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Guiding You to Financial Freedom

Trust | Experience | Passion

Todd helps his clients make intelligent financial and investment decisions through his unique planning method that he believes will help revolutionize how Canadians plan and save for retirement. This unique planning method and investment principles are featured in his new book,  titled: “The Wealthy Breakfast Club1

Todd A. Sudds, CFP  

Senior Financial Advisor, Manulife Securities Incorporated
Life Insurance Advisor, Manulife Securities Insurance Inc.


A Senior Financial Advisor with over 2 decades of solid experience in the financial industry, Todd obtained his Certified Financial Planner, CFP designation in 2001. Todd clearly has enthusiasm for what he does. Todd devotes a great deal of time and resources to meet with top rank money managers on a continuous basis to remain current on market trends and opportunities. He has also attended 8 Berkshire Hathaway Shareholder meetings in Omaha, Nebraska and personally met Warren Buffett and his business partner, Charlie Munger.

Todd adheres to the two rules of investing and finance as espoused by Warren Buffett: “Rule No.1 is never lose money.  Rule No.2 is never forget rule number one.”

Todd is the designer and developer of a leading-edge retirement plan. Unique to his plan is a specialized system of calculations designed to provide the most realistic and customizable retirement plan possible. A key feature of the retirement plan is developing a tax efficient strategy for his clients to spend and enjoy their savings in retirement. The plan also establishes quantifiable benchmarks and milestones that are paramount to tracking progress annually – both prior to and in retirement.

In addition to advising and educating his clients on making intelligent financial and investment decisions, Todd also has a passion for health and wellness and enthusiastically shares health tips with his clients. Besides, what good is the wealth, if you don’t have your health to enjoy it!

Todd also follows the “Noah Principal” and that is “Predicting rain doesn’t count, building arks does.” Todd believes there is no room for speculation when it comes to investments and finances.  

Todd also holds his Ontario Life Insurance designation and helps his clients plan for their insurance needs for life, disability, critical illness, accident and sickness. With his Ontario Life Insurance designation, Todd has the additional flexibility to work with several top insurance companies in Canada to research and determine who is offering the best value that will address his client's needs.

Todd works closely with his clientele to enhance all aspects of their financial security, including:

  • Investment Management
  • Retirement Planning
  • Tax Planning
  • Estate Planning
  • Business Planning
  • Group Retirement Plans
  • Insurance
  • Health, Dental & Travel Insurance
  • Mortgage & Debt Consulting
  • Banking Services