"We have known John as a personal friend for years and we've respected that he's always maintained a separation between his business and our family friendship. A couple years back our financial circumstances changed and we approached John to explore Permanent Life Insurance. Initially we thought it would be part of our retirement income planning strategy; however, John's detailed and thorough financial planning analysis revealed that it would better serve as an effective estate planning purpose.

For our own benefit, John really made us think about what our retirement might look, what that might cost us and what we might want to leave as a legacy. As a result, John was able to provide a well informed and thoughtful recommendation, tailored to our needs. It made complete sense to us and we did not hesitate to proceed. It was John's commitment to the practice of financial planning that led to a very sensible and correct decision. He helped us consider the "big" picture versus focusing on a single need.

There are many attributes we would use to describe John but these few stand out: extremely patient (the deal took at least 6 months to complete); thoroughly knowledgeable, an educator (he ensured that we became informed clients), professional, not your typical salesman. He really makes you feel at ease and like a close friend or family member. When you combine all of this, what you get is peace of mind and a trustworthy relationship, one that you know will last for years to come.

Anyone who has the opportunity to work with John will be better for it and not regret it one bit.”

"We were in need of someone to help us as we were heading toward retirement and were very lucky to have discovered John Radul. We needed someone that was trustworthy with strong ethical characteristics and would hold our hands leading us to solutions and plan execution and equally important stay with us along the journey. John fit that need so perfectly well and we owe John deeply for our success.

Previous to discovering John, we had a planner that at best produced nothing more than a simple 1/4 page row and column of numbers that was filled with ambiguity, inaccuracies, and no guidance.

John developed a year-by-year detailed analysis and plan that takes us well to the end and he quickly adjusts our plan booklet as needed when we have a change in life. He follows us closely along our life-journey that is now without stress so we can enjoy retirement life and not have to worry about finances. He is always there to answer questions and guide us.

His calm and caring nature coupled with his very strong ethics makes it a total joy for my wife and me. He has been the best decision we could have ever made. Thank you so much John.”

"I am grateful to have John as our financial advisor.  Over the past 10 years, he has helped my family with setting up our life insurance, RESP contributions and investments.  John is very approachable and always takes the time to explain my options. I trust that John offers financial solutions that best suit me unlike bank advisors who only offer the products they have been told to sell.”

"It gives me a great pleasure to write about John.   

The words that come to mind right away are trustworthy, honest, knowledgeable, caring, just, transparent, open and dependable.   

I am so glad that he is managing our finances after my retirement especially when a friend, who retired with me, has to do two jobs to survive because all his savings were washed off due to incompetent advice.

Thank God I can sleep with utmost peace without having panic attacks about my retired years. I can say emphatically that I feel divinely secure.   

A big Thank You to you John, from the bottom of our hearts.”

"I'm not an everyday-hands-on investor, looking at the bottom line every few weeks is more my style. John takes care all the small details associated with managing my investments, informs me when it matters, steers me when necessary and enlightens me when needed.

I've known John for twenty plus years and can't speak highly enough of his character and dedication... 5 STARS from this investor…"

"John created a personalized financial plan that fit our needs. He educated us on insurance coverage options that would provide the financial security we require.

John created an efficient financial plan for us that is easy to monitor and our investments are now easier to track. He provided us with peace of mind regarding retirement plans.

John is very approachable, easy to talk to and does a great job of explaining financial services and options to us.

John is accessible, easy to work with, very responsive, diligent and trustworthy.”

"I consider John a friend who puts my/our financial future and interests on par with his own. And I mean that as a good thing.”

"We have known John for a long time and are extremely happy having him as our Financial Advisor/Planner and friend.

It is obvious that John loves what he does and is well versed in providing the best quality service to his clients.

When we decided to start a long term investing program we were quite young and had no idea what would be the best for us.  We had just had our first child and wanted to ensure that we could build a solid financial future for our family.  John quickly came to the rescue and helped us to figure things out and after several meetings with him, we felt safe and assured that we have made the right decisions and planning for our future.

John is knowledgeable and compassionate.  He will go to great lengths to provide quality service.  It's really nice to know that someone is looking out for us when life gets a little hectic.  Thanks John!”

"JR is different.

First, he is my friend.   

I have placed a good portion of my finances with John because I have worked with him over many years.  I have viewed firsthand his ethics, his love of life, his no BS way of dealing with people, and the way he works.

I trust him over some faceless financial loan officer at a bank. There are many good people who work at our banks, but the big banks make me feel like I am being squeezed and manipulated.   I have had dealings with a few people in the banking system that are very good people, but sadly there have only been a few.

I have had bad experiences with big banks when I have given them my investment money. There was a big lack of caring once the banks had my money.   

John met with me personally, gave me a financial plan, and has continued to change the plan as my situation has changed.  John is always giving the same message about staying the course.  The market is a minefield without having a lot of experience and a good overall understanding of how to avoid a bad outcome.

John gives me confidence that I am making a good choice with regards to investing.     

John is an honourable man.  He has never, ever steered me wrong, or given me cause to doubt what he tells me.   

Go with this man and his company. You won’t regret it.”

"Was made aware of John’s excellent services from a relative which at the time I was looking for to review my pension options. John met with us and discussed our financial situation, reviewed the options I had within my pension plan and put forth an excellent plan which we continue to rely on over ten years later and it has worked out perfectly.

John has also managed a number of our financial portfolios, advised us on numerous occasions with both financial and tax info and basically has become a good friend.

You cannot ask for more. In today's world, having someone who you can trust in the financial sector with his kind of knowledge and experience is priceless.

If you’re looking for a straight shooter who tells it like it is, and that applies to his golf game as well then give John a try. Sure worked out well for my wife and I.”

"Having had a modest income, raising three boys and being married twice in my life thus far, I was never a very sensible “saver” and, in fact, there was never much money left to save after all the expenses. I now approach retirement with much less than I would like on hand to enjoy a life without financial stress. Having said this, I do owe much gratitude to John Radul for his ability to evaluate my own, personal situation and then take those positive steps necessary to provide me with hope and an increased sense of security for the future.

I have known John for many years as a valued friend and, since his career change into the profession of financial planner – advisor, our friendship and mutual trust has only strengthened.

John always hears my thoughts and fears and doesn’t just impose his own views for my future plans and how to achieve them. He always makes time for me when I need his guidance and knowledge; simply put, he is skilled at explaining financial strategy even if it isn’t always what I would like to hear.

John is realistic in his projections and the main thing I have learned from him is not to react to the day-to-day, often negative, news from the market or the pundits but rather, to stay the course and rely on a professional to invest on my behalf. He leaves me with a sense of confidence and this minimizes any fears I may imagine.

As an owner of a small company there is feast or famine as the economy fluctuates. I have connected John with one of my younger, key employees so that the three of us work on a plan for her future as well as mine. I believe this further illustrates my faith in John.

I highly recommend him for his integrity and financial acumen. I also know that if you are fortunate enough to work with John you will also add an important “friend” to your life.”

"We were hoping to meet with a planner that would help us get started on our retirement plans. John quickly identified some needs for our family and put a plan in place to get us started.

Our primary focus with John was to create some comprehensive insurance plans for our family. We now have multiple plans in place that are affordable and will provide support for our family. John was the first financial planner we met with to identify these needs for us.

We now feel much more peace of mind regarding our insurance plans. We have also put a small amount of capital away to get our retirement plans going and some money for our children later on too. It's a long, slow process for us but we're happy to work with John on it, and we are very grateful that he is always so patient with us.   

I really can't say enough about John and his approach. He listens intently, thinks diligently about our situation and provides very honest and careful advice. I always get the feeling from John that he is truly looking out for our family's best interests.

I would describe John as a planner who I would recommend easily to anyone. In fact, I have recommended John multiple times to friends. Hopefully at least one has called (but sometimes people are reticent to change).

We really appreciate John and all the work he has done for us. We are still early in our planning process, and we got to it later than I wish we had.   

We are very much looking forward to working with John for many years and really have nothing but incredibly positive things to say about his business ethics, approach to planning and concern for his clients.”

"The first time we met (in 1989) John presented me with a copy of THE WEALTHY BARBER. This would become the start of a beautiful friendship.  John consistently conduct(s) himself with integrity and compassion, regardless of the situation.

I switched my funds away from two industry-leading Insurance firms and gave John all of my business.  I have the utmost confidence in John as I know he truly has my best interests at heart.  He has positioned my money in the same funds as his own, he never hesitates to contact me and inform me of industry changes or opportunities, he has sourced out better insurance opportunities, he has stood by his promises, and he has guided me firmly when on occasion he has had to deliver the hard “no” which we all sometimes need to hear.   

I have referred friends and family to John and never regretted it.  In the 14 years that John has been my financial advisor I have seen steady and pleasing growth within my account.    

I know I will never find another advisor/planner with any other firm who cares as much about me and my personal success. I trust John explicitly and am grateful that he entered my life nearly 30 years ago!”

I am relatively new to the “adult world”- just 4 years into my career after finishing university and knew I wanted to start investing my money, saving for retirement, and essentially having a smart plan for my future.  My father, who has been a client of John’s for years, suggested speaking with John about how to get started, as I had no idea what I was doing.

Before any big decisions were made, John sent me various resources (videos, articles, etc.) to educate me on the difference between certain investments so that I would understand and feel more comfortable with how my money was going to be used.  He wants you to be informed, and the fact that he is willing to take the time to educate his clients and help them understand the financial world would make me recommend him to anyone!    

I never feel rushed or stupid asking questions as John is always willing to take the time to respond - quickly as well! You can tell finance is his passion, he is the definition of a personalized experience - he even sent me a card on my birthday!”

"When I first asked John to assist me with my financial needs, I explained to him that my knowledge of investing was zero.   He took the time to get to know me so that he could assess my comfort level with regard to the level of investment I was prepared to make. He did not pressure me in any way, but was there for advice and guidance if I so wished.  I felt he would look out for my best interests regardless of the amount of money I had available to invest.

I need an advisor I can trust implicitly.  John is someone who is dependable, reliable, respectful, and trustworthy.  I feel totally comfortable allowing him to literally “take charge” of my money.   I do not have to worry about being taken advantage of or being pressured into making decisions that make me feel uncomfortable.   

John keeps me apprised of any changes he advises regarding the investments etc. he makes on my behalf.  He warns me ahead of time and he explains, in simple terms, what my options are.  No financial jargon!  I appreciate this.

I do not know of anyone as discreet as John with regard to personal financial matters.  He is totally trustworthy and respectful.  I have no qualms in recommending him to anyone who has need of a financial advisor.  I feel my financial matters are totally safe in his hands.”

"I had a portfolio and several financial advisor(s) years before we met.  We switched to John’s (then) organisation as a result of encouragement from friends who were with him at the time.  We had an unusually good financial advisor at my bank, but were disappointed with the replacement after his retirement, so the move to John was timely.

The positives for being with John are his personalized approach to his clients’ situation and needs, his ongoing commitment to self-education and to providing the best options to his clients, his enthusiasm in his craft and in providing education to his clients.  He knows his stuff, and is consistent and patient in answering questions.  We have benefitted from being with John in that we trust he has our best interests at heart, is responsible and trustworthy, and continually presents us with suggestions and guidelines to make the best of our (retirement) investments.”