One Application
Access 75+ lenders, major insurance and investment carriers, and advanced strategies through one team.
One Conversation
Your mortgage knows about your insurance. Your investments know about your tax position. Nothing falls through the cracks.
One Point of Contact
No referral chains, no repeating yourself. We service everything under one roof, providing a true one-stop-shop for your finances.
We bridge the gap between financial disciplines. Instead of managing your mortgage in one place, your retirement and investment plan in another, and your life insurance in another, we see them as components of a single wealth strategy. Our independent status means we work for you, not the banks, providing a level of coordination rarely found in the traditional financial model.
Financial Advisory
Ongoing guidance that keeps every part of your financial life connected — not just the piece you called about. The thread that ties your insurance, mortgage, and investment decisions together.
Insurance & Segregated Funds
Protection and investment solutions that reflect your actual life — your income, your family, your mortgage, your goals. Delivered through IDC Worldsource Insurance Network Inc.
Investments
Insurance-based investment solutions coordinated with the rest of your financial picture. RRSPs, TFSAs, FHSAs, RDSPs, and non-registered accounts through IDC Worldsource.
Access to over 50+ lenders, including major banks and private options, tailored to your overall financial strategy.
A strategy designed to help convert non-deductible mortgage debt into potentially deductible investment debt. Interest deductibility depends on use of funds, tracing, and individual circumstances.
Comprehensive healthcare and retirement benefits for businesses looking to attract and retain top talent.
Why It Works Better Together
When your mortgage broker does not talk to your insurance agent, and neither of them knows your investment strategy, things fall through the cracks.
At Clearstone, every lane feeds into one coordinated view — so a mortgage decision accounts for your insurance, your insurance accounts for your investments, and your overall strategy stays intact.
That is the difference between having four separate professionals and having one coordinated practice.
Delivered Through
IDC Worldsource Insurance Network Inc.
Vine Mortgage
SMCPâ„¢ Certified
Insurance & Investment Solutions
Mortgage Brokering
Smith Manoeuvreâ„¢ Coordination
Licensed in Prince Edward Island, Nova Scotia, and New Brunswick for insurance. Licensed in Nova Scotia for mortgage brokering. Insurance complaints: OLHI, 1-888-295-8112, olhi.ca.