_edited.jpg)
Professional Wealth Advice - Not Just Bank-Level Guidance
Work directly with a Associate Portfolio Manager who holds the Chartered Investment Manager® and Personal Financial Planner ® , designations, offering discretionary investment management and goal-driven financial planning tailored to your life.
Associate Portfolio Manager & Financial Planner | Manulife Wealth Inc.
Life Insurance Agent | Downing Wealth Management Inc.
About Justin Downing BBA, CIM®, PFP®
Our Approach
Downing Wealth Management is led by Justin Downing, BBA, CIM®, PFP®, an indepedndant licensed Associate Portfolio Manager, Chartered Investment Manager, and Personal Financial Planner.
Justin entered the financial services industry in 2010 after serving in the Royal Canadian Navy, where he developed a strong foundation in discipline, accountability, and service. Principles that continue to guide his work with clients today.
We provide fiduciary-level investment advice, comprehensive financial planning, and custom insurance solutions to professionals, business owners, and families across Canada.
At the core of our practice is a simple principle: We don’t sell products—we deliver a a service.
As an independent firm, we’re not tied to any bank, product shelf, or sales quota. Every recommendation is made in your best interest, based on your goals, risk comfort, and long-term plan.
We use Conquest, Canada’s leading financial planning software, to build and maintain personalized plans for every investment client, reviewed annually and accessible 24/7. Your investments are managed with discretionary authority, allowing us to act quickly and efficiently when opportunities arise or markets shift.
With a small, dedicated team, we offer a genuinely personalized experience, free from the layers and handoffs of larger institutions. Meetings are held virtually, making expert advice accessible anywhere in Canada.
This is true independent wealth management—built on trust, not transactions.
What You Can Expect From a True Wealth Partner
Investment Management
Professional-Grade Advice, Not Just Bank-Level Guidance
Most Canadians don’t realize that many financial advisors, especially at big banks, are only licensed to sell mutual funds and follow pre-set models. That’s not the case here.
As a licensed Associate Portfolio Manager, I’m held to a fiduciary standard, the highest duty of care in the industry. That means your portfolio isn’t built from a shelf of generic products it’s strategically managed and fully aligned with your life goals, tax situation, risk comfort, and timeline.
We combine discretionary portfolio management with comprehensive financial planning, so you don’t just get advice, you get a personalized strategy that evolves with you.
Whether you're growing your wealth, preparing for retirement, or looking ahead to your legacy, we provide the clarity, accountability, and professionalism you deserve.
Financial Planning
Your Life, Your Goals, Your Plan
As a holder of the Personal Financial Planner (PFP®) designation, I believe every investment decision should be rooted in a clear, personalized financial plan. That’s why all investment clients receive a comprehensive, goals-based financial plan at no additional cost.
Your plan sets the tone for everything we do. It defines your priorities, establishes clear targets, and becomes the roadmap we review together each year to track progress and make adjustments as life evolves.
We use Conquest, Canada’s leading financial planning software, to build and maintain your plan. You’ll also have real-time access to your plan anytime, so you can stay informed and in control.
This isn’t just about numbers, it’s about making confident decisions with purpose and clarity.
Insurance Solutions
Risk Management - Protect What Matters Most
A sound financial plan isn’t complete without a strategy to manage risk. We offer customized insurance solutions such as life, disability, and critical illness coverage to protect your income, your assets, and the people who depend on you.
Our approach goes beyond selling policies. We design integrated protection strategies that work in harmony with your investment and estate planning goals.
Transparent, Fee-Based Advice
No Commissions. No Sales Quotas. Just Advice That Puts You First.
We’re not paid to sell products and we think that matters.
At Downing Wealth Management, we offer fee-based, fiduciary advice, meaning we’re compensated for the quality of our service not the products you choose.
That allows us to stay objective, transparent, and fully aligned with your best interests at all times.
Beyond the Basics: Our Value to You
The Downing Wealth Management Difference
At Downing Wealth Management, I believe advice should be independent, transparent, and deeply personal.
As a fee-based advisor with CIM and PFP designations, my role isn’t to sell products, it’s to guide you with professional-grade advice tailored to your unique goals, tax situation, and timeline.
No commission bias. No one-size-fits-all portfolios.Whether you're a physician, business owner, or family planning your financial future, you’ll receive clarity, accountability, and proactive service at every stage.
How We Work
1. Discovery - We begin with a conversation — not a pitch. We get to know your financial situation, goals, values, and priorities.
2. Planning & Strategy - We create a personalized roadmap based on your risk profile, investment preferences, and life goals. This includes retirement, tax, and estate planning where appropriate.
3. Implementation - Your portfolio is constructed using a mix of low-cost ETFs, strategic active management, and tax-efficient solutions. Everything aligns with your plan — no boilerplate.
4. Ongoing Guidance, Life changes — and your plan should evolve with it. We stay in touch, monitor your portfolio, and adjust your strategy proactively. You’ll always know where you stand and why.
Let’s Connect - We’re Here to Help
Whether you’re starting to plan your future or looking for a second opinion, we’d love to hear from you. Use the form below and we’ll get back to you shortly.
By submitting your information in a form, you are providing us with your express consent to send you commercial electronic messages related to investments and/or insurance services that may be of interest to you. Should you wish to discontinue receiving emails from our office, you may contact us to withdraw your consent at any time. Your personal information will not be distributed, sold, or traded; it will remain strictly confidential and will only be used for the purpose for which it was provided.For more information on our commitment to privacy and responsible use of information, please see Manulife Wealth's Privacy Policy page.
