Insurance and Financial Planning Made Simple
Helping Winnipeg families with insurance and financial security.
Insurance coverage for your every need
From your family’s well-being to your business’s success, the right insurance solution prepares you for whatever’s around the corner.
Life and Health Insurance
What’s more important than your family’s well-being? Secure their future with term, permanent whole life, or universal life insurance, and sleep soundly knowing your loved ones are protected no matter what comes next.
Living Benefits
Life can change in the blink of an eye! Without the right protection, a sudden illness or injury can throw everything off course. But with disability, critical illness, and long-term care insurance, you can face life’s toughest challenges knowing you’ve got a safety net to catch your fall.
Group Insurance
Protect everything you’ve worked so hard for and keep your business safe with employee benefits and company retirement plans—like pensions, RRSPs, and DPSPs—designed to support your team and help your business continue to thrive!
Financial planning services
Whether you're planning for retirement, protecting your legacy, or growing your savings, we're with you at every step, helping you create a financial plan that protects your future on your terms.
Retirment and Estate Planning
Secure your financial future and preserve your legacy with our comprehensive retirement and estate planning services. We create personalized roadmaps that address everything from investment strategies and income planning to wealth transfer and tax optimization
Wealth Management
Maximize your wealth potential with our strategic approach to financial growth, combining market opportunities with robust protection measures. Our customized wealth plans integrate tax-advantaged accounts and specialized products like segregated funds to help you achieve your financial goals.
We don’t do complicated.
Hello, I'm Morgan Kotz, proud owner of Hargrave Financial. Our journey began 45 years ago with my dad, and I’ve been building on his legacy ever since.
My biggest goal is to build relationships that stand the test of time. Many of our clients from the early days are still with us, thanks to the trust, transparency, and honesty at the heart of everything we do.
With over 20 years of experience in the business, I’ve honed my ability to offer one-on-one solutions in a relaxed environment where we can chat like friends and find the best options for you.
No matter your age or wealth, the doors at Hargrave are always open, and we’re here to help protect your future.
The Hargrave Winning Playbook
We love hockey, and we think it’s a great way to describe our process. It’s all about strategy, teamwork, and adapting to what’s in front of you—just like finance!
Training Camp
Introduction Meeting
Just like players and coaches meet to assess strengths, weaknesses, and goals for the season, we start with an introduction meeting to understand your personal and financial situation, priorities and concerns.
Pre-Season
Financial Assessment & Goal Setting
Coaches get a better idea of what they are dealing with during the pre-season as the team starts to come together. Similarly, this is where we assess more in depth your current situation and start to define goals and develop some (plays) or strategies.
We work with you to gather the information necessary to put together many valuable documents such as net worth and cash flow statements. Retirement planning forecasts and debt management statements all while evaluating your risk management strategy. In layman's terms, making sure you are protected through the necessary life and/or health insurances. And also making sure your investment portfolio aligns with your risk tolerance and your overall goals.
Regular Season
Strategy Development & Presentation
With the foundation set, teams execute their strategy throughout the season. At this stage we present tailored financial strategies to help you start or stay on track and achieve your long-term objectives.
Playoffs
Execution & Implementation
When the stakes are high, execution is key. This is where we put your financial plan into action—whether it's investments, insurance, or tax and estate planning strategies to maximize your success.
Champions
Ongoing Monitoring, Follow Up & Winning
Championship teams don't stop after a win, they review, adjust and plan for future success. Likewise, we provide ongoing monitoring and follow ups to keep you aligned with your goals.
Get the Hargrave experience
Whether it's retirement planning or finding the right insurance coverage, we'd love to chat about how we can support your goals.
President / Owner
Director of Operations