About Inswest & Our Services
Financial planning is personal. Inswest brings knowledge, experience, and compassion together to help clients navigate important decisions with greater clarity and confidence.
About Inswest Financial Group
Inswest Financial Group Ltd. provides financial planning guidance using insurance and investment solutions to help clients work toward their individual financial goals. Led by Tim Ramsay, Senior Manager, CFP, CLU, Ch.F.C., CPCA, EPC, the approach focuses on understanding what each person is trying to accomplish, explaining the options available, and building a strategy around their circumstances.
A key focus is helping seniors and retirees better understand the choices available for their accumulated savings, retirement income, tax-conscious planning, beneficiary considerations, and the next stages of retirement. Inswest also supports business owners and families with broader financial planning needs.
Beyond client planning, Tim is focused on mentoring licensed financial professionals who want to develop their knowledge, strengthen their businesses, and learn from more than four decades of industry experience.
TIM RAMSAY
SENIOR MANAGER
CFP · CLU · Ch.F.C. · CPCA · EPC
The Person Behind Inswest
Inswest Financial Group Ltd. is built around a straightforward idea: financial guidance should begin with understanding the person, not simply the numbers. After more than 43 years in the financial industry, Tim Ramsay sees experience as something to put to work.
Rather than simply stepping away from the industry, his focus is on using what he has learned to help seniors, families, business owners, and licensed financial professionals make more informed decisions about what comes next. For clients, that means helping make financial options easier to understand and looking beyond a single product or decision. For licensed professionals, it means sharing decades of practical experience through education, support, and mentorship.
"Why should I just retire if I can benefit other people with my experience?"
Tim Ramsay, Senior Manager · CFP, CLU, Ch.F.C., CPCA, EPC
Mission, Vision & Core Values
To help individuals, families, and business owners protect what they have built, grow their legacy, minimize taxes through appropriate planning strategies, and make informed financial decisions for the future.
Planning strategies are explored together and tailored to each client's circumstances. No specific tax savings or financial outcomes are guaranteed.
To be a trusted source of financial guidance where clients feel informed, understood, and supported through every stage of their financial journey.
Knowledge
Clear financial information helps clients better understand their choices and make more informed decisions.
Experience
Applying practical financial insight to help clients navigate their goals, priorities, and changing circumstances.
Compassion
Financial decisions affect real people and families. Every conversation should begin with listening, understanding, and respect.
We Start by Understanding What Matters to You, Then Help Make the Financial Conversation Clearer.
Inswest brings knowledge, experience, and compassion to financial conversations so clients can better understand their options and make informed decisions based on their individual priorities.
WHAT THAT PROMISE MEANS
Your priorities come before the strategy. We start by understanding your questions, circumstances, goals, and concerns.
Financial information should be understandable. We help make complex topics clearer so you can participate meaningfully in conversations about your financial future.
One approach does not fit everyone. We keep the conversation connected to your circumstances and priorities rather than relying on generic recommendations.
Today's decision can be part of a bigger picture. We consider how financial conversations may connect with retirement, business, family, protection, taxes, and legacy.
Financial guidance should fit the person, not the other way around.
Knowledge to Inform. Experience to Guide. Compassion to Keep It Personal.
Rather than building around products alone, Inswest combines knowledge, experience, compassion, and personalized guidance to help clients connect financial considerations with their individual priorities, supported by Tim Ramsay's 43+ years of financial-industry experience.
Financial Guidance for What Comes Next
Different stages of life and business bring different financial questions. Inswest helps clients explore their options, understand important considerations, and approach planning with their individual priorities and long-term goals in mind.
RETIREMENT & INCOME PLANNING
Turning accumulated savings into a thoughtful retirement plan.
For seniors and individuals approaching retirement, conversations can focus on how accumulated savings fit into income needs, long-term priorities, tax considerations, and legacy goals.
Retirement Has More Than One Chapter
Retirement planning can consider life as a couple as well as the financial needs and priorities that may change when one partner is left to continue the journey independently.
BUSINESS OWNER & PRIVATE PENSION PLANNING
Planning for the person behind the business.
For business owners, financial planning can extend beyond the company itself. Inswest can help clients explore private pension planning and consider how business, retirement, personal wealth, and long-term goals may fit together.
FAMILY FINANCIAL PROTECTION
Planning with the people who matter in mind.
Help individuals and families consider financial protection as part of a broader plan for the people, responsibilities, and future goals that matter to them.
TAX-CONSCIOUS PLANNING
Consider taxes as part of the bigger picture.
Explore financial strategies with tax implications in mind while helping clients understand how different considerations may connect with their broader financial plan.
Individual tax circumstances vary. Specific strategies should be discussed based on each client's situation and appropriate professional guidance.
Tax-Conscious Strategies
Integrating tax awareness throughout your retirement, investments, and wealth preservation.
Enduring Legacy
Connecting financial decisions with what matters most to your family across generations.
ESTATE & LEGACY CONSIDERATIONS
Think beyond today.
Help clients consider how long-term financial decisions connect with family, business, estate, and the legacy they hope to leave behind.
The Bigger Picture
These conversations do not always exist in isolation. Inswest looks at financial priorities together and considers how one decision may connect with another.
Financial Guidance for Real Life
Seniors & Retirees (65+)
You've spent years building your savings. The next question is how those savings support the life ahead.
For seniors and retirees who have accumulated savings and want to better understand their options for creating income, preserving wealth, managing taxes through appropriate strategies, and planning for the legacy they want to leave behind.
Key Considerations
- Retirement income planning
- Understanding options for accumulated savings
- Tax-conscious planning
- Insurance and investment education
- Beneficiary considerations
- Couple and survivor planning
- Estate and legacy considerations
Business Owners, Families & Multiple Generations
Planning that connects the business, the family, and the people who matter most.
For business owners looking beyond day-to-day operations and families planning across multiple generations.
Key Considerations
- Private pension planning
- Personal and business financial planning
- Business succession considerations
- Family financial protection
- Beneficiary and legacy planning
- Multigenerational financial conversations
- Long-term family priorities
Licensed Financial Professionals
You've earned your licence. Now how do you build the career and business you want from it?
For licensed financial professionals who want more opportunity, support, and professional development.
Key Considerations
- Mentorship
- Professional education
- Business development
- Financial-industry experience
- Compliance support
- Marketing support
- Business-building support
- Long-term professional growth
Helping Financial Professionals Build What's Theirs
After more than 43 years in the industry, Tim wants to use his experience to mentor licensed professionals who are serious about developing their knowledge and building stronger financial practices through mentorship, education, business support, and growth opportunities.
- Mentorship grounded in 43+ years of experience
- Professional education and licensing development
- Business development and practice building
- Compliance and practical industry guidance
- Marketing and client-conversation support
- Long-term professional growth and community
You Don't Need to Have Every Answer Before Starting the Conversation.
Start a conversation about the financial priorities that matter to you.