Nick Wittek
Job title: Advisor, Sun Life
Area(s) served: Ontario, Canada
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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OnePlan takes everything, your income, assets, retirement goals, and lifestyle plans and creates a step-by-step path to get you from today to retirement in the most tax efficient way.
It doesn’t stop there. OnePlan also shows you how to spend strategically so your money lasts and your legacy stays intact.
Wealth and legacy don’t happen by accident, they happen by strategy.
Comment WEALTH to start building yours.
#RetirementPlanning #WealthStrategy #LegacyPlanning #FinancialFreedom #TaxEfficient #BuildWithPurpose
OnePlan takes everything, your income, assets, retirement goals, and lifestyle plans and creates a step-by-step path to get you from today to retirement in the most tax efficient way.
It doesn’t stop there. OnePlan also shows you how to spend strategically so your money lasts and your legacy stays intact.
Wealth and legacy don’t happen by accident, they happen by strategy.
Comment WEALTH to start building yours.
#RetirementPlanning #WealthStrategy #LegacyPlanning #FinancialFreedom #TaxEfficient #BuildWithPurpose
When I talk to business owners about their financial strategy, one thing comes up again and again:
They’ve heard of the TFSA, but most think it’s just a place to stash a bit of extra cash.
The truth?
It’s one of the most powerful and flexible wealth-building tools available — especially when you understand how to use it strategically.
Think of your TFSA like a bucket that never leaks.
You fill it with after-tax dollars.
Those dollars grow — through investments like stocks, ETFs, or mutual funds — and none of that growth is ever taxed.
When you need the money, you can take it out freely, no penalties, no restrictions.
That kind of flexibility is rare.
It means you can use it to support your business cash flow, fund a big goal, or quietly build long-term wealth in the background.
The secret isn’t how much you start with — it’s how consistently you fill the bucket, and where you choose to pour from it when it’s full.
Because wealth doesn’t happen by accident.
It happens by strategy.
💬 Comment WEALTH to start building yours.
When I talk to business owners about their financial strategy, one thing comes up again and again:
They’ve heard of the TFSA, but most think it’s just a place to stash a bit of extra cash.
The truth?
It’s one of the most powerful and flexible wealth-building tools available — especially when you understand how to use it strategically.
Think of your TFSA like a bucket that never leaks.
You fill it with after-tax dollars.
Those dollars grow — through investments like stocks, ETFs, or mutual funds — and none of that growth is ever taxed.
When you need the money, you can take it out freely, no penalties, no restrictions.
That kind of flexibility is rare.
It means you can use it to support your business cash flow, fund a big goal, or quietly build long-term wealth in the background.
The secret isn’t how much you start with — it’s how consistently you fill the bucket, and where you choose to pour from it when it’s full.
Because wealth doesn’t happen by accident.
It happens by strategy.
💬 Comment WEALTH to start building yours.
Most people see RRSPs as the golden ticket for retirement savings… and they can be.
But here’s what many forget — at some point, you have to stop filling the bucket and start turning the tap on.
✅ Contributions help reduce taxable income today
✅ Growth happens tax-deferred
🚰 Withdrawals are taxed as income — and by age 71, the government requires you to start drawing down
RRSPs work best when you understand how (and when) to use them.
It’s not just about saving into the right bucket — it’s about knowing when and how to take it out.
If you’re building toward retirement, now’s the time to start planning how your income flows out just as efficiently as it flows in.
#RetirementPlanning #TaxSmartStrategies #WealthBuilding #SunLife #FinancialEducation
Most people see RRSPs as the golden ticket for retirement savings… and they can be.
But here’s what many forget — at some point, you have to stop filling the bucket and start turning the tap on.
✅ Contributions help reduce taxable income today
✅ Growth happens tax-deferred
🚰 Withdrawals are taxed as income — and by age 71, the government requires you to start drawing down
RRSPs work best when you understand how (and when) to use them.
It’s not just about saving into the right bucket — it’s about knowing when and how to take it out.
If you’re building toward retirement, now’s the time to start planning how your income flows out just as efficiently as it flows in.
#RetirementPlanning #TaxSmartStrategies #WealthBuilding #SunLife #FinancialEducation