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Helping our clients reach their financial goals

THROUGH QUALITY AND CONSCIENTIOUS SERVICE


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Your Money. Your Unique Journey.

When it comes to your financial future, the decisions you make today can change the course of your life. Choosing the right financial strategy, considering long-term care, preparing for retirement and navigating these complex matters can quickly become overwhelming.


Meet the Team

It is our mandate to serve our clients with integrity, honesty and satisfaction. 

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Services & Solutions

Be it Financial Planning, Retirement Income Planning or Estate Planning, we are here to help you achieve your dreams. 

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Client Resources

Your financial life doesn’t have to be complicated. Bookmark this helpful page for your one-stop-shop for your financial tools and Resources.

Check out our financial Resources

About Us

We succeed by providing excellent client service and expert advice to individuals, families, and businesses in many facets of tax and financial planning.

We honour our fiduciary duty above all, and practice full disclosure, due-diligence, and client communication. We work in a collaborative atmosphere with our clients, with whom we reach mutual agreement on every phase of the financial planning process.

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Fritz Financial Planning Limited was created in 2003 to provide a complete Financial Planning experience for our clients.  Although, the company may have started in 2003, it is based on the ideals of Fritz Steigmeier, who began providing Financial Planning help for his clients in 1983.  It is our mandate to serve our clients with integrity, honesty and satisfaction.  In our complex world, we are here to help you achieve your financial goals by providing a framework to make important decisions.

Be it Financial Planning, Retirement Income Planning (The Fun Retirement Program) or Estate Planning, we at Fritz Financial Planning Limited are here to help you achieve your dreams.

Fritz Steigmeier, BA, CFP, CLU, CHS Photo

Fritz Steigmeier, BA, CFP, CLU, CHS

Financial Planner
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Fritz Steigmeier BA, CFP, CLU, CHS

Financial Planner - Manulife Securities Investment Services Inc.
Life Insurance Agent - Fritz Financial Planning Limited

Fritz entered the financial arena in 1983 through the life insurance industry, after earning a Bachelor of Economics degree from University of Western Ontario.   He quickly determined that to better serve his clients, he needed to incorporate a planning approach. With graph paper in hand and a calculator, he developed his first financial plan.

Since then Fritz has improved his technical skills through education, obtaining his CFP (Certified Financial Planner) designation, his CLU (Chartered Life Underwriter) designation, and his CHS (Certified Health Insurance Specialist) designation.  He has also left his graph paper behind and now incorporates state of the art Financial Planning software. However, Fritz is quick to point out, the key to a great financial plan is not the technology or the designations, but to listen to our clients, to understand their goals, and be their financial coach as they strive to reach their goals.

Fritz was born and raised in Stratford, where he now lives with his wife Brigitte. He is an active member of the Rotary Club of Stratford, where he served as a Club President in 2007-2008. You can find Fritz at the local YMCA early each morning, where he tries to keep in shape to pursue his other passions; skiing, dragon boating and golfing.

Phone: (519) 271-2722
Fax: (519) 271-2792
Investment Inquiries: Fritz.Steigmeier@manulifesecurities.ca
Insurance Inquiries: fritz@fritzfinancial.ca

Joanne Ehgoetz Photo

Joanne Ehgoetz

Marketing Assistant
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Joanne Ehgoetz

Marketing Assistant, Manulife Securities Investment Services Inc.

Joanne joined Fritz Financial Planning in January 2011, but has been a marketing assistant in the financial services industry for 24 years.

 Joanne enjoys volunteering with the Sebringville Optimist Club, currently serving as Youth Committee Chair. She is also active at her church, currently serving as the Chair of the Official Board and Chair of the Property Committee.

She lives in Sebringville with her husband Earl. They have three children, a cat and a dog.

Phone: (519) 271-2722
Fax: (519) 271-2792
Investment Inquiries: Joanne.Ehgoetz@manulifesecurities.ca
Insurance Inquiries: joanne@fritzfinancial.ca


6-step Financial Planning Process

It is our mission to understand your hopes and dreams, no matter how simple or complex they may be, then customize a plan and provide you with a track to run on to achieve your financial goals.  Your Plan does not end there.  We will be with you along the way to make sure you stay on track and make adjustments as life happens.  We are here to help every step of the way.

STEP 1: Establish the client—planner engagement

We explain or document the services to be provided and define the responsibilities along with the responsibilities of the client. The advisor and client should agree on how long the relationship will last and on how decisions will be made.

STEP 2: Gathering client data and determining goals and expectations

We will asks about your financial situation, personal and financial goals and attitude about risk. We then gather all necessary documents at this stage before giving you any sound advice.

STEP 3: Analyzing and evaluating the client's financial status

We analyze the information to assess your current situation to determine what must be done to achieve your goals. Depending on the services requested, this assessment could include analyzing your assets, liabilities and cash flow, current insurance coverage, investments or tax strategies.

STEP 4: Developing and presenting the financial strategy recommendations and/or alternatives

We will offer educated recommendations that address your goals, based on the information you have provided. We review our professional recommendations with you to allow you to make the best informed decisions. We listen to your concerns and considerations, and revise our recommendations as appropriate.

STEP 5: Implementing the financial strategy recommendations

We work with you to agree upon how each recommendation should be carried out. Together, we may choose to have us carry out the recommendations for you or serve as a "coach", coordinating the process with you and other professionals such as attorneys or stockbrokers.

STEP 6: Monitoring the financial strategy recommendations

Together we will agree upon who, and how, we will monitor your progress towards your financial goals. We report to you periodically to review the financial situation and adjust any recommendations as needed. As our client, we will always keep you informed and knowledgeable when it comes to your financial strategy and situation.

Services & Solutions

The Value of Advice

Your financial world is constantly changing and understanding how or if it affects you can be overwhelming. That’s why the value of financial advice is more important now than ever before. We aim to help simplify your goals, giving you added confidence in your financial decisions – now and in the future.


Insurance Solutions

Insurance Solutions

It’s not what we have in life, but who we have that matters. With the right Insurance solutions, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice and expertise for solutions tailored to your needs. Some of which include:

  • Travel, Life and Health insurance
  • Disability and Critical illness protection

Estate Planning

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. Depending on your unique situation, there are different ways to achieve your estate planning goals, including business succession, wills, beneficiary designations, powers of attorney, trusts, tax strategies, and charitable gifts. 

TRY THESE ESTATE PLANNING RESOURCES

Estate Planning

Investment Solutions

Investment Solutions

Whether you’re investing for the first time, saving for the future or embarking on retirement, we can help you enjoy today while you prepare for tomorrow. Save, Invest and grow your wealth with strategies based on your unique priorities. We can provide educated advice and expertise in solutions such as:

  • Registered retirement plans (RRSP, RRIF)
  • Locked-in retirement account (LIRA)
  • Registered education savings plan (RESP)
  • Tax-free savings account (TFSA)

Planning for Retirement 

To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in the potential to grow your future income stream. Whether your focus is travel, leisure, or reaching new goals, there’s one factor that plays a role in every successful retirement — good planning. 

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Planning for Retirement

Banking Solutions

Banking Solutions 

Banking today is about instant access – whether you’re paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your financial goals.

LEARN MORE ABOUT MANULIFE BANK

OPEN AN ADVANTAGE BANK ACCOUNT TODAY!

Group and Business Solutions

Find simple, cost effective and tax efficient plans to attract and retain the best talent. Stay competitive as an employer and keep your plan members engaged by helping manage their health and wellness. Whether you are a small or large business, we will meet with you to assess your needs and explain your options, some of these could include: 

  • Group benefits & Group retirement
  • Group pension 
  • Competitive employee benefits
  • Business and key-person insurance

Group and Business Solutions


For more information on services and solutions for your financial needs...

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