Your path to financial freedom starts today.
As a mortgage broker, I've witnessed firsthand the challenges Canadian homeowners face. Rising costs, economic uncertainty, and the pressure of balancing mortgage payments with retirement planning leave many feeling like they're running in place financially.
What's become increasingly clear is that traditional financial advice often falls short. Most Canadians are told to pay down their mortgage first, then start investing—a sequential approach that costs them decades of potential growth and tax advantages.
That's why I became a Smith Manoeuvre Certified Professional™.
This strategy offers a powerful alternative that allows homeowners to convert their mortgage into a wealth-building tool without finding extra room in their monthly budget.
What drives me is helping clients achieve financial outcomes they once thought impossible. By transforming how your largest expense works for you, we can create a path to both mortgage freedom and investment growth simultaneously.
Let's explore how this approach might work for your specific situation.
-Nicholas
Nicholas Gaudet, Mortgage Broker
Smith Manoeuvre Certified Professional™
The Smith Manoeuvre™
It's time to master your mortgage
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Ready to see how The Smith Manoeuvre™ could transform your financial future?
Get immediate access to our free mini-course below!
In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.
Come learn more at our next live webinar.
Has your interest been piqued? Come join us for our next completely free monthly webinar.
Held on the fourth Monday of each month, this session offers all Canadians the opportunity to learn The Smith Manoeuvre™ basics directly from a member of our leadership team.
No pressure, just practical information to help you decide if this strategy is right for you.
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Your Smith Manoeuvre Certified Professional™
Nicholas Gaudet
Nicholas Gaudet is the Founder of Clearstone Financial Group, a wholistic financial advising firm dedicated to helping Canadians achieve financial success, accelerate their investment portfolios through strategic debt restructuring, and ensuring clients, their families, and their legacies are protected.
As a Smith Manoeuvre Certified Professional (SMCP), Nicholas provides a rare blend of expertise focused solely on maximizing the tax-efficiency of a client's largest asset: their mortgage.
The Integrated Advantage
Nicholas’s practice is built on a crucial combination that few advisors offer:
- Mortgage Brokerage Expertise: As a mortgage broker, Nicholas is not just able to advise on the Smith Manoeuvre; he can directly structure the necessary re-advanceable mortgage products required to execute the strategy.
- Integrated Financial Strategy: As an investment and insurance advisor, Nicholas ensures the borrowed capital is deployed into tax-efficient investments that align with the client’s comprehensive risk tolerance and overall financial goals.
Why Work with an SMCP?
The Smith Manoeuvre is a powerful technique, but it must be executed precisely for CRA compliance and maximum benefit. Nicholas's expertise is focused on helping clients:
- Achieve Compliance: Ensure the process adheres strictly to the CRA's rules for interest deductibility.
- Accelerate Wealth: Systematically turn non-deductible debt into deductible debt.
- Minimize Risk: Implement safeguards to protect the client's position throughout the entire process.
Nicholas operates on the philosophy that every dollar spent on a home can also be a dollar invested for the future. He is dedicated to providing the clarity and professional guidance needed to make this sophisticated strategy a safe and effective reality for his clients.
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