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For Professionals

Clearstone partners with professionals across Prince Edward Island, Nova Scotia, and New Brunswick — helping you serve your clients better without competing for your core business. Find your profession below to see how we can work together.

Refer a Client

Referral partners receive a private intake link to share directly with their clients — leads land with us, associated to you, with nothing for you to manage. Not in the network yet? Reach out and we'll set you up.

Get in Touch

Financial Advisors · Insurance Agents · Mortgage Brokers · Realtors · Lawyers · Insolvency Trustees

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HOW IT WORKS

How Our Partnerships Work

Two things run through everything we offer partners. First, our branded referral links: you refer a client to us through a link branded for you, and you can see whether your client has submitted their information — you never see their private details, and we handle the work. Second, our Smith Manoeuvre™ implementation assistance: where a client of yours wants to pursue the Smith Manoeuvre, we assist them with implementation for a fee paid by the client, as an add-on to the service you already provide. You keep your client and your business; we add a piece you may not offer yourself.

WHY REFER HERE

Why Professionals Refer to Clearstone

One referral, and your client's whole financial picture is looked after: financial advisory, insurance and insurance-based investments (IVICs), mortgage brokering, and Smith Manoeuvre™ strategy coordination — under one licensed, independent roof. That's good for them. Here's why it's also good for you — whether you refer the whole picture, or just the piece you don't practise.

What your clients get

One coordinated picture, not four separate salespeople.
Their mortgage, insurance, investments, and advice actually talk to each other — decisions fit together instead of colliding.

A straight answer, even when it's 'don't.'
We tell clients when not to act. The person you referred gets honesty, and that reflects on you.

Capabilities most offices can't offer
— including Smith Manoeuvre™ coordination by a certified professional, still rare in Atlantic Canada.

What you get

Your client stays your client.
We handle what you sent them for — and we don't compete for the work you do. When they need you, they go back to you.

Referrals flow both ways.
Our clients need trusted professionals across every field we don't practise — and strong referral partners are the first people we think of.

You look sharper for making the call.
A referral is your reputation on loan. Coordinated, licensed, honest service returns it with interest.

It takes you one minute.
An intro by email or a name passed along is all it takes — we handle everything from there and keep you in the loop as much as you want.

WORKING TOOLS

Tools That Work For You

And referring here comes with working tools — things your clients see, use, and thank you for:

Smith Manoeuvre™ Coordination — for Brokers and Advisors

If you're a mortgage broker or financial advisor with clients asking about the Smith Manoeuvre™, you don't have to turn them away — and you don't have to hand them over, either. Refer them to Clearstone for the strategy alone: certified SMCP™ coordination of the structure, sequencing, and documentation, while you keep your side of the relationship — the mortgage stays yours to write, or the investments stay yours to manage. Your client gets the strategy done right; you keep your business and add a capability your competitors can't match.

Sample Clearstone mortgage feature sheet comparing four financing scenarios

PROPERTY FEATURE SHEETS

Property Feature Sheets

Branded, listing-ready mortgage scenario sheets: four financing options side by side, payments and costs compared, scan-to-explore QR code. For realtors: a same-day, no-cost tool that makes your listing — and you — look exceptional at every open house.

Clearstone's mortgage monitoring intake form

ONGOING MONITORING

Ongoing Mortgage Monitoring

Every client you refer can have their mortgage watched against the market — penalties, break-even math, real opportunities flagged only when they're worth acting on. Your referral keeps delivering value years after the file closes — and you're the one who set it up.

Clearstone's online mortgage calculator hub

CLIENT CALCULATORS

Client-Facing Calculators

A full suite of mortgage calculators — payment, affordability, renewal, closing costs — free for your clients, no login, no capture wall. Send the link with your name on the email; we ask for nothing in return.

Every tool carries Clearstone's licensing and disclosures, so your clients are always dealing with a regulated professional — and your name stays attached to the relationship, not lost in a database.

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For referring professionals

01

Share the referral link

Send your client our referral link — they fill in their name and contact details, and we take it from there.

02

We handle the client relationship

We reach out to your client directly, handle the intake and coordination, and deliver the service. You never need to manage the back end.

03

You stay informed

We keep you informed at the right milestones so you know your client is being looked after, without sharing their private financial details.

Your client's privacy is protected

The referring professional never sees the client's private financial information.

Get your referral link

About the Smith Manoeuvre: The Smith Manoeuvre is a leveraged-investment strategy. Interest deductibility depends on the use of borrowed funds, proper tracing, and individual circumstances under Canada Revenue Agency rules, and is not endorsed or validated by the CRA. Leverage magnifies both gains and losses. Nothing here is tax, legal, or accounting advice. Suitability is assessed for each client individually.

Financial Advisors

If you have clients interested in the Smith Manoeuvre™ but want implementation support, we assist them for a client-paid fee while you keep the relationship and the underlying business. You can also receive a branded PPM referral link so your clients' mortgages can be reviewed for potential interest savings, and a dedicated Canadian Mortgage App branded for your practice.

How to start: book a call and let us know you're an advisor — we'll set up your referral link and your branded app.

Insurance Agents

You can receive a dedicated Canadian Mortgage App branded for you, and a branded PPM referral link to refer clients for a mortgage savings review. For clients interested in the Smith Manoeuvre™, we provide implementation assistance for a client-paid fee — complementing your insurance business rather than competing with it.

How to start: book a call and mention you're an insurance agent, and we'll get your tools set up.

Mortgage Brokers

Where a client of yours wants to pursue the Smith Manoeuvre™, we provide implementation assistance for a client-paid fee. You keep the mortgage business; we add the Smith Manoeuvre implementation piece as a specialized service alongside it.

How to start: book a call and let us know you'd like to coordinate on a Smith Manoeuvre implementation.

Realtors

Request a free mortgage feature sheet for your open house — our team prepares a professional, branded feature sheet with mortgage details for your listing and sends it back to you, at no cost. You can also receive a branded PPM referral link, a dedicated Canadian Mortgage App branded for you, and Smith Manoeuvre™ implementation assistance for any clients who want it (client-paid fee).

Lawyers

You can refer clients to us through a branded PPM referral link for a mortgage savings review, and for clients interested in the Smith Manoeuvre™, we provide implementation assistance for a client-paid fee. This lets you offer your clients access to these services without taking on the work yourself.

How to start: book a call to set up your referral link.

Insolvency Trustees

You can refer clients through a branded PPM referral link for a mortgage savings review, and where appropriate for a client's situation, we offer Smith Manoeuvre™ implementation assistance for a client-paid fee. As with all our partnerships, you keep the client relationship and we handle the specialized piece.

How to start: book a call to set up your referral link.

FOR REALTORS

Request a Mortgage Feature Sheet for Your Open House

Need a feature sheet for an upcoming open house?

Our online form is on its way. In the meantime, reach us directly — email clarity@clearstonefinancial.ca or call +1 (902) 892-8393 and we'll take it from there.

Feature sheets are produced using third-party software (Bendigi Technologies / Canadian Mortgage App). Any figures shown are estimates for illustration only, not an offer of credit or a guarantee of any rate, payment, or approval. Please don't include your client's Social Insurance Number, government ID, or banking details in this form.

Nick Gaudet serves as Financial Advisor, Life Insurance Agent, and Mortgage Broker. Mortgage brokering is delivered through Vine Mortgage under provincial licence. Clearstone provides coordination, intake, and strategic context, and its materials supplement but never replace Vine Mortgage's regulated documents. Referral arrangements do not change the professional advice or fiduciary obligations you owe your own clients.

Let's Work Together

Book a call to set up your partnership with Clearstone.

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