INDEPENDENT BROKERS SINCE 1966
Looking after the people who build Canadian business.
Group benefits, group retirement and savings, business solutions, and financial planning for the owners and executives behind them. Six decades of independent, advice-first guidance, from Kitchener-Waterloo.
Since 1966
Independent and locally owned
60+ years
Of advice, across three eras of leadership
Since the 1970s
Serving Canadian employers with class-leading solutions
20+ team members
An accredited team based out of Kitchener-Waterloo
WHAT WE DO
Four connected areas,
one relationship
Four ways we support an organization and its people.
Every business is different, and so is every plan. We bring the four parts of corporate financial wellbeing under one roof, so the pieces work together instead of pulling apart.
01 / Benefits
Group Benefits
Health, dental, disability, and life coverage your team understands and actually uses.
02 / Retirement
Group Savings & Retirement
Workplace savings and pension plans that help people retire well, at fees that respect them.
03 / Business
Business Solutions
Protecting the business itself, through succession, key person, and shareholder planning.
04 / Planning
Financial Planning
Clear, advice-first planning for the owners and executives who carry the company.
OUR STORY
Where we began
We were built for this work.
In the late 1970s, our co-founder Glen Livock did something the industry would not. He wrote group benefit contracts for companies with as few as five employees, at a time when most carriers would not look at a business under twenty. He believed a small company's people deserved the same protection as a large one's.
More than forty years later, that conviction still defines us. Workplace plans are not a new direction for Wagner, Livock & Associates. They are where we began.
HOW WE WORK
Advice first, always
Advice first. Always has been.
Our founder Bob Wagner put his whole career down to one habit: take the time to listen first, before you try to help. It still describes how we work.
Listen
1
We start by understanding your business, your people, and what you are trying to protect.
Design
2
We build the plan around your goals and budget, drawing on the whole market rather than a single provider.
Implement
3
We handle the set-up, the paperwork and the communication, so your team knows what they have.
Review
4
We stay with you. Every renewal brings a clear read on your claims, your costs, and where we go next.
INDEPENDENCE
Why independent matters
We answer to you, not to a head office.
We are independent, and we are owned by no insurer and no bank. That means we can take your plan to the whole market, recommend what is right for your situation rather than what we were told to sell, and stay in your corner when a claim or a renewal gets complicated. Our only obligation is to the client in front of us.
TESTIMONIALS
In their words
What people are saying.
“For over 25 years, WLA has been our broker of record and a trusted advisor, serving as a consultant for our group retirement and benefits plans. Their strong governance, structured oversight, innovation and dedication to best practices and service excellence have greatly benefited our organization and ensured the long-term success and sustainability of our programs.
Their level of stewardship has provided us with confidence that our organization and members are well supported now and into the future and is integral to our Canadian corporate wellness program.”
- L.H.“I have worked closely with Omar Mclean from Wagner, Livock and Associates since 2019 and I have found them to been instrumental in helping me manage my overall financial strategy in a way that aligns with my personal goals for many years.
As someone who has taken an active approach in managing my financial strategy, I have really appreciated Omar's pro-active and swift responses from optimizing my contribution levels across RRSP and non-registered accounts, to providing thoughtful investment recommendations and long-term financial planning, the support has been both positive and tailored to my needs. In addition, WLA has helped me better understand and fully appreciate the value of the benefits provided through my employer, ensuring I'm making the most of the plan and how it fits into my broader financial picture.
What stands out most is the level of attention and follow-through. Whether it was reviewing my retirement readiness, adjusting my portfolio, or resolving contribution discrepancies, the team has been responsive, thorough, and committed to ensuring everything is handled properly. I've valued the ongoing communication and the ability to revisit and refine my plan throughout the year.
Overall, the experience has given me a high level of confidence in both my investment strategy and long-term financial outlook and I would recommend Omar and the broader WLA to my colleagues.”
- R.M.“After more than 30 years as a Financial Advisor. choosing a succession partner was one of the most important personal decisions of my career. It was a priority to ensure that my clients - many of whom are friends, family and other important relationships in my community - would continue to receive the same trusted advice and personal attention they had come to expect.
Wagner, Livock & Associates Financial Services Inc. (WLA) exceeded my expectations in every respect. In the beginning, my relationship with WLA was advisor services only (ASO). This infrastructure allowed me to focus on my clients and growing my business and remain autonomous.
Beyond the numbers, WLA's philosophy centres on compliance, service, financial planning, and innovation at the highest standard, which was evident throughout working with them.
Throughout the transition, my clients and I greatly valued their stability, reputation and long-term vision. They are a trusted name in the community with a large team of advisors, support staff and specialists, and are backed by service infrastructure that enhances the client experience. I have no doubt that they will continue to serve clients and the community for generations to come.
Most importantly, they honoured my professional legacy. They acknowledged and appreciated the goodwill I had built throughout my career and treated it with the respect it deserved. Knowing that my clients are well cared for, and that my life's work is being carried forward by a team I trust, has given me both peace of mind and pride.
For any advisor considering their own succession, whatever it may look like, I wholeheartedly recommend Wagner, Livock. They have the infrastructure, resources, values, and integrity to make the process not only successful, but deeply rewarding.”
- F.M.Let's talk about your plan.
Whether you have a question, an idea, or just want to say hello, feel free to reach out, we’re here to help.