"I will work with you every step of the way"

- Phil Heaps

"I will work with you every step of the way"

- Phil Heaps

About Phil Heaps Financial

I have always been passionate about my business. Since becoming a Financial Advisor, I have been able to fulfill this passion by providing personal advice to clients and pass along over 25 years of valuable knowledge about financial protection and retirement. I pride myself in providing tailored advice in assisting my clients and their families.

What makes my company different?

We do what’s right for you. This means looking for ways to help. We’re people too and we work hard to keep it real. Sometimes all we need is someone to give us help and the right advice to move ahead.

Our focus is on ensuring you remain on track while protecting what you have built.

Our business is all about making life insurance, travel insurance and retirement planning simpler, easier and more accessible. Technology definitely helps with daily decisions but let’s keep the human touch in making these very important decisions.

My promise to you is that I will work with you and offer ways to protect what you have worked so hard to build.

It starts with a conversation between you and me.

How can I help?


What We Do

Travel Insurance

Travel insurance will give you peace of mind if the unforeseen happens.


More on Travel

Life Insurance

Your biggest asset is yourself.  Why not protect it?


More on Life

Retirement Planning

So many ways to plan for retirement – which one is right for you?


More on Retirement

Travel Insurance

Do you want to travel, discover new places or send your kids to a school out of province/country? Or are you bringing your family members to Canada?  Travel insurance will protect these plans you have worked so hard to arrange and give you peace of mind that if the unforeseen happens.

Let’s make sure you have no worries when away from home. Contact us. We will get the protection you need to relax and enjoy your trip.

How can I help?


Life Benefits

Our lives are full of constant changes whether planned or unplanned, filled with celebrations or losses. When a family loss happens, where will that leave your family?   Not all of life’s changes can be stopped or changed.  Let’s look at financially protecting you and your family.  I can help you put a plan in place that will make it financially easier for your family while they come to terms with their loss.  Your biggest asset is yourself.  Why not protect it?

That protection starts with a conversation about what is most important to you.

How can I help?


Retirement Planning

It’s a broad subject and means different things to different people. There are so many ways to plan for retirement – which one is right for you?  As you transition from career to retirement, let’s be sure all your options are explored so you can clearly see where you’re going.  Let’s talk about what your retirement could be.

How can I help?



I have known Phil for a very long time. When we needed to get life insurance in place, he listened to what we wanted and gave us options that fit. Our family is now financially protected and we don’t have to ask ‘what if’.

Gord ~ Kitchener

‘Phil, thanks for all your help! We spend a lot of time planning our trips and you always put the right travel insurance plan in place for us! If we have a medical emergency, you’ve got us covered! Adding the trip cancellation and baggage loss are great when we fly. We’ll be in touch for our next trip!

Jason ~ Waterloo


Contact Us

I’m looking forward to helping you.