THE SIMPLE CHOICE FOR COMPLEX FINANCIAL MATTERS

We help you achieve all of your financial goals - one step at a time.

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Helping to guide you throughout life’s journey.

We help Canadians protect their loved ones, grow their wealth, improve their health – and build their futures. And our goal is to make it fast and easy to do all those things, so you can spend time on the people and things that really matter.

Meet the Team

We pride ourselves in offering sound, honest, financial advice based on education, knowledge and experience, and strive to ensure excellent service.

Meet the Team

Services & Solutions

Whatever your stage in life, we can help you feel financially assured with a variety of financial products and services to meet your specific needs.

See how we can help

Client Resources

Your financial life doesn’t have to be complicated. Bookmark this helpful page for your one-stop-shop for your financial tools and Resources.

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"Paul, you have helped my wife and I plan through our lives together. From paying off our school debt, to buying our first home, and now developing financial long-term support for our new daughter."
Chris H, Whitby

"...I can honestly say that my mom and I trust you in managing the accounts efficiently..."
Precilla E, Toronto

"Thank you Paul for all your work and guidance during this process and the time you have spent with me explaining things.”
Lisa G, Hamilton

“We appreciate your attention to our accounts and the personal touch you add as well.”
John F, Pickering

See what our clients are saying...

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About Us

Our Commitment to Value

Our actions are driven by trust, reliability, empathy, prudence, and innovation. We are committed to contributing positively to the quality of our clients’ lives, and their financial future. With respect and confidentiality, we will give priority to your goals and concerns and work exclusively for your benefit.

Contact us today to get started.

We strive to exceed your expectations every day.

We focus on understanding the needs of our customers and on creating solutions that make a difference to their success.

Paul Polyviou CFP, CLU, CIM®

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Paul Polyviou, CFP, CLU, CIM®

Associate Portfolio Manager | Senior Financial Planner - Manulife Wealth Inc.
Life Insurance Advisor - Manulife Wealth Insurance Services Inc.

"I am very lucky to be doing what I love. I get to help people achieve their financial goals. In fact, the best part is trying to figure out all the different ways I can do that."
"I understand the importance of planning a future for you and your family while making sure you can enjoy it every step of the way. I will invest the time needed to get to know you, helping you define and achieve all of your financial goals."

Since 2003, I have defined personal financial planning as a process of determining an individual’s or family’s financial goals, purpose in life and life’s priorities. After considering their resources, risk profile and current lifestyle, a detailed and realistic plan is prepared to help meet those goals. My designations as a Certified Financial Planner (CFP), Chartered Life Underwriter (CLU), and Chartered Investment Manager (CIM) reinforce my ability to provide ongoing comprehensive financial planning advice in the areas of investing, retirement, tax, insurance, and estate planning. By specializing in these I am in a better position to assist my clients in achieving their financial objectives.

"I am experienced at generating tax-efficient income and implementing strategies to transfer wealth to successive generations in order to relieve both current and future financial stresses. My team and I like to think of ourselves as an extended member of your family – helping to guide you throughout life’s journey."

My team and I strive to ensure excellent service is received by all clients and seek to educate and provide timely information on a consistent basis.

Away from the business, I enjoy staying active by playing soccer, going to the gym and spending time with my family and friends.

LEARN MORE ABOUT PAUL - VIEW HIS BROCHURE

Teresa Polyviou

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Teresa Polyviou

Marketing Assistant - Manulife Wealth Inc.

Direct: 416.259.8222
Toll Free: 1.877.676.6686
Fax: 416.259.8202

My focus is on ensuring client communication is relevant, easy to understand and timely. I have a B.A. in sociology and psychology from York University and enjoy keeping active and spending time with my husband Paul and my daughters Emma and Sara.

Cory Marriott

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Cory Marriott

Investment Advisor Assistant - Manulife Wealth Inc.

Direct: 416.259.0946
Toll Free: 1.877.676.6686
Fax: 416.259.8202

Office:416.259.8222

I joined the office in 2016 as the Director of First Impressions, where my primary role as the first point of contact was to provide an exceptional client experience for all of the branch’s clients. Then, in 2022, I became a member of Paul’s team. I will provide ongoing support to his financial planning practice and will continue to enhance the client experience by striving to provide excellent customer service!

As a single mother of 3 kids and one adorable puppy, I know firsthand the importance of budgeting, financial independence, and financial security. Therefore, I truly believe in the importance of everything we do for our clients to ensure their own financial well-being.

I was born and raised in Toronto and continue to enjoy all that this great city has to offer but also enjoy spending time up north with my family and friends where I can enjoy the outdoors.

Tony Pereira

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Tony Pereira

Retired

Direct: 416.259.8222
Toll Free: 1.877.676.6686
Fax: 416.259.8202

Tony was previously in the investment industry for over 28 years. He provided insight to his past client's in such areas as budgeting, retirement planning, investments, personal and business insurance as well as taxation and estate planning.

Tony was previously a member with the “Million Dollar Round Table,” an international organization recognizing high achievers in the life insurance industry.

Tony has shared his insights and experience with our team from his many years of experience making short and long-term goals achievable.

Money means something different to each of us.

Whether you see it as a way to enjoy life, protect yourself from pain, or take care of the ones you love, the way you feel about money affects the financial decisions you make every day. When you understand what your money means to you, you can make clear, smart choices about your financial life. Our process helps you make financial decisions with confidence that are always relevant to your current circumstances and expectations.

The Financial Guardian 4D Process

My Financial Planning process begins with understanding you – your unique lifestyle, your needs and your goals. With careful consideration, investment planning and a customized portfolio design, we can offer you the flexibility to select from diverse core and complementary investment strategies.

We will work together through four distinct phases:

DISCOVER

We develop a full understanding of where you are today and draw a map of where you would like to be in the future.

DIAGNOSE

My team and I weigh your goals and objectives and create customized solutions to help you find the right fit for your lifestyle.

DEVELOP

We meet with you to review our recommendations and help ensure that you are comfortable with the approach and implementation.

DELIVER

We will monitor and review the implemented customized solutions against the agreed upon goals and objectives. We then customize the frequency of contact to suit your preferences.

The Financial Guardian Investment Process

I adhere to the K.I.S.S. approach of managing money (Keep It Simple Stupid) - adding value by either boosting your returns or protecting your capital from mistakes. I spend countless hours tracking all my recommendations daily, bench-marking them to peers, attending seminars, meeting company representatives, listening to conference calls/ podcasts, reading industry magazines / online articles and analyzing emails in order to keep current on issues that may impact my clients.

*If warranted I will call, email, mail or meet my clients and make appropriate changes.

What I Look For When I Buy:

Prefer dividend paying /
yield investments
Good risk/reward

What I Look For When I Sell:

1 year or more of unexplainable under performance
Company / Portfolio manager change

What our clients say about us...

“We appreciate your attention to our accounts and the personal touch you add as well.”

John F, Pickering

“Thank you, Paul, for your concern, help and the advice you have given us.”

Lilianna S, Toronto

“Dear Paul, let me begin by thanking you for your kindness, concern and generosity in this matter…”

Gabriella C-A, Toronto

“Paul, you have helped my wife and I plan through our lives together. From paying off our school debt, to buying our first home, and now developing financial long-term support for our new daughter. Thanks for your ongoing support, every step of the way.”

Chris H, Whitby

"Thank you Paul for moving things around. I can honestly say that my mom and I trust you in managing the accounts efficiently..."

Precilla E, Toronto

“ Thank you Paul for all your work and guidance during this process and the time you have spent with me explaining things.”

Lisa G, Hamilton

Services & Solutions

Providing the value of advice

Markets are continually changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future.

INSURANCE SOLUTIONS

It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind and put precious time back where it belongs – in your hands. We can provide educated advice and expertise in solutions such as:

Life, Health & Travel insurance
Disability and Critical illness protection

Apply online or get a quote now!

INVESTMENT SOLUTIONS

Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise for your needs, including:

Registered retirement plans (RRSP, RRIF)
Locked-in retirement account (LIRA)
Registered education savings plan (RESP)
Tax-free savings account (TFSA)

ESTATE PLANNING

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones.

Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, insurance, trusts, tax planning, and charitable gifts.

Try these Estate Planning Resources.

PLANNING FOR RETIREMENT

Goals-Based Investing focuses on helping you meet your income goals, not about performing against a stock market. Driven by advanced analytics that illustrate what your retirement spending needs could look like in the future, you can gain confidence in the potential to grow your future income stream.

Whether your focus is travel, leisure, family time or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning. We can help tailor a custom solution for your needs!

GROUP & BUSINESS SOLUTIONS

Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, such as:

Group benefits & Group retirement
Group pension
Competitive employee benefits
Business insurance

For more information on services and solutions to your financial needs...

CONTACT US TODAY

Stay In Touch

We welcome the opportunity to speak to you. We encourage you to contact us for a confidential, non-obligational discussion or if you are simply looking for a second opinion.