Will I be OK?

Why PIB Wealth Management?

We are the investment, financial planning, and advisory division of Programmed Insurance Brokers Inc.

The team at PIB Wealth Management brings their experience and expertise to guiding you through your investment and financial planning decisions. Building trust and relationships is at the core of our process.

Our Signature Client Experience results in targeted and specific conversations surrounding goals and objectives; our Retirement Income RoadMap is a key element to the process.

We manage over $1.3 Billion in assets for over 10,000 individual and group clients across Canada.

Established in 1980, PIB initially offered group insurance, life insurance, and retirement programs. Today, PIB offers a wide range of services to clientele from coast to coast – including contractors, vendors, suppliers, franchise owners and national chains. We continue to maintain a strong broker partnership with Home Hardware and its Dealer network..

PIB, and our affiliate, RWAM, employ more than 300 employees out of our Elmira, Ontario Head Office and regional offices in London, Blenheim, Chatham, Belle River, Ontario; Edmonton, Alberta; and Halifax, Nova Scotia.

PIB Wealth Management Strategies for Your Success


Our knowledge and experience allow us to recognize our clients’ needs and wants.


We have created proprietary solutions to meet your identified needs.


We take complex problems and provide easy-to-understand solutions.


We package our solutions in a professional offering that clients understand.

Implement and Manage

We execute and manage the solutions.

money with plant

Our Investment Philosophy

We have a defined process and we are disciplined

  • Invest and stay invested with strategic and tactical managers
  • Use core holdings to build a foundation for our portfolios
  • Know the funds we invest in and seek out high quality managers
  • Diversification of assets – by type, style, and size
  • A focus on risk management
  • Monitor and measure performance

Our Role in Managing Your Investments

Our commitment to you is to develop, assemble, and monitor an investment portfolio that is managed by a team of industry leading investment experts in Canada, and throughout the world


  • Identify the best managers and firms, from both Canada and the globe
  • From our identified list, analyze the managers and firms using our thorough due diligence process
  • Build a diversified portfolio across asset classes, investment styles, and geography
  • Review. Continuously evaluate the managers and firms we hire
group meeting
man studying

Our Due Diligence Process

Enhanced ongoing management – through due diligence meetings, we conduct regular reviews with the Investment firms and managers we hire

Our due diligence process is built around our Investment Philosophy, which provides a framework to assess the firms and managers

During our review, there are triggering events which, if they were to occur, would lead us to review, and potentially replace a firm and / or manager:

  • Material change in a fund
  • Underperformance versus the market and its peers


Will I be OK?

PIB Wealth Management

It’s WHAT we DO and HOW we DO it, that MAKES the difference!

PIB - Golden Egg
Retirement and Planning - Nest Egg

Retirement and Succession Planning

PIB Portfolio Series

PIB Portfolios Series

Investment Process

Investment Process

Group Retirement

Group Retirement Plans

Your PIB Wealth Management Team

Our commitment to you is exceptional client service and strong business ethics. While providing a personal touch, we offer a team approach, focused on delivering sound advice enhancing the client experience.

Let's Connect

PIB Wealth Management
49 Industrial Drive
Elmira ON N3B 3B1
Phone: 1-800-265-6197