Budget 2026 at a Glance: What Ottawa’s $142B Plan Means for You
Key points from the November 5, 2026 federal budget for families, retirees, investors and business owners: deficits and debt, affordability, housing, RRSP-for-life,…
Alberto Salguero · Financial Advisor · Kitchener-Waterloo
Money decisions feel lighter with someone you trust beside you.
Clear, steady advice for individuals, families, professionals, and business owners in Kitchener-Waterloo and across Ontario, grounded in the timeless principles of Biblical stewardship.
- No-obligation first conversation
- In person, by video or by phone
- Plain language, no pressure
Sound familiar?
Maybe you’ve thought this, too
Most people don’t come to me asking about products. They come with a question that’s been on their mind for a while.
“We earn a decent income, but by the end of the month I’m not sure where it all went.”
Cash flow & budgeting“If something happened to me tomorrow, would my family be okay?”
Protection & insurance“Retirement is getting closer, and I honestly don’t know if we’re on track.”
Retirement“My business keeps growing, but my own finances are an afterthought.”
Guidance for business owners“I’ve been sold financial products before. Nobody really explained them to me.”
How I work“We want to help our kids with school without falling behind ourselves.”
Children’s education
If any of these sound like you, you’re not alone, and you don’t have to figure it out on your own.
Meet your advisor
Hi, I’m Alberto
M.Sc., RRA®, RLIS® · Financial Advisor
I didn’t start out in finance. I started in a field, studying agronomy in Honduras, and found myself fascinated by the numbers that decide whether a farm, or a family, thrives.
Then, in 1999, I watched Ecuador’s economy collapse. Banks froze, and families lost savings they had spent a lifetime building. I’ve never forgotten what financial fragility costs ordinary people.
That’s why I do this work: to help you build a foundation that holds, explained in plain language, with your interests always ahead of any product.
- 1997Agronomy degree in Honduras
- 1999Lived through Ecuador’s banking collapse
- 2007Moved to Canada; later earned an M.Sc. at the University of Guelph
- TodayHelping families and business owners across Waterloo Region and Ontario
How it works
A relationship, not a transaction
No pressure and no product push. Just a thoughtful process that begins with listening and continues for as long as you’d like.
Listen
Understand your life, values, and priorities.
Educate
Explain your options clearly, in plain language.
Guide
Help you make informed decisions with confidence.
Walk With You
Ongoing support as life and seasons change.
Who I serve
Guidance for the people and work you care about
Whether you’re raising a family, building a business, or both, the goal is the same: a steady foundation and decisions you can feel good about.
Families & Individuals
Build stability, reduce stress, and create a meaningful future for the people you love.
- A budget and cash-flow rhythm that fits real life
- Life, critical illness and disability protection
- RESPs and your children’s education
- Retirement readiness and estate preparation
Business Owners & Professionals
Align your personal and business finances with long-term purpose, so the business serves your life, not the other way around.
- Group benefits for small teams
- Life insurance for owners and key people
- Disability and critical illness protection
- Retirement and succession conversations
My approach
A clear, purposeful approach
Lasting financial confidence is built the way a strong house is built: from the ground up. Each level supports the one above it, so I always start with your foundation.
- 01
Protection
Your foundation: making sure an illness, accident or loss doesn’t undo everything else you’ve built.
- 02
Stability
Clarity on where your money goes and a steady plan for debt, so you can breathe.
- 03
Growth
Saving consistently and investing with purpose, patience and discipline.
- 04
Legacy
Passing on values as well as assets, thoughtfully and on purpose.
Each step builds on the last, creating stability, growth, and lasting impact.
Our foundation
Principles that guide every decision
These principles come from my Christian faith and shape how I serve every client: with honesty, patience, and a view to what lasts. You don’t need to share my faith to work with me. People of every background are welcome here.
Stewardship
Everything we have is entrusted to us.
Psalm 24:1
Faithfulness
Consistency over quick wins.
Luke 16:10
God Is Provider
Security is not found in money alone.
Philippians 4:19
Cheerful Giving
Generosity is part of a full life.
2 Corinthians 9:7
Multiplication
Wise decisions lead to growth.
Matthew 25:14–30
Heart & Treasure
What you value shapes your future.
Matthew 6:21
How I help
Areas I help you navigate
Comprehensive guidance across the whole of your financial life, always starting with what matters most to you.
Cash Flow & Budgeting
Understand where your money goes and give every dollar a purpose.
Protection & Insurance
Life, critical illness, disability and living benefits to safeguard what matters most.
Investment Guidance
Segregated funds and annuities to grow and protect your savings.
Tax-Efficient Strategies
Make thoughtful use of RRSPs, TFSAs and more, coordinated with your accountant.
Estate & Legacy
Prepare your will, powers of attorney, and the transfer of wealth and values.
Children’s Education
Use RESPs and government grants to prepare for your children’s future.
Group Benefits
Practical health, dental and protection benefits for small businesses.
Your first conversation
What to expect when you reach out
Taking the first step can feel like a big one. Here’s exactly what happens, so there are no surprises.
Prefer to talk first? Call 226-739-9511.
- 01
Pick a time that suits you
Book online in a minute, or just call. We can meet in person, by video or by phone, whichever is easiest for you.
- 02
We talk about you, not products
Your family, your work, and what’s been on your mind. There’s nothing to prepare; just bring your questions.
- 03
No cost, no pressure
The first conversation is free and there’s no obligation. You won’t be asked to buy anything, and if I’m not the right fit, I’ll tell you honestly.
- 04
You leave with clarity
A clearer picture of where you stand and one or two practical next steps, whether or not we decide to work together.
Client reviews
In their own words
What clients say about working with Alberto, shared on Google.
★★★★★
“I remember working with Alberto. He is great to make sure all questions are properly addressed. He make you feel certain of the overall decision. I really feel we connected and the trust follows. I would recommend Alberto for future benefit outcomes.”
★★★★★
“I have and am currently working with Alberto he is an honest and caring person to work with he priorities your needs first and has made investing easy”
★★★★★
“If you are looking for a new advisor to help you plan out your future look no further than Alberto of Steward Wealth Advisory. Alberto sits down and explains everything and accepts all questions leaving you feeling great and also Alberto checks in on you to making sure you’re up to date and any other questions come up he answers them for you. I trust Alberto and so should you.”
★★★★★
“I've had the opportunity to work with Alberto, and one thing I really appreciate about him is how passionate he is about helping people understand their finances. He has a great way of explaining things that might seem complicated and making them easy to understand. He's very knowledgeable, patient, and genuinely cares about what he does. It's been a pleasure working with him, and I definitely recommend Steward Well!”
5.0 on Google from 5 reviews · Read all reviews on Google
Free guide
5 Foundations of Faithful Financial Stewardship
A short, practical guide to the five building blocks of a steady financial life, with the Biblical principles behind each one. Read it in one sitting; use it for years.
- Protection: securing your foundation first
- Debt: regaining freedom and margin
- Saving: building steady habits
- Growth: investing with patience
- Legacy: passing on values and assets
Areas I serve
Rooted in Waterloo Region. Serving Ontario.
I work with individuals, families and business owners in Kitchener, Waterloo, Cambridge, Guelph, Elmira, Conestogo, Wilmot, Brantford and Milton, and with clients across Ontario, including the Greater Toronto Area.
Insights
Insights for thoughtful decisions
Plain-language articles on stewardship, family finances, retirement and business, written to help you think clearly, not to sell you anything.
Your Statement Will Look Different. Your Costs Won’t.
Starting with year-end 2026 statements, you'll see the dollar cost of owning your investment funds. Here's what's changing, what isn't, and how…
Insurance Planning for Business Owners
Key person coverage, buy-sell funding, disability insurance and group benefits: a plain-language guide to insurance for business owners in Ontario.
“Without counsel plans fail, but with many advisers they succeed.”
Let’s talk
Let’s start with a conversation
A new baby, a growing business, retirement on the horizon, or just a feeling that things could be more organized: whatever brought you here, let’s talk it through. No pressure, just clarity.
Call: 226-739-9511Email: [email protected]
