

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial planner?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial planners in Kitchener: frequently asked questions

Which financial planner has the highest RFA Score in Kitchener?

By RFA Score, the highest-ranked financial planner in Kitchener, ON is JCMortgages.ca FSRA #13637 with an RFA Score of 79/100. It has 5.0★ from 595 Google reviews. Co-operators - BENNETT FINANCIAL SERVICES INC. (#2) and Mortgage Architects Bennett Capital Group (#3) follow. We ranked 130 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Kitchener?

RankedFinancialAdvisors ranks 130 financial planners serving Kitchener, ON. 20 of them are based in Kitchener; the rest serve it from nearby towns. Another 20 within 40 km are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Kitchener work on weekends?

28 of 130 ranked financial planners post Saturday hours and 5 post Sunday hours. The highest-ranked open Saturdays are Mortgage Architects Bennett Capital Group (#3), Independent Financial Strategies (#6) and David Pipe - Mortgages, Life Insurance, Investments - WealthTrack (#13). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Kitchener financial planners have?

The median Google rating among 130 rated financial planners in Kitchener is 4.6★, with a median of 23 reviews. JCMortgages.ca FSRA #13637 has the most, 595 reviews, and ranks #1. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial planners outside Kitchener count in this ranking?

Yes, if they are within 40 km of the Kitchener city centre, our service radius for financial planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial planners pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Kitchener ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial planner’s registration?

Search the person and the firm on the Canadian Securities Administrators’ National Registration Search, and for investment and mutual fund dealer representatives on CIRO AdvisorReport.

Who regulates financial planners in Kitchener?

Advisors who sell or recommend securities register with the provincial securities regulator, and representatives of investment and mutual fund dealers are also overseen by CIRO. In Ontario, the titles “Financial Planner” and “Financial Advisor” are restricted to people holding a credential approved by FSRA.

How much do financial planners charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Kitchener

  1. November 2026: RFA Scores recalculated for 130 financial planners serving Kitchener.

More financial planners and Kitchener pages