Nick Wittek
Job title: Advisor, Sun Life
A Custom Plan First. The Right Tools When You Need Them.
Built Around You, Backed By Us.
We're not here to fit you into a box, we're here to build a blueprint around you.
Our team is made up of people who've built businesses, raised families and navigated the real-life messiness of money and planning. That's why we lead with strategy, not sales and focus on protecting what matters while helping you grow what's next.
We're not just advisors. We're your partners, thinking two steps ahead so you don't have to.
Who we service
Learn more
Entrepreneurs small
Families
Incorporated professionals
We Get It, Building Wealth and Protecting Your Legacy Isn't a One-Size-Fits-All Journey
That's why we work with entrepreneurs, families and professionals who want more than cookie cutter solutions. We listen, we strategize and we create plans that are as unique as the goals you're chasing. Whether it's safe guarding what you've built, growing what's next or designing a legacy that lasts, we're here to make the process simple, personal and most importantly built to last.
Products and services
Products That Fit - Not Force
We don't believe in pushing products, that's not our style.
Instead, we focus on building the right strategy, then bring in the right solutions to help support it. Whether it's protecting your family, reducing tax, investing smarter or securing your retirement, we've go the tools to help make it happen.
When a product makes sense, we'll explain why. When it doesn't, we won't recommend it. Simple as that.
We're not here to sell you something. We're here to build something that works.
Business owners
Life insurance products
Saving, budgeting and investing
Let’s Build Something Better—Together
You’ve been hustling for years, growing a business, raising a family, juggling it all while trying to make smart decisions for your future. Maybe you’ve had advice before. Maybe it felt rushed, surface-level, or too focused on selling a product instead of solving a problem.
That’s not how we do things.
We’re entrepreneurs and parents too. We’ve balanced payroll with playdates, spreadsheets with soccer practice. So when we sit down with you, we’re not here to pitch you, we’re here to build. Together.
Through our G.R.O.W. planning process, we take the pressure off and put strategy front and center. It’s designed to turn all the moving parts of your life: your income, your business, your family goals... into a plan that actually makes sense.
Here’s how we G.R.O.W. together:
GATHER
We start with a real conversation. We learn about your world, your goals, your stress points, your vision. This isn’t just data collection, it’s relationship building.
REFINE
Once we know where you’re headed, we help you cut through the noise and narrow in on what truly matters, so your financial strategy feels focused, not overwhelming.
OPTIMIZE
Now we design the plan. We align your dollars with your goals, helping to protect what you’ve built, grow what’s next, and minimize the drag of taxes and inefficiencies.
WEIGH-IN
Life changes. Business evolves. That’s why we stay connected, refining and adjusting the plan as you grow, not just when things go sideways.
This isn’t plug-and-play planning. It’s purpose-built advice for people who are serious about doing things right, for themselves and for the people they love.
Ready to stop winging it and start building with intention?
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Here are three core types of life insurance I walk clients through:
🔹 Term Insurance
Best for: Young families, business owners with debt, or anyone needing affordable coverage for a set period.
Why: It’s simple, cost-effective protection during the “what if” years when obligations are highest.
🔹 Whole Life Insurance
Best for: Professionals and families looking for permanent protection and stability.
Why: Provides lifelong coverage, guaranteed cash value, and estate planning benefits.
🔹 Participating Whole Life (PAR) Insurance
Best for: High-net-worth individuals and entrepreneurs who want protection that also grows with them.
Why: Provides lifetime coverage and the opportunity to participate in dividends, creating tax-advantaged growth and a tool for generational wealth transfer.
👉 The best plan isn’t just about choosing a product — it’s about matching the strategy to your family’s goals and your business reality.
Here are three core types of life insurance I walk clients through:
🔹 Term Insurance
Best for: Young families, business owners with debt, or anyone needing affordable coverage for a set period.
Why: It’s simple, cost-effective protection during the “what if” years when obligations are highest.
🔹 Whole Life Insurance
Best for: Professionals and families looking for permanent protection and stability.
Why: Provides lifelong coverage, guaranteed cash value, and estate planning benefits.
🔹 Participating Whole Life (PAR) Insurance
Best for: High-net-worth individuals and entrepreneurs who want protection that also grows with them.
Why: Provides lifetime coverage and the opportunity to participate in dividends, creating tax-advantaged growth and a tool for generational wealth transfer.
👉 The best plan isn’t just about choosing a product — it’s about matching the strategy to your family’s goals and your business reality.
Not investing.
Not scaling.
Not chasing the next opportunity.
The truth is, none of that matters if your foundation isn’t secure.
I’ve seen entrepreneurs build incredible businesses and professionals work decades to create wealth, only to see large portions of it lost due to injury, illness, death or poor planning.
The most successful families I work with don’t just think about today. They plan with the end in mind, building wealth backward from the legacy they want to leave.
👉 That’s how you ensure your family, your business, and your values last longer than you do.
If you’re curious about how Ontario’s most successful families structure their legacy, let’s start the conversation.
Not investing.
Not scaling.
Not chasing the next opportunity.
The truth is, none of that matters if your foundation isn’t secure.
I’ve seen entrepreneurs build incredible businesses and professionals work decades to create wealth, only to see large portions of it lost due to injury, illness, death or poor planning.
The most successful families I work with don’t just think about today. They plan with the end in mind, building wealth backward from the legacy they want to leave.
👉 That’s how you ensure your family, your business, and your values last longer than you do.
If you’re curious about how Ontario’s most successful families structure their legacy, let’s start the conversation.
When it comes to passing wealth from one generation to the next, tax efficiency isn’t automatic — it’s engineered.
Too often, I see entrepreneurs and families with significant assets but no coordinated plan. The result?
• More tax than necessary
• Less control over how wealth is passed down
• Missed opportunities to create lasting impact for future generations
A properly structured plan does more than grow wealth. It ensures wealth moves efficiently, privately, and intentionally — instead of being eroded by avoidable tax.
If you’re unsure whether your current plan is optimized, we offer a quiet second opinion. No pressure. No agenda. Just a clear view of whether your legacy is as secure — and tax-efficient — as it could be.
Let’s make sure every dollar you’ve earned stays working for your family.
Message me directly to schedule a confidential conversation.
When it comes to passing wealth from one generation to the next, tax efficiency isn’t automatic — it’s engineered.
Too often, I see entrepreneurs and families with significant assets but no coordinated plan. The result?
• More tax than necessary
• Less control over how wealth is passed down
• Missed opportunities to create lasting impact for future generations
A properly structured plan does more than grow wealth. It ensures wealth moves efficiently, privately, and intentionally — instead of being eroded by avoidable tax.
If you’re unsure whether your current plan is optimized, we offer a quiet second opinion. No pressure. No agenda. Just a clear view of whether your legacy is as secure — and tax-efficient — as it could be.
Let’s make sure every dollar you’ve earned stays working for your family.
Message me directly to schedule a confidential conversation.