Chad Harmer is a Financial Planner and Chartered Investment Manager with a passion for helping Canadians take control of their financial future. With over 15 years of experience in wealth management, Chad is known for his approachable style, deep industry knowledge, and commitment to building long-term client relationships.

Chad’s expertise spans investment planning, retirement strategy, real estate advising, and tax-efficient wealth building. He specializes in guiding Canadian homeowners through the Smith Manoeuvre—a powerful strategy that transforms mortgage debt into a tax-deductible investment opportunity. Chad ensures that clients understand each step, offering clarity and confidence as they work toward financial independence.

After building his career with major financial institutions, Chad launched Harmer Wealth to provide truly personalized planning solutions. He later founded The Harmer Group, combining real estate and financial expertise under one roof. This integrated approach allows him to offer comprehensive, actionable advice that aligns every aspect of a client’s financial life.

Whether helping a family reduce tax burdens or guiding a homeowner through strategic mortgage planning, Chad is committed to helping clients achieve lasting financial success—one smart decision at a time.