Clearstone Financial | Advisory, Insurance & Mortgages

Financial Advisory

Holistic, ongoing guidance that connects the rest of your financial life together.

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Insurance

Life insurance and insurance solutions, delivered through IDC Worldsource Insurance Network Inc.

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Mortgages

Mortgage brokering through Vine Mortgage, with coordination and strategic context from Clearstone.

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Smith Manoeuvre™

A structured, professionally coordinated approach to converting mortgage debt into potentially tax-deductible investment debt. Leverage magnifies both gains and losses, and interest deductibility is not guaranteed or endorsed by the CRA.

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Nicholas Gaudet, President and CEO of Clearstone Financial.

FROM THE FOUNDER

I started Clearstone because financial decisions don't happen in isolation — your mortgage, your insurance, and your investments all pull on the same household budget, and someone should be looking at the whole picture. My job is to bring those pieces together in plain language, so you can make decisions with clarity instead of pressure. If that sounds like the kind of help you've been looking for, I'd genuinely enjoy a conversation.

Nicholas Gaudet — President & CEO

Free Mortgage Calculators

Explore payment, affordability, and closing-cost calculators — free, no obligation.

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Free Mortgage Check-Up

Wondering if your mortgage could be working harder for you? Get a no-obligation review.

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Discovery

We start by understanding your full financial picture and goals.

Consent & Onboarding

Once we agree it's a fit, we complete the necessary consents and intake.

Implementation

We coordinate advisory, insurance, and/or mortgage steps with the right partners.

Ongoing Service

We stay engaged, reviewing and adjusting as your life changes.

Licensed across three provinces

Financial advisory and insurance licensing in Prince Edward Island, Nova Scotia, and New Brunswick; mortgage brokering licensed in Nova Scotia.

SMCP™-designated

A Smith Manoeuvre professional, certified through SMCG.

A holistic integrator

Not a single-product seller — advisory, insurance, and mortgages working together.

Relationship-first

A long-term approach, not a one-time transaction.

Plain-language guidance

Clear explanations, no unnecessary jargon.

Long-term stewardship

Ongoing review as your circumstances change, not a single conversation.

Bringing Clarity to Your Finances

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