Investing that makes sense for Canadians.
Synergetics Financial Services pairs professional portfolio management with the plain-language teaching of Wealth Decoded — so your money gets a plan built around your actual life, not a bank's sales target.
Free 181-page bookCanadian retirement planning, written for 2026.
Free planning toolsTFSA, RRSP, RESP, CPP & OAS calculators ↗
Daily videosWealth Decoded on YouTube ↗
One firm for the whole money question.
Investment management, insurance protection, retirement planning, and the education to understand it all — designed for Canadians and updated for the 2026 rules.
Managed investing
Professionally managed, diversified portfolios built for regular Canadians — rebalanced and reviewed with your plan, so you're not guessing at individual stocks or sitting in whatever your bank happened to sell you.
Insurance protection
A financial plan should still work when life doesn't. Life, disability, and critical illness coverage protect your family, your income, and the plan you've built if something goes wrong.
Retirement income planning
Turning a nest egg into a paycheque: drawdown order, tax-efficient withdrawals, and the timing calls that decide how far your savings stretch. Built with the 2026 CPP, OAS, and RRIF rules baked in.
TFSA · RRSP · FHSA · RESP strategies
Which account, how much, and in what order. Synergetics plans contribution room, deduction timing, and withdrawals around your income today and in retirement — using current-year limits, not last year's.
CPP & OAS decisions
Take it at 60, 65, or 70? What's the bonus math, and where does the clawback bite? These timing calls are permanent — Synergetics runs your numbers so you decide with a full picture, not a hunch.
The teaching arm: Wealth Decoded
Daily short videos, books on CPP & OAS, investing, estates, and a free 181-page retirement guide — the education side of the house. Clients who understand the plan make better decisions with it.
Simple as three steps.
No jargon, no pressure. You come away from the first conversation knowing exactly what the plan would look like.
Book a conversation
A free intro call to talk about where you are and where you're headed. Held online, so geography doesn't matter — request yours with the form below.
Map your plan
Goals, accounts, timing, tax efficiency — one coherent plan instead of a pile of disconnected advice. You'll see exactly what's changing and why before anything moves.
Invest & revisit
Your portfolio goes to work and the plan gets revisited as life — and the rules — change. Most clients start with the free book and calculators to see the thinking first.
Start with the free stuff. It's genuinely good.
Everything here costs nothing and teaches the same thinking that goes into a client's plan.
Canadian Retirement Planning — 181 pages, free.
The plain-English guide to CPP and OAS, RRSPs and TFSAs, pensions, decumulation, taxes, housing, estates, updated in 2026 — plus worksheets to work through your own numbers.
Get the Free Retirement Prep BookCanadian Money Tools
Free calculators built and maintained by Synergetics: TFSA and RRSP room, RESP grants, CPP/OAS estimates, and more — all using the 2026 rules.
Open the calculatorsWealth Decoded on YouTube
Daily short videos explaining how money actually works — credit, investing, business breakdowns — in plain language, for a Canadian audience.
Watch on YouTube
Hi, I'm Marcus Elford.
I'm a Canadian investment and insurance advisor and the founder of Synergetics Financial Services. I started the Wealth Decoded videos because money advice in Canada was either locked behind jargon or pitched at Americans — so I explain it simply, with real numbers and no hype.
Synergetics is where that teaching becomes a plan built around you: managed portfolios, retirement timing, and account strategy, all under one roof. My clients never have to wonder what's going on with their money — they know, because I show my work.
Marcus
Founder, Synergetics Financial Services
Questions people ask.
Do I need to live in Canada?
Yes — Synergetics works with Canadians and is built around Canadian rules: CRA accounts, CPP/OAS, and Canadian tax. Wherever you are in the country, we can meet online.
What does the first consultation cost?
Nothing. The first conversation is free — a chance to see whether Synergetics is a fit, with no obligation and no pressure.
How do we meet?
Everything runs online, so geography doesn't matter. Use the booking form below — tell me what you're looking for and I'll get back to you to set up our call.
Is the book really free?
Yes — the full 181-page Canadian retirement planning guide is free for subscribers on the free book page ↗. It's the same thinking that goes into a client's plan, with no strings attached.
I'm just getting started. Is this for me?
When you're ready, let's talk about your future — request your free call here.
Want it managed for you? That's what I do.
Send your name, phone number, email, and what you're looking for in the form — Marcus will get back to you to set up your free intro call. Free, online, no obligation.