About Tony Sytsma

Insurance advice should start with understanding what you're trying to protect — not with selling you a policy.

I'm Tony Sytsma, a Financial Advisor with Blue Harbour Financial. I help individuals, families, self-employed professionals and business owners across Ontario understand their insurance needs and compare coverage options from multiple Canadian insurance companies.

My focus is straightforward: understand your situation first, explain your options in plain language, and help you put appropriate protection in place without making insurance more complicated than it needs to be.

Why I Focus on Income & Family Protection

For most people, their ability to earn an income is what supports everything else — their home, family, lifestyle, savings and future plans.

That can be especially important for self-employed professionals, contractors and business owners. If you can't work, there may be no employer disability plan or workplace benefits to fall back on, while your personal and business expenses continue.

That's why much of my work focuses on helping people protect against the financial impact of the unexpected — whether that's an illness, injury or death.

That can include life insurance, disability insurance and critical illness insurance, structured around the protection you already have, the risks you're actually facing and what you can reasonably afford.

The objective isn't to insure against everything. It's to identify the financial risks that could seriously affect you or your family and decide which ones are worth protecting.

My Approach

Insurance can become complicated quickly. My job is to make it easier to understand so you can make an informed decision about your coverage.

When we work together, I start with your situation — not an insurance product.

Understand What You Need

We'll talk about your income, family, existing coverage, financial obligations and what you're actually trying to protect.

Compare Your Options

I can compare appropriate coverage from multiple Canadian insurance companies rather than simply presenting you with one option.

Explain the Differences

I'll walk you through the important differences in coverage, features, costs and limitations in plain language so you understand what you're considering.

You Make the Decision

I'll provide my recommendation and explain why I believe it fits your needs. The decision to proceed is always yours.

What I Can Help You Protect

Different stages of life and business create different financial risks. I can help you understand your options and determine what type of protection may fit your situation.

Life Insurance

Help protect the people who depend on you, replace income, cover debts and mortgages, or address longer-term estate and financial needs.

Explore Life Insurance →

Disability Insurance

Protect a portion of your income if an illness or injury prevents you from working — particularly important for self-employed professionals and business owners.

Explore Disability Insurance →

Critical Illness Insurance

Receive a lump-sum benefit if you're diagnosed with a covered condition and satisfy the requirements of your policy, giving you additional financial flexibility while you focus on recovery.

Explore Critical Illness Insurance →

No-Medical & Final Expense Insurance

Explore simplified and no-medical coverage options if health concerns make traditional insurance more difficult to obtain, or if you're looking for coverage to help with final expenses and other financial obligations.

Explore No-Medical Insurance →

Not Sure Where to Start?

You don't need to know which type of insurance you need before contacting me. Tell me a little about what you're trying to protect, and we'll start there.

Get Your Options