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About Synergy Life Financial

Synergy Life Financial has been helping people plan for a successful retirement for over 25 years by ensuring their detailed plans include their clients’ work, money and life goals. Past experience has given Darryl Smith and his team a thorough understanding of the hard work and investment it takes to run a business.


With this knowledge, he helps you understand your present financial position  and works with you to develop a uniquely tailored retirement investment plan, making it possible for you to retire within 10 years of getting started with him. With a specialization in retirement planning and comprehensive work in prioritizing senior’s issues, Darryl will not only work towards your big goals but will also account for the expenses and budgeting required as we age.


When you work with Synergy Life Financial, you can trust that you have an advisor that truly knows you, so your best interests will always be a top priority.


Our navigator program is built to guide you to into a retirement you've always imagined!

Our Retirement Navigator Program

is a 7 Step Process... 

1. Discovery

We will discuss and evaluate your current financial situation.

2. Understanding

This step involves discussing your “present plan” that reflects your current cashflow, assets, and liabilities. We will also help you establish goals and objective timelines.

3. Economic Modeling

We analyze and evaluate current and alternative strategies to establish effective tactics for the future. This step is intended to be interactive, so your input is required to guarantee that the plan is customized to your specific needs and goals.

4. Confidence

Building on the work we have done together in the previous steps, we will now start to implement the strategies we have created to enhance your future plan. We take time to ensure you have a complete understanding of the investment products and recommendations, and we always alert you with updates or new information.

5. Monitoring

We constantly track your results to ensure we are working towards your financial goals effectively.

6. Navigation

We all experience change throughout our lifetime, and it is important that your plans and strategies remain current. Our plans are designed to be implemented based on your current resources with opportunities for future enhancements.

7. Lifetime Growth

Over time you may experience financial windfalls such as an inheritance or paying off your mortgage, career promotions, etc. These events provide the opportunity to enhance your financial situation for your entire lifetime if they are properly integrated into your financial model before temptation arises.


Darryl Smith


Darryl received his degree in business from Georgian College and has actively engaged in finance and business consulting since 1987.


Darryl’s passion for working with blue collar business owners stems from his own experience and the dedication business owners show to their company.​ In addition, his goal is to empower all of his clients with innovative retirement solutions based on their Work, Money and Life Goals. ​


By fulfilling all requirements and completing the prescribed examinations of the Insurance and Financial Advisors Training Course, Darryl became qualified to serve the public in the capacity of life underwriter as awarded by the Canadian Association of Insurance and Financial Advisors (CAIFA).


Darryl holds the Registered Financial Consultant (RFC) designation which is awarded by the International Association of Registered Financial Consultants (IARFC) to those financial advisors who can meet the high standards of education, experience, and integrity that are required of all its members.


In November 2001, Darryl became one of Canada’s first Financial Advisors to complete a comprehensive course on priority senior issues. The Society of Certified Professional Consultants on Aging, a national organization that has trained over 8000 professionals, conducts the course. This educational initiative helps meet the key needs and issues concerning senior citizens.


Darryl is a member of the Million Dollar Round Table (MDRT) and is proud to have earned the Three Best Financial Advisor award in Barrie for 2018, 2019, 2020 and 2021.


He is also member of the Rotary Club of Barrie and actively participates in local events to support both community and international projects.


In his free time, Darryl and his wife Stephanie enjoy travelling in their RV, canoeing and hiking and spending time with their 3 children and one granddaughter. 

How to a ensure a Financial Advisor is registered and in good standing

When you consider working with a Financial Advisor you will be sharing a lot of personal information including your dreams, goals and detailed financial information and in today's modern world you also want to ensure your professional is properly licensed and in good standing. 

Please click on the logo's below to verify my credentials are in good order: 


Darryl is a proud member of the following organizations

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As a licensed Financial Advisor in the province of Ontario, Darryl is able to offer the following financial products from Canada’s top investment and insurance companies:

• Investments

• Insurance

• Group Benefits

• Group Retirement Savings Programs

• Bank Accounts

With the right plan, you can retire within 10 years.

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