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Financial advisors in St. Catharines

34 advisory teams and firms in St. Catharines, Ontario.

🏆 Top financial advisors in St. Catharines: the ranking

St. Catharines in figures

136,803residents in 2021 (+2.8% since 2016)
$72,500median total household income, 2020
64.4%of households own their home
$548,000median dwelling value
23.3%aged 65 and over
26.8%of 25-64 year-olds hold a bachelor's degree or higher

Source: Statistics Canada, 2021 Census of Population (2020 incomes).

Wealth planning issues in St. Catharines

When to take CPP and how to draw down a RRIF in St. Catharines?

23.3% of St. Catharines residents are 65 or older. When to take CPP and OAS, and in which order to draw from the RRIF, TFSA and non-registered accounts, is where retirement income is decided.

How long will your savings last? →

Buy or rent in St. Catharines with rents rising?

The average two-bedroom rent rose 5.5% in one year in the St. Catharines area (CMHC). Buying with an FHSA or renting and investing depends on your horizon.

Buy or rent: calculate →

Where to invest your savings in St. Catharines: RRSP or TFSA?

Only 32.1% of tax filers in the St. Catharines area report dividend or interest income (Statistics Canada). Much of the savings sits idle: RRSP, TFSA and diversified investments change that.

RRSP or TFSA? →

Savings and high incomes in the St. Catharines-Niagara area

16.9%of tax filers contributed to an RRSP
$3,100median RRSP contribution
7.1%of tax filers in Canada's top 10% (over $116,500)
0.5%in Canada's top 1% (over $293,800)

Among people with income in the St. Catharines-Niagara area, in 2023:

32.1%report dividend or interest income (median $770)
8.9%report capital gains (median $1,700)
21.3%receive a private pension (employer plan, RRIF, annuity)
11%have a total income of $100,000 or more

Source: Statistics Canada, tables 11-10-0044-01 (RRSP contributors) and 11-10-0055-01 (high income tax filers, national thresholds, total income), 2023; T1 Family File, tables 11-10-0004-01, 11-10-0007-01, 11-10-0067-01 and 11-10-0070-01, 2023. Census metropolitan area or agglomeration.

Rents in the St. Catharines-Niagara area

$1,527average monthly rent, two-bedroom apartment (October 2025)
+5.5%in one year, same units
3.9%vacancy rate (3.8% a year earlier)

Source: CMHC, Rental Market Survey, October 2025, privately initiated apartment structures of three units and over.

Frequently asked questions

How many financial advisory firms are there in St. Catharines?

Advisor Index lists 34 advisory teams and firms in St. Catharines, Ontario: independent firms whose website shows their registration, and teams published by the large networks in their advisor locators.

How do I check a financial advisor in St. Catharines?

Look the person up in CIRO's AdvisorReport and with your provincial securities regulator, ask which credential they hold (CFP, QAFP, or a title protected by your province), and ask how they are paid: fees, commissions on products, or both.

Other cities in Ontario

Check any advisor in the CSA National Registration Search and CIRO's AdvisorReport before you commit. No firm pays to be listed.

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