True North Retirement Counsel

We work with a select group of clients one on one, taking them through our unique planning process - The Fearless Retirement Blueprint.

First we'll help you articulate the vision you have for your future. Next we’ll work to get a full understanding of your financial situation. Only then can we start to craft a plan to best utilize the financial resources you have to bring your vision to life.

Putting your plans into action is key to ensuring success. Your customized retirement plan will include recommendations that must be implemented. You’re free to do this with us and we’d be delighted to work with you to that end. However, you’re under no obligation to do so. If you choose to work with us in the implementation phase, we are able to connect you with a registered portfolio manager that can offer a wide range of competitive investment and we can offer you insurance solutions. We partnered with Q Wealth, a portfolio management firm, who offers a personalized approach to investment management and tailored solutions that match with your vision. It's where your money meets meaning.

About True North

Meet Our Team

Planning is our passion and we work hard every day to bring your dreams to life.

Conrad Toner B.A. CFP® CLU CIM®

Founder & Partner
Associate Portfolio Manager, Quintessence Wealth

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Conrad Toner

B.A. CFP® CLU CIM®

Founder & Partner, True North Retirement Counsel
Associate Portfolio Manager, Quintessence Wealth

Conrad Toner is a Certified Financial Planner® with nearly 30 years of experience specializing in comprehensive, fee-based financial life planning. He holds the CFP™, CLU™, and CIM™ designations, along with a bachelor’s degree in psychology—an academic foundation that informs his client-centered, “life planning” approach.

Conrad works with a select group of families to help them make sound financial decisions and navigate major life transitions with confidence. His process-driven, objective guidance is designed to provide clarity, consistency, and peace of mind, particularly for those approaching or living in retirement.

Conrad’s work has been recognized across the industry. He received an Honourable Mention for Advisor of the Year – 2005 (Advisor.ca), won the 2016 Plan Plus Canada Financial Planning Awards, and was named 1st Runner-Up in the Plan Plus Global Financial Planning Awards (Americas) that same year. He is also the author of Fearless Retirement: How to Retire Without Financial Worry, which earned a Silver Medal at the Independent Publisher Book Awards in 2013.

Conrad has been married to his wife and business partner, Lori, for 37 years. Together, they have two adult sons. He remains committed to continuous improvement in his craft and the clients he serves.

Lori Toner B.A.

VP of Operations

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Paulo Songane CFP® CIM®

Certified Financial Planner, Relationship Manager
Associate Portfolio Manager, Quintessence Wealth

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Quintessence Wealth (Q Wealth) is a partnership that is registered as a portfolio manager, exempt market dealer and investment fund manager. The portfolio manager registration allows Q Wealth to provide investment advice to its clients. The exempt market dealer registration allows Q Wealth to engage in trading activity. These services are provided by Q Wealth through registered advising representatives and dealing representatives, respectively.

Q Wealth is a partnership that is owned by its partners, including True North Retirement Counsel. As a client of Q Wealth, you may receive services from both Q Wealth and True North Retirement Counsel. Note that individuals from True North Retirement Counsel will only provide investment advice and trading advice if they are registered as advising representatives and dealing representatives of Q Wealth, and in providing such services, they will be doing so on behalf of Q Wealth only. True North Retirement Counsel may however provide wealth management services such as financial planning, estate and retirement planning, insurance, group benefits and others.

Q Wealth Partners is a registered trade name of Quintessence Wealth, a registered as a Portfolio Manager in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Prince Edward Island, Quebec, Saskatchewan and Yukon, an Investment Fund Manager in Newfoundland and Labrador, Ontario, and Quebec, an Exempt Market Dealer in Alberta, British Columbia, Manitoba, New Brunswick, Newfoundland and Labrador, Nova Scotia, Ontario, Quebec, and Saskatchewan, and a Commodity Trading Manager in Ontario. The Ontario Securities Commission (OSC) is the principal regulator for Quintessence Wealth. Please visit www.qwealth.com for more information.

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