Real Conversations

"It’s not just about

the numbers — it’s about understanding what matters to you and building from

there."

Get to Know Tony — Financial Advice That Feels Personal

MEET TONY

With over 30 years in the financial world, Tony Lipiec has learned something most people never hear from a traditional advisor: many families and business owners are losing money unknowingly and unnecessarily — and it doesn’t have to be that way. Tony’s unique approach focuses on uncovering those hidden leaks, simplifying the financial conversation, and giving clients a clear path forward without pressure or confusing jargon.

Whether you’re getting organized for the first time, planning for your family’s future, or trying to make smarter decisions as a business owner, Tony helps you understand your options in a way that feels personal, human, and down‑to‑earth. At Queen’s Bridge Financial, it’s never about quick fixes — it’s about long‑term guidance built around what truly matters to you.

Lorem ipsum dolor sit amet, consectetuer adipiscing elit. Aenean commodo ligula eget dolor. Aenean massa. Cum sociis natoque penatibus et magnis dis parturient montes, nascetur ridiculus mus.

How Tony Works

No Scripts. Just Straightforward Support.

We Start With a Conversation

No paperwork. No pressure. Just a real chat about where you’re at and where you’d like to go.

We Build a Plan That Makes Sense

Whether it’s investing, insurance or future goals — we’ll build something that works for your lifestyle.

You Stay in Control

You’ll always understand your options. No jargon, just good guidance.

What Can We Help With?

SERVICES

Stress Level

Sleepless Nights

Comfort Level

Control Level

Business

Business Owner Strategies That Actually Work

Learn More

Retirement

Retirement Planning That Feels Doable

Financial

Financial Wellness Coaching for Young Professionals

Learn More

Investments

Investments That Make Sense to You

Learn More

Insurance

Insurance That Protects (without the sales pitch)

Learn More

WHO WE ARE

Rooted in the Community

Rooted in Niagara serving clients across Ontario.

Queen’s Bridge Financial is proud to be part of the Niagara community—a growing, supportive network of professionals, families, and entrepreneurs who value clarity and confidence in their financial planning. Whether you’re just starting your career, building a business, protecting your family, or preparing for retirement, we’re here to provide trusted guidance every step of the way. By combining personalized strategies with a no-pressure approach, we help our clients make informed decisions that support long-term stability and peace of mind.

Financial Clarity, Not Complexity

EDUCATION & EMPOWERMENT

Tony’s goal isn’t just to help you plan — it’s to help you understand. He believes financial advice should feel clear, approachable, and practical—not overwhelming. That means no confusing jargon, no pressure tactics, and no getting lost in endless paperwork. Instead, Tony takes the time to explain every option in plain language, making sure you know exactly how each decision supports your goals. Whether you’re preparing for retirement, protecting your family with insurance, or mapping out the next stage of your financial journey, you’ll leave every meeting with more clarity, more confidence, and a stronger sense of control over your future.

READY TO CONNECT?

"Not sure where to start? That’s okay — most people aren’t. Let’s have a conversation and go from there."

Business Owner Strategies That Actually Work

Many business owners are unknowingly losing money — through missed tax strategies, underutilized benefits, or insurance gaps that could put their livelihood at risk. At Queen’s Bridge Financial, Tony works directly with entrepreneurs to uncover those blind spots and put smarter financial systems in place. Whether you're running a solo operation or managing a growing team, you'll get personalized advice to help you protect your income, build long-term value, and make confident decisions about your future. From tax-efficient planning to business protection strategies and future exit goals, Tony helps you stay focused on what you do best — while making sure your money is working just as hard as you are.

Retirement Planning That Feels Doable

Planning for the future doesn’t have to feel overwhelming. Retirement can feel like a big, distant goal, but it becomes much more achievable when you have a clear plan in place. We’ll work with you to break everything down into simple, manageable steps that fit your lifestyle, budget, and long-term vision. Whether you’re just starting to think about retirement or fine-tuning a plan that’s already in motion, we’ll help you understand your options and make informed choices along the way. Our goal is to replace uncertainty with confidence—so you know you’re on track for the retirement you’ve always wanted, and you can enjoy the journey getting there.

Financial Wellness Coaching for Young Professionals

This guidance is built to help you establish a solid foundation for your financial future. It emphasizes practical skills—budgeting, saving, managing debt, and understanding investments—while also preparing you for major milestones like purchasing a home, starting a family, or planning for retirement. With straightforward, personalized advice, young professionals can build strong money habits early, steer clear of common pitfalls, and make confident decisions that support both their current lifestyle and long-term goals.

Investments That Make Sense to You

Financial decisions should align with your personal goals, values, and comfort level. Rather than chasing trends or following one-size-fits-all advice, these investments are chosen because they fit your lifestyle, time horizon, and risk tolerance. They may include retirement savings, stocks, or insurance products—but the focus is always on what you understand and feel confident about. By investing in ways that are clear and meaningful to you, your money can grow steadily while giving you peace of mind and a sense of control over your financial future.

CIRO Know Your Advisor | Compliance Policy | Privacy Policy

Insurance That Protects (without the sales pitch)

Get the coverage you need without the pressure. We take the time to understand your unique situation, your priorities, and your long-term goals before recommending any insurance solutions. Our approach is simple: protect what matters most—your family, your business, and your future—with clear, practical options that make sense for you. No confusing jargon. No pushy sales tactics. Just honest conversations, straightforward advice, and the peace of mind that comes from knowing you’re truly protected.

*Please Note: Insurance services offered by Queen's Bridge, through Gryphin Advantage, are separate from the securities business offered by Queen's Bridge, through Designed Securities Ltd. Insurance services are regulated by Financial Services Regulatory Authority of Ontario (FSRA). Designed Securities Ltd. is regulated by the Canadian Investment Regulatory Organization (CIRO) and is a Member of the Canadian Investor Protection Fund (CIPF).

Frequently Asked Questions

We’ve got kids and a mortgage — are we too late to start planning?

Not at all. In fact, this is the perfect time. Whether you’re trying to get ahead, protect your family, or just make sense of it all — we’ll build a plan that fits your life, not someone else’s idea of it.

Do we have to pay for the first meeting?

No, there’s no charge for the first meeting. I like to keep things simple, flexible, and focused on what works best for you — whether that’s meeting in person or having a quick chat over Zoom.

Do you only work with people in your area?

I work with families all over Ontario (and beyond) virtually. You’ll still get the same down-to-earth support, whether we meet at a coffee shop or over a screen.

We don’t know much about money stuff — is that a problem?

Not at all. You don’t need to show up with a spreadsheet — just a willingness to talk about your goals. I’ll explain things in plain language and guide you step by step. You’re never expected to figure this out alone.

Are you going to try to sell us something?

That’s not how I work. I’m here to offer guidance, not push products. If there’s something I think could help protect or grow your family’s finances, I’ll explain why — but you’ll always make the final call.