Steve Bentley, BA CFP

Principal | Financial Life Planner

Steve was raised in Mississauga, Ontario. In 1986, he graduated from The Royal Military College with a degree in Economics and Commerce. Through his military career, he has had the privilege to live in five different provinces. Since 1990, he has lived in Waterloo with his family. He has been a Certified Financial Planner (CFP®) since 2009.

After graduating from RMC, he proudly served as a Canadian Naval Officer until 1990 when he returned to Waterloo to start a career in financial services. He joined the Canadian Revenue Agency as an Auditor in 1991. In 1996, he became a Tax Manager at the Kitchener office of Ernst & Young and then Director of Tax for a Deloitte-affiliated consulting firm in Mississauga. In 2003, he left the corporate consulting world to establish his own business.

Having a military background, being an entrepreneur with an established family business, and having expertise in financial planning, accounting, tax, and consulting, Steve followed his passion in becoming an independent financial advisor. He created his first firm, Bentley Financial, in 2003.

In 2015, an opportunity presented itself for Steve to establish a completely independent brokerage for his clients focused on Financial Life Planning and led to the creation of Northern River Financial Solutions Inc. (NFR).

Steve is a member of several charitable boards including Habitat for Humanity Waterloo Region, 100 Men Kitchener Waterloo and the Friends of Algonquin Park. He is a mentor for the Waterloo Region Small Business Centre and Community Mentor for the Small Business Community Network. Steve has been interviewed by the CBC, CTV, the Globe & Mail, the National Post and was a regular guest on Rogers Daytime TV. He is the co-host and producer of The Small Business Show for RogersTV in Waterloo Region, a social media advocate, networker, and a recognized speaker on financial life and business planning, branding and content marketing.


Our Associate Advisors

Robert (Bob) Reay


Bob has spent the past 30 plus years in the customer service industry, with the past 17 years assisting clients throughout Ontario achieve their financial goals. He joins us from his predecessor firm, RPR Financial.

A father of two grown children and a grandfather Bob understands the need for young families to create their own plan for financial security. Bob is a dedicated professional who has focused upon assisting young singles and young families plan for their financial future. Bob is also well equipped to assist small business owners plan products to enhance employee loyalty and security through by the implementation of company group benefits and company pension plans. He holds a level II life license, segregated funds license, and is a member in good standing of ADVOCIS, the Association of Financial Advisors.

Bob is an avid sports fan who follows CFL and NFL football, Blue Jays baseball, and a die hard Toronto Maple Leaf supporter. Bob is the current past president of the Waterloo Wellington Football Officials Association after spending six years as president and seven years as secretary, and he just completed his 17th season as a on field official. Bob attends Northside community Church where he is active in various areas of the church serving as gardener for many years and head teller for the last seven years.

Keith McCleary, BA


Dave is an Associate Advisor in our Huntsville Office.

Our Administrative Associates

Elaine Lewis, BA


Elaine is our associate responsible for administration in our Waterloo Head Office.

Dave Spencer, BSc


Dave is our associate responsible for administration in our Huntsville Office.

Sue Downey


Sue is our associate responsible for administration in our Cambridge Office.