Hammond Financial - Ajax, Ontario

Shawn S.

Just finished up "the process" and it has been great experience from our first contact. Found Andy through a google search looking for a planner who DID NOT also represent investments, see this as a conflict of interest personally. Sat down with Andy, supplied the raw information (Retirement savings and projected budget) and quickly he returned with first version of plan, Met with us again, refined a few points, updated some retirement objectives, had a great discussion about options. Repeated this process through 4 more revisions as details became clearer. I now have a finalized plan taking me through my retirement that I am believing is a conservative projection and my wife is resting easier knowing a) that we have the funds and b) where those funds are coming from.

I wholeheartedly endorse Hammond Financial to assist in laying out your retirement finances. Dont be like me though, do this long before you retire (I did it after) as you may need to reallocate how you are saving for retirement.

Thanks Andy and team!

yi S.

We’ve been working with Andy for my retirement planning, and we can honestly say the experience has been exceptional. From the beginning, Andy took the time to understand my goals, current financial position, and what we envision for my retirement years. He explained every step of the process clearly, making complex information easy to understand.
Andy is not only knowledgeable and professional, but also incredibly approachable and patient. He created a personalized retirement plan that gives me confidence and peace of mind about the future. We never felt rushed or pressured—Andy always makes time to answer my questions and check in regularly to ensure everything is on track.
We highly recommend Andy to anyone who is looking for an expert in retirement planning. His flat fee fee-for-service retirement plan was worth every dollar and quite reasonably priced!

PE L.

My wife and I are retiring and while we've been able to manage our finances well, we felt that an expert could help us lay out a financial plan better than we could. We found that expert in Andy. We engaged in a very thorough process to understand what our spending priorities are and will be, and then how to structure our income from various sources in the most tax efficient manner. The end product is excellent and will guide us well in the future. Andy is good natured, experienced and easy to work with and we highly recommend him if you're in a similar situation.

Tara C.

Andy is a fantastic financial advisor, unbiased and accommodating. We feel set up for success after meeting with him, and receiving his recommendations. Highly recommend for anyone who's looking to optimize their portfolio and improve their financial outlook.

Ali S. W.

Our experience with Hammond Financial was very positive. Andy was extremely knowledgeable and really helped us better understand our financial situation. My husband and I are in our mid-40’s (with two young children) and wanted a plan that would take us well into our retirement years. He really put everything into perspective and validated our approach towards a successful retirement. Hammond Financial went over and above our expectations and we would not hesitate to use them again.

Jeff C.

After accepting an unsolicited offer to buy our business, my wife and I wondered if we should retire or buy another business. We contacted Andy Hammond for an unbiased opinion. He prepared a 40 year projection of our income and expenses, completed a portfolio review and discussed his investment recommendations with us. We found Andy to be patient, clear and thorough. It is clear he loves what he does. We are completely happy with his price, product and service. We recommend him without reservation.

Kim M.

With my husband having retired and my own retirement looming, I was looking for someone to provide an independent, objective look at our financial situation. I knew a lot of basics but wondered how best to handle drawing down RRSPs, when to convert to RIFs, when to take CPP and OAS, making the best use of TFSAs and how much to be able to spend each year! I was comfortable with my investments but needed a professional plan. I am so happy that I chose to contact Andy Hammond. He was exactly the person I needed and didn't know how to find! After discussions to clarify our current and future expenses, pension income and investments, he provided us with a clear plan for our financial future. I can't tell you what a relief it is, to know what to do and when to do it! I would highly recommend Andy for anyone looking for that independent, objective, professional set of eyes to help you with your plan.

Laurie H.

If you are looking for an impartial look into your finances I could not recommend Andy enough! He really listened to our individual situation and offered excellent insight.

Now we feel much more confident with our retirement planning. We are so glad we contacted you, thanks so much Andy