Welcome to GP Wealth Management

Steve Horning
Tel: (705) 303-4722

My role as a Financial Advisor is to move you forward by helping you make informed financial decisions. I have been in practice since 1995 and over the years, have applied my considerable skills to integrate all the elements of wealth – investments, tax, retirement savings, estate and insurance – into a plan for every client that makes sense and achieves results.

Comprehensive Financial Planning

Let’s start by assessing what is important to you today and then looking ahead to what your goals are into the future – retirement planning, education planning, insurance and estate protection.

Building your portfolio

My approach to wealth management relies on a number of factors. I use investor profiling tools to assess comfort and capacity for risk. While one person may be very comfortable with the possibility that their investments may fluctuate up or down by 10%, another may never want to see the value of their investments go down, ever.

The other equally important component is assessing “capacity for risk”. This is often not considered, yet it is critical. What does capacity for risk mean? Going back to my earlier example, you may be comfortable with the possibility that your investments could go down by 10%, but what if it represents a significant portion of your savings? That means that your capacity for risk cannot withstand a drop of 10% in value and this is taken into consideration in our analysis and recommendations for a balanced portfolio.

Investment Products

As an independent Financial Advisor, I am equipped to provide you with the full range of investment products. There are many choices today and not every product is created equal. Costs are a factor in my analysis too. The bottom line is that you can expect excellent investment products at very competitive pricing.

GP Wealth Signature Service Platform

Designed with the investor in mind, this is not your typical investment account. It’s a premium asset management service that gives you access to all the services, advice and investment options you need to meet your financial goals. There are no commissions to pay. Instead there is a monthly advisory fee as a percentage of your account – full transparency. Advisory fees are calculated on a sliding scale, which means as assets grow, the fee rate decreases. With this platform it makes a lot of sense to consolidate all of your assets.

My goal is to protect your assets while maximizing opportunities for growth. Let’s get started. You can contact me at 705.303.4722 or by email at

Other things to know about me

Academic Achievements

  • Bachelor of Arts, University of Western Ontario, 1990
  • Investment Funds Institute of Canada (IFIC), 1995
  • Personal Financial Planning Diploma, 2000
  • Life Insurance and Accident& Sickness, 2001

I graduated from the University of Western Ontario in 1990 and shortly after began my financial services career with a major retail bank. Over the course of 10 years, I gained valuable experience assisting families with their financial needs in various positions across the province. In 2001, I obtained by Personal Financial Planning Diploma from the Institute of Canadian Bankers and soon after began developing a successful independent wealth management practice that has grown over the past 20 years.

Community Service

I live in the community of East Ferris in the North Bay area with my wife Denyse and two children, Ellie and Sydney. This role serves me well to understand the importance clients place on building and protecting their wealth. I am privileged to work with families and individuals across the province, in partnership with GP Wealth Management, to assist them in reaching their financial goals and objectives. In addition, our family has been actively involved in various community youth sport organizations and other health initiatives over the years.