About Us
Who we are
At Terces Finance, we believe that smart, tax-efficient investing should be within reach — not just for the ultra-wealthy, but for anyone ready to take control of their financial future. We’re a team of experienced financial professionals, investment strategists, and insurance experts dedicated to helping you grow and protect your wealth. Whether you're building your first six figures or preparing to leave a legacy, we offer tailored strategies that deliver real, tax-free results.
Mission
Our mission is simple: Make wealth-building accessible, transparent, and truly rewarding. We specialize in: High-growth, tax-free investment solutions Personalized financial strategies Long-term wealth preservation and legacy planning With Terces, your money doesn’t just grow — it works smarter, safer, and harder for you.
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Our FAQs Answered
If you can’t find what you are looking for, don’t hesitate to Contact US
Terces Finance offers access to high-growth, tax-free investment strategies typically reserved
for clients — with transparent guidance, expert management, and
lower entry barriers. We focus on both growth and protection through innovative tools
like TFSAs, insurance-based investing, and diversified asset strategies.
Yes — through registered accounts
like Tax-Free Savings Accounts (TFSAs) and specially structured insurance policies,
your investments can grow without being taxed on the gains. We help you legally and
efficiently use these tools to maximize your long-term returns.
No — you can start with as little as $25,000
in investable assets as a Premium Client. We believe smart financial strategies
shouldn’t be reserved only for the ultra-wealthy, and we’re committed to making wealth-
building accessible and impactful.
Our strategies are designed to deliver
6%–35% tax-free returns over time, depending on your chosen plan, risk profile, and
time horizon. These returns come from a mix of market-based investments, structured
insurance products, and compounding interest vehicles — all managed by experienced
professionals.
We offer permanent life insurance
policies (like Whole Life and Indexed Universal Life) that combine protection with long-
term, tax-free growth. These policies can build cash value, which you can access while
you're alive — often with no tax implications.
Absolutely. We work with regulated financial
institutions, insured products, and licensed advisors to ensure your investments are
both secure and compliant. Your portfolio is carefully diversified and built around your
personal goals.
Yes. Both TFSA accounts and certain insurance
policies offer flexible access to funds. Our team will help structure your plan to maintain
growth potential while still providing liquidity when needed.
Yes — every client receives a
customized strategy tailored to their goals, risk tolerance, and time horizon. We don’t
believe in one-size-fits-all solutions.
Our fee structure is transparent and performance-driven. We’ll
walk you through any costs upfront, and we’re committed to offering superior value
compared to traditional financial institutions.
Simple. Just click [Get Started] or [Book a Free Consultation],
and one of our licensed financial professionals will help you build your personalized
wealth plan.
Testimonials
I’ve been working with Terces Finance for about 6 months now, and I couldn’t be happier. Their advisors are always professional, transparent, and genuinely committed to helping me reach my financial goals. They took the time to understand my situation, made excellent recommendations, and followed up often to ensure everything was going smoothly.
Nicodemus Andoh “Nick” Menge
Excellent service and trustworthy team! I had a great experience working with Terces Finance. Their team is knowledgeable, professional, and takes the time to explain financial matters clearly. They offer tailored solutions that really meet individual needs rather than just generic advice. I especially appreciated their responsiveness and attention to detail — they truly put the client first. Highly recommend Terces Finance to anyone looking for reliable financial guidance and support.
ETIMA MATATEMA
My experience with Terces Finance has been excellent so far. The team is professional, responsive, and truly committed to helping clients reach their financial goals. I appreciate their clear guidance, reliable support, and customer-focused approach.
Chinonso Henry
Terces Finance provides excellent service with professionalism and attention to detail. Their team is knowledgeable, responsive, and truly committed to helping clients achieve their financial goals. Highly recommended!
Gbolahan Salami
As someone new to Canada, I was looking for trustworthy financial guidance to help me start investing wisely.. Terces Finance took the time to explain everything clearly and helped me set up a monthly savings and investment plan. They even showed me how, with consistency and time, I could potentially build something like 9 million in 20 years — which gave me real hope and motivation for the future. I truly appreciate their support, honesty, and professionalism. Highly recommended for anyone looking to build a strong financial foundation in Canada!
Sheila Onose
From $5,000 a Month to Nearly $10M – The Best Financial Decision I Ever Made!” I began with a simple $5,000 monthly contribution into one of their custom-designed cash value policies. A decade later, that discipline has compounded into just under $10 million in accessible value tax-efficient, growth-focused, and fully protected. This strategy didn’t just build wealth; it created a blueprint for generational freedom. This isn’t ordinary investing it’s true wealth architecture.
Christopher Emeruem
I strongly recommend Terces for all your financial needs and insurance. 5 stars indeed!
Tshimanga Muamba
Peace of mind , debt relief and financial security – finally!" Being relatively new to wealth and financial planning, I was not interested at first because I felt it was a waste of time But this firm took the time to enlighten me and I realized the money I was wasting on frivolities I could use it to build wealth for my self and my kids. I now invest consistently, and after 5 years, I see real growth — not just in numbers, but in legacy planning. My daughter’s future is secure. If you’re serious about long-term wealth in Canada for you and your kids this is where you start.
Iz Ogie
Trece Financials provides excellent service and they are very reliable 👍
Chinyere Vivian
Amazing service! I totally recommend
Lynda Adaelu
