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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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
It’s not “just insurance.” It’s a strategy that can:
✅ Protect your family and business
✅ Build tax-advantaged cash value
✅ Participate in annual dividends
✅ Create flexible access to funds during your lifetime
Here’s how I explain it to clients:
Term protects what you have.
Permanent ensures it lasts.
Participating helps it grow while it’s protected.
A par policy isn’t for everyone... but for many incorporated professionals and business owners, it’s a cornerstone of a protection-first, tax-efficient legacy plan.
If you’re building long-term wealth for your family or your corporation, this strategy deserves a conversation.
💡 We help business owners, professionals and families protect what they’ve built and grow what’s next — with tax-smart, legacy-focused planning.
#LegacyAdvisory #WealthStrategy #InsurancePlanning #BusinessOwner #FinancialWellness
It’s not “just insurance.” It’s a strategy that can:
✅ Protect your family and business
✅ Build tax-advantaged cash value
✅ Participate in annual dividends
✅ Create flexible access to funds during your lifetime
Here’s how I explain it to clients:
Term protects what you have.
Permanent ensures it lasts.
Participating helps it grow while it’s protected.
A par policy isn’t for everyone... but for many incorporated professionals and business owners, it’s a cornerstone of a protection-first, tax-efficient legacy plan.
If you’re building long-term wealth for your family or your corporation, this strategy deserves a conversation.
💡 We help business owners, professionals and families protect what they’ve built and grow what’s next — with tax-smart, legacy-focused planning.
#LegacyAdvisory #WealthStrategy #InsurancePlanning #BusinessOwner #FinancialWellness
When it comes to saving for retirement, most people focus on how much they’re saving — not where they’re saving it.
RRSP. TFSA. Non-Registered.
Three different names for the same goal: building future wealth.
But here’s the truth most people overlook:
💡 The real difference between these accounts isn’t how they grow — it’s how they’re taxed.
🪣 Bucket 1: The RRSP
Think of this as your tax-deferral bucket.
You contribute before tax, lower your taxable income today, and pay tax later — ideally when your income is lower in retirement.
✅ Great for high-income earners or business owners with fluctuating income.
🪣 Bucket 2: The TFSA
Your tax-free growth bucket.
You contribute after tax, but everything you earn — interest, dividends, capital gains — grows and comes out completely tax-free.
✅ Ideal for long-term growth or flexible access before retirement.
🪣 Bucket 3: The Non-Registered Account
Your no-limit bucket.
No contribution caps, no withdrawal rules — but you’ll pay tax along the way on interest, dividends, and capital gains.
✅ Great for business owners or incorporated professionals who’ve maxed other options and want flexibility.
The truth is, it’s all the same water, your money.
What changes is how each bucket is taxed and when you choose to pay that tax.
The smartest plan isn’t about picking one bucket…
It’s about knowing how to fill each one strategically based on your income, goals, and future tax outlook.
Protect. Grow. Transfer.
That’s how we help business owners and families create tax-smart retirement and legacy strategies that last generations.
#LegacyAdvisory #WealthStrategy #TaxSmartWealth #BusinessOwnerPlanning #RetirementStrategy
When it comes to saving for retirement, most people focus on how much they’re saving — not where they’re saving it.
RRSP. TFSA. Non-Registered.
Three different names for the same goal: building future wealth.
But here’s the truth most people overlook:
💡 The real difference between these accounts isn’t how they grow — it’s how they’re taxed.
🪣 Bucket 1: The RRSP
Think of this as your tax-deferral bucket.
You contribute before tax, lower your taxable income today, and pay tax later — ideally when your income is lower in retirement.
✅ Great for high-income earners or business owners with fluctuating income.
🪣 Bucket 2: The TFSA
Your tax-free growth bucket.
You contribute after tax, but everything you earn — interest, dividends, capital gains — grows and comes out completely tax-free.
✅ Ideal for long-term growth or flexible access before retirement.
🪣 Bucket 3: The Non-Registered Account
Your no-limit bucket.
No contribution caps, no withdrawal rules — but you’ll pay tax along the way on interest, dividends, and capital gains.
✅ Great for business owners or incorporated professionals who’ve maxed other options and want flexibility.
The truth is, it’s all the same water, your money.
What changes is how each bucket is taxed and when you choose to pay that tax.
The smartest plan isn’t about picking one bucket…
It’s about knowing how to fill each one strategically based on your income, goals, and future tax outlook.
Protect. Grow. Transfer.
That’s how we help business owners and families create tax-smart retirement and legacy strategies that last generations.
#LegacyAdvisory #WealthStrategy #TaxSmartWealth #BusinessOwnerPlanning #RetirementStrategy