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Residents of Orillia, Barrie and Cottage Country

NOT SURE IF YOU HAVE ENOUGH MONEY
FOR YOUR RETIREMENT?

We create financial strategies that allow you to enjoy life, manage change and invest with confidence.

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MEET RAY

 Bringing premium, sophisticated advice to families in Simcoe-Muskoka, drawing on an exclusive set of skills and professional qualifications.

MEET RAY


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A Financial Plan is critical to happiness by reducing your financial stress. Your savings should be put to work and family wealth protected.

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Meet Ray

Your Trusted Financial Advisor

The Value of Advice

Your world is constantly changing and understanding how or if it affects you can be overwhelming. That’s why the value of advice is more important than ever before. Ray will work with you to identify what's important to you, and help set your goals to give you the confidence in a plan that meets your needs today and for your future.

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Ray specializes in tailored wealth solutions for folks who are retired or nearly/newly retired allowing them to enjoy life, manage change and invest with confidence throughout retirement and as a legacy for future generations.

Raymond Snoei Photo Raymond Snoei Hover Photo

Raymond Snoei

CFP®, CIWM, CIM®, FCSI®, RIS

Financial Planner & Associate Portfolio Manager, Manulife Securities Incorporated
Life Insurance Agent, Manulife Securities Insurance Inc.


Telephone: 705-325-3625 |  Cell: 705-826-4675  |  Fax: (705) 325-2677

E-mail: raymond.snoei@manulifesecurities.ca

Ray specializes in tailored wealth solutions for folks who are retired or nearly/newly retired allowing them to enjoy life, manage change and invest with confidence throughout retirement and as a legacy for future generations.

Ray has 20+ years’ experience serving clients and coaching advisors. He holds professionals designations as a Certified Financial Planner, Certified International Wealth Manager, Chartered Investment Manager and Fellow of the Canadian Securities Institute. Prior to establishing the Orillia office of Manulife Securities Incorporated, Ray held management or executive positions at BMO Nesbitt Burns, Scotia Capital Inc., and HSBC Securities (Canada).

A resident of Horseshoe Valley, Ray enjoys spending time with his spouse of 30 years, Elizabeth and their children, Ian, Emily, and Aidan. An avid hockey player and frustrated golfer, he also loves volunteering in the nursery at Connexus Church.

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"Ray Snoei has been our Financial Planner since August 2017, providing my husband and I with ongoing investment advice, retirement financial planning ,and professional support especially during the sale of our house and purchase of a condo in early 2020 and now during COVID19. We appreciate the rapport we have with Ray and his expertise and ability to align our agenda with his agenda to make us feel comfortable with our decisions regarding financial concerns and goals."    - D. Jones


"I met Ray many years ago when he came to work for us at Atkinsons and Associates as a financial advisor. When John sold the business a few years later to become the Ontario Director for one of Canada’s largest Group Benefits companies, Ray was the natural choice to not only take over our existing clients, but our own financial portfolio as well. And a brilliant job he did.  When John was diagnosed with cancer in 2016, one of the first things we did was to have Ray set up a program for me, that enables me to budget my income monthly. Financial security is huge in our golden years, and I am thankful for Ray’s investment counsel. I trust Ray completely with my finances. Thank you."    - S. Atkinson.


"As you know, I moved here from Montreal 4 years ago. My daughter, who has lived in the area for years, arranged a meeting with you. Ray, I have only known you for four years but it was the best choice I have made in years. I was honest with you. I know little about the stock market. You know the whole story and what I need. Ray, you promised to take special care of my account. You have been wonderful and patient when I call – callback as soon as possible and answer my questions. You have even advised me on other matters that have nothing to do with the market. I keep telling you how much I appreciate you but I thought that if I put it in writing you would really believe me – so here it is – Your help and caring are some of the best things that have happened to me since I moved here. Thank you again." -  P. Page



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Our Services & Solutions

Your financial life does not have to be complicated. 

Facing the unexpected takes the expertise of a financial professional to help plan for whatever comes along. Even in the most unpredictable times, we have the proven experience to provide you with the knowledge and resources you need to succeed. We work together with our clients, providing them with easy-to-understand recommendations and helping to implement them every step of the way.


Planning for Retirement

Planning for Retirement

To enjoy your retirement, you’ll need a steady source of income and a plan uniquely tailored to you. We'll help you understand where your money will come from and when you’ll be able to access it, so you can gain confidence in the potential to grow your future income stream. There’s one factor that plays a role in every successful retirement — good planning.

  • Cash Flow Management and Needs Analysis
  • Tax minimization strategies
  • Registered Retirement Plans (RRSP, RRIF)
  • Locked-in Retirement Account (LIRA)

CONTACT US TO GET STARTED TODAY!

Investment Solutions

Investment Solutions

Whether you’re investing for the first time, saving for the future or embarking on retirement, let us help you build a plan to meet your needs and reach your unique goals. We will provide you with expert advice on the best investment products and solutions based on your unique priorities and risk tolerance.

  • Portfolio options and diversification 
  • Guaranteed Investment Certificates (GICs)
  • Registered Retirement Plans (RRSP, RRIF)
  • Registered Education Savings Plan (RESP)
  • Tax-free Savings Account (TFSA)
Insurance Solutions

Insurance Solutions

We help people protect what is important to them. With the right Insurance solutions and products, you can protect the people you care about most with easy-to-understand options that offer peace of mind. We can provide educated advice and expertise for solutions tailored to your needs. Some of which may include:

  • Needs Analysis and Risk Management
  • Travel, Life, Health and Dental Insurance
  • Long-Term Care Insurance
  • Disability and Critical Illness protection

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Estate Planning

Tax & Estate Planning

By planning for tomorrow today, you can retain more of your assets, protect your estate and leave a legacy for your family or loved ones. An estate plan needs to align with your whole financial picture, including investments and insurance.

  • Strategies to minimize or defer taxes, and maximize deductions
  • Solutions to help maximize your estate’s value
  • Multigenerational wealth planning and transfer
  • Will planning and beneficiary designation
  • Advice on investments and account structures 

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Banking Solutions

Banking Solutions

Banking today is about instant access – whether you’re paying with a tap, transferring money, or depositing a cheque or looking for mortgage options. In a fast-paced world, you need your bank to keep up. Manulife Bank has flexible products that fit seamlessly into your day and help you achieve your goals.

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