About Clearstone
Financial decisions rarely stay separate.
Clearstone Financial is an independent licensed practice in Charlottetown, Prince Edward Island — an Atlantic Canadian practice built to help people see how their financial decisions connect, while each service stays within its own professional scope.
Why Clearstone exists
One conversation, not several.
Financial decisions often affect one another, while the conversations around them are usually handled separately — a mortgage in one place, insurance in another, investments somewhere else again. Clearstone was created to help people understand those connections, so the pieces can be considered together rather than in isolation. Each service still operates within its actual licensed, contractual and professional scope.
The pieces were always connected.
The conversation rarely was.
The practice in plain view
One practice. Different relationships behind each service.
Clearstone is one coordinated practice across six areas of work. That does not mean one licence, one provider, or one regulated entity — each service operates through its own structure.
Clearstone Financial
One coordinated practice
- 01 Financial AdvisoryWithin its own licensing and professional scope.
- 02 MortgagesBrokerage work occurs through the Vine Mortgage relationship.
- 03 InsuranceInsurance products are distributed through IDC Worldsource Insurance Network Inc.
- 04 InvestmentsInsurance products are distributed through IDC Worldsource Insurance Network Inc.
- 05 Group BenefitsArranged within its own professional scope.
- 06 Smith Manoeuvre™Smith Manoeuvre™ is a trademark used under licence through SMCG.
One Clearstone practice identity does not mean one licence or one provider. The relationships named above apply only to the relevant service context; every offering remains subject to its own professional, contractual and regulatory boundaries.
Independence, stated plainly
Clearstone is an independent practice.
What that means
Clearstone is not owned by or affiliated with any single lender or insurer. Independence sits alongside the real service-specific relationships shown above.
What it does not mean
It does not mean unrestricted access to every product or every provider. Clearstone still works within real provider relationships, contracts, product availability, licensing and suitability — and the professional boundaries of each service.
Not a bank. Not a franchise.
An Atlantic Canadian practice
Based in Charlottetown.
Rooted in
Atlantic Canada.
Clearstone is based in Charlottetown, Prince Edward Island. Atlantic Canada is part of the practice’s identity. That regional identity is separate from the licensing, provider relationships and service availability that apply to each individual service.
Accountability has names
Who stands behind Clearstone.
Clearstone names the people accountable for the roles described here. The fuller team story lives on the Team page.
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Nicholas Gaudet
Founder & CEO
Founded Clearstone and is responsible for the direction of the practice.
-
Anmol Multani
Director, Mortgage Operations
Leads mortgage operations — intake, file preparation, lender coordination, and client communication from application through close.
Where to go next
See how Clearstone is put together.
Start where it actually matters to you.
You have seen how Clearstone is put together. When you are ready, a first conversation is the simplest next step.