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Brian S. Horton, BBA, CFP, CLU, CSP, CHS, EPC, CEA, CPCA, RWM  

Retirement Income & Estate Planning Specialist    

Brian Horton, a
Certified Financial Planner and Principal of Heritage Wealth Services.  He has had the satisfaction of meeting the retirement and estate planning
needs of his clients.  He does this by
consulting with his clients so that he can understand their financial
objectives and concerns and works with them to build a plan that responds to
their individual needs.

Brian will provide
service, advice, and an array of products to address estate planning, financial
planning, business insurance, group health benefits, group retirement plans, disability
insurance, critical illness insurance, wealth accumulation, and life
insurance.  Brian will endure to develop
a reputation for expertise and superior service.

It’s important to Brian that he provides his
clients with educated advice.  He does
this by continually upgrading his skills through counseling from industry
experts as well as through industry memberships such as the Financial Advisors
Association of Canada (Advocis) and the Million Dollar Round Table (MDRT).
Brian also holds both a diploma and a degree in Business Administration from
Sir Sandford Fleming College, Peterborough, ON, and Lakehead University, Thunder
Bay, ON.  In 2002, Brian was also
accredited his Certified Sales Professional (CSP) designation by the Canadian
Professional Sales Association. 
Furthermore, he has completed his Certified Financial Planning (CFP), Chartered Life Underwriting (CLU), Certified
Health Insurance Specialist (CHS), Elder Planning Counselor (EPC), Certified Executor Advisor (CEA), Certified Professional Consultant on Aging (CPCA), and Real Wealth Manager (RWM) designations.  Brian
is currently working towards his Tax & Estate Planning (TEP) designation.

Account Executive, Investments, Empire Life.

I am a freelance Paralegal with over 26 years experience.  I have a passion for guiding families and friends when a loved one has passed.   My goal is to ease the burden and help executors navigate their way through the administration process.   I offer impartial, focused, communicative guidance and support to executors including hands on preparation of applications needed to administer any estate.   I also have a network of professionals that I can call upon in the event complex matters arise.    

Heir locating is my specialty and I have assisted executors find heirs across the globe.  

Additionally, I am passionate about pre-planning and feel estate planning should be accessible and affordable therefore I have co-created "Make Your Own Wills".  A website offering a plethora of estate planning guidance and the ability for the user to make their own estate planning documents utilizing a simple questionnaire.  

I am also a Commissioner for Oaths.  

I help individuals, families and business owners with holistic financial planning. I teach various ways to build their investment portfolios, protect their life and assets so that they can be closer to achieving their financial goals.

I help my clients plan for today and also for the future

I am a comprehensive Financial Planner and a Divorce Specialist as well as a CLU (estate Planner).  I provide advice for a fee.  In additional I hold a license with the MFDA and the Insurance Council and sell products when I am engaged to do so and when they are appropriate. When i work with long term clients I manage assets and ensure they are properly insured based on their goals. When our clients die we help guide their executors in settling our client's estate.

I work with individuals and families in Milton, the Halton Region, and the surrounding GTA who are experiencing a significant financial transition that results in sudden wealth — such as an inheritance, property-sale, downsizing, pension pay-out, business exit, divorce, or a settlement.

Many of the individuals and families I work with have questions about how to invest a lump sum safely, minimize taxes, and build safe and reliable retirement income.

Rather than jumping into investment products, we begin by building a comprehensive, written financial plan. Together we map out your retirement income, tax-smart account structure, risk protection and wealth transfer strategy. Only once you’re clear and comfortable do we move to the investment stage.

Through Edward Jones’ in-house Client Consultation Group, you also have access to tax and estate-planning resources at no extra cost. You gain access to specialist support typically reserved for high-net-worth clients.

I meet with clients regularly each year through a consistent, structured review process, and we remain available during key life changes or market shifts.

I hold the CFP® designation and operate on a planning-first, no-pressure basis, so you can feel confident that advice is anchored to your goals — not products or commissions.

Outside the office, my family and I are proud to part of the Milton and Halton Region community. I support the Community Foundation of Halton North having previously served as a board member and chair of the investment committee, and continue to serve on two committees as a member. I also enjoy auto sports - particularly F1 and Radical racing in Ontario - and maintaining an active lifestyle. I live in Milton with my wife, Ami, and our son, Dean.

If you’ve recently come into new wealth or anticipate a major change, I’d welcome a conversation to help you protect, position and plan for your next phase. Please feel welcome to contact my office.

Innes Associates Chartered Preofessional Accountants is a CPA firm established by Rob in 1984. Rob Innes is also an IIROC securities licensed advisor through Industrial Alliance Securities. Rob is a graduate of Ivey Business and Western Law, and is a CFP, CIM, EA (Enrolled Agent, enrolled to practice before the IRS).Rob has completed the CICA in-depth Tax Course, is a founding member of the London Tax Study Group for Lawyers and CA's and is on the board of the Entrepreneurial CPAs of London.