Heart To Heart Financial Inc. - Goderich, Ontario

Mitchell Avis

If you're wondering whether you need insurance or what types to buy just stop scrolling right now and reach out to Ralph. As a new business owner I wasn't sure what types of insurance I should be buying or how much. Ralph spent a lot of time getting to know my situation, using data driven tools like The Success Plan, and helping me make informed decisions. Ralph really embodies the Heart to Heart name. I feel very comfortable with my insurance decisions and best of all I know I have someone in my corner if I have any questions or changes in life circumstances. I'll recommend Ralph to all my friends and family.

Mandy Sinclair

Heart to heart is the perfect name for this business. Ralph comes to the table with compassion - no shame in discussing one's finances here - passion, experience and professionalism. Best of all, he's no non-sense, but rather tells you what you need and what you don't. His clients' needs are his top priority and I never feels like it's scammy, huge hidden fees attached as with other advisors I've met with, or like I'm being sold something I don't actually need. Highly recommend.

Erinn L

Ralph at Heart to Heart Financial is great to work with. He is knowledgeable, professional, and makes things easy to understand. He helped me navigate a mortgage renewal and set up a long-term financial plan to help me reach my goals. I trust that he has his client’s best interests at heart. Highly recommend.

Caitlin Vail

Ralph has been a pleasure to work with. He has provided expertise, professionalism, and is incredibly responsive for our life insurance needs, and financial planning. He definitely has our best interest in mind and approaches business in a refreshing way that focuses on individual needs instead of sales driven. Ralph does a lot for the community as well, and is always the first to lend a helping hand.

Katie Smith

Ralph was exceptional at helping us navigate our life insurance. He taught us all about the different options and helped us picked what best suited our needs. He even came back to us a year later with an option that was better for us in value. We highly recommend him as he always goes above and beyond for his clients.

Kim Loebach

Ralph at Heart To Heart Financial was a great resource to help me navigate things I hadn't thought about since I had set them up, like my mortgage and what my mortgage insurance through the bank was actually covering.

Having a mortgage renewal this year, he was able to help point me to a solution that would work better for me based on where I am at financially. As a result, I will save thousands of dollars over the next 5 years. I was also able to line up insurance through Heart To Heart Financial and get better coverage for a similar cost. The insurance options that Ralph helped put in place will give me protection for many years to come - something I should have done much sooner if I had spent any time learning about it!

MK Duckworth

When Ralph at Heart to Heart Financial isn't cooking meals for shut-ins, volunteering at the local animal shelter or cutting his neighbour's lawn, you can find him helping people navigate the world of insurance and finances.

Ralph works from a home office just to decrease his carbon footprint. Following the tornado in Goderich, Ralph single handedly replaced enough trees to fill a small forest. This year, when shut in from a ice storm, he snowshoed with a cooler on his back to deliver fresh apple crumble to my doorstep, after a long day with the kids.

If you need insurance, financial advice or to jump in a refreshing pool in the summertime, please visit Ralph at Heart to Heart Financial.

Austin O'Meara

I highly recommend Heart to Heart Financial. Ralph is professional, knowledgeable and extremely easy to work with. I appreciated his ability to break down the world of investments in an easy to understand manner to find what best suited my needs.