Fee-only Planners and Coaches Directory
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Welcome to the fee-only planners and coaches directory!
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This free directory provides a listing of fee-for-service planners and money coaches in Canada. A listing here does not imply a recommendation of any kind by the host.
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Green shading under services offered indicates that the given planner does offer those services. The sheet is very wide, keep scrolling right -->
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Maintained by John Robertson, see http://directory.valueofsimple.ca for more discussion of the directory and to add yourself to it.
Looking for advice but want to learn to DIY the investment implementation part? Check out course.valueofsimple.ca
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Services Offered
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NameFirm or OrganizationDesignation(s)Languages SpokenGeneral Financial PlanningMoney coachingCashflow mgmt and budgeting Debt mgmt and credit support Retirement planning Retirement spending & decum- ulation planning Tax planning Estate planning Insurance planning Severance pensions early retirement Portfolio reviews Portfolio mgmt DIY investor support Dual- citizenship cases Expatriate issues & retiring abroad Change & transition mngmntDisabilities & RDSP Prof corp Small family businessDivorce issuesSpecialitiesFee DescriptionTypical Meeting and Target ClientInvestment PhilosophyInvestment ManagementRemote AvailabilityProvinceCityAddressPhone NumberWebsiteEmailRnd
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Sandi MartinSpring Financial PlanningCFPEnglishYesYesYesYesYesYesYesYesYesYesYes000000000Family and individual goal-setting and trade-offs based on your fundamental values

Portfolio reviews and investor education

Retirement readiness assessments and retirement income planning

Risk review

Implementation checklist and simple to follow action items are part of every plan		$3,750 - $5,000 for a comprehensive financial plan and year-long implementation engagement

Fees are based on the time and complexity assessed in our Discovery meeting.		Our clients know what's really important to them, and are willing to make trade-offs in order to live their best lives. We follow a four meeting process (by phone or video chat) for each client engagement:

1) Discovery: This is where we get to know each other, and I gather enough information to write a proposal based on your unique circumstances and goals
2) Foundation: Once you've shared information about your spending, investments, insurance, and risk-tolerance, we meet for a Foundation Meeting to discuss your values and make sure we're working towards the same goals. (1.5 hours)
3) Plan Presentation: In this meeting we're reviewing my analysis and recommendations, and going through any questions you might still have before you start implementing your plan. (1.5 hours)

We check in at six months by email and at twelve month annual review meeting to ensure you're making progress and offer help if things have changed, and continue to check in once a year thereafter.		A low cost, broadly diversified portfolio with a long-term focus for which most decisions have been made in advance.

If managing your own portfolio isn't the right fit, We'll refer you to a low-cost advisor that we trust. (We do not accept referral compensation of any kind)		No, I don't personally provide management, but do refer to my network for implementationYesONGravenhurst(844) 498-3397https://springplans.casandi[at]springplans.ca0.9789353019
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Noel D'SouzaMoney Coaches CanadaCFPEnglishYesYesYesYesYesYesYesYesYesYesYes0000Yes0YesYes0Goal setting and prioritization, retirement readiness assessment and retirement income planning, portfolio reviews and investing principles, cash flow and budgeting, debt management and reduction.

I work with clients on an ongoing basis to keep their plans relevant to their changing lives.		$3000 - $6000 for a comprehensive financial plan and for implementation support during year 1, then $150 - $350/month for on-going advice and annual plan updates.I work with clients across Canada exclusively online via phone and online meeting tools. Meetings are 1 to 2 hours to allow for an in-depth discussion of relevant issues.

My clients are typically:
- professionals who earn a good income, but have many demands on that income and their time and need to be efficient with both
- not necessarily high-net worth, and know they could and should be doing better at saving and investing but need help getting there
- undergoing a significant life transition and need guidance to find a "new normal"
- getting their finances organized for the first time and just don't know where to start		Based on the type of investor you are, we match you with appropriate investing solutions at a reasonable price. We do not receive referral compensation of any kind, but may be able to offer reduced investment management fees.No, I don't personally provide management, but do refer to my network for implementationYesONToronto(647) 478-9370http://mcoaches.ca/noeldnoel[at]moneycoachescanada.ca0.2291594571
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Kathy WaiteYour NetWorth Manager Financial Planning Certs 1996 Cert Seniors Advisor Canadian Farm Advisor Cert Cash Flow Specialist in training EnglishYesYesYes0YesYesYesYesYesYesYes000YesYesYesYesYesYesPortfolio & investment strategy second opinion /education. Investing to achieve your goals for the lowest cost, taxes & risk possible. Retirement readiness coaching and lifestyle in retirement wisdom. Cash flow. Disaster proofing life, just-in-case plans (advanced care and end-of-life decisions)Annual subscription so fees are limited but the help you receive is not. $2500 year 1 financial check up, education and on going support. Annual reviews $1000. Young adult children are included.Are we on track? Can we really retire and maintain our standard of living? A general feeling of unease about our situation. Dissatisfied, suspicious of sales people who may have a hidden agenda. What could we do better? What don’t we know?

A long, jargon-filled plan doesn’t hep people get where they want to be or change behaviours. My time tested and proven process provides a framework for success so you feel in control.

Ideal client is looking for options, honest answers, education. Whether it’s the edited explanation or in-depth detail, most require a co-pilot to bounce ideas off.		Understanding your time horizons and risk tolerance is key to designing a low cost, minimum volatility asset allocation. I don’t believe in chasing market returns, prefer to index and get our fair share. No, I don't personally provide management, but do refer to my network for implementationYesSKRegina
(306) 535-2255
http://yournwm.caK[at]yournwm.ca0.1455111585
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Janet Gray
Money Coaches Canada
CFP, CHS, EPC, CPCAEnglishYesYesYesYesYesYesYesYesYesYesYes000YesYesYesYesYesYesSpecializing in transition planning like retirement, job changes, divorce, death etc. Also working with small businesses or entrepreneurs.Project based fees range from $2500 - $3500 or more depending on complexity of each case. The typical client engagement is 4-6 months and is a coaching relationship so that motivated individuals can make positive financial changes going forward. No, I don't personally provide management, but do refer to my network for implementationYesONOttawa(613) 834-6639http://mcoaches.ca/JanetGjanet[at]moneycoachescanada.ca0.6331528728
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Alexa BodelChalten Fee-Only Advisors Ltd.CFA, CFP(Canada & US), MBAEnglishYes0Yes0YesYes00YesYesYesYesYesYesYes00YesYesYesInvestment Advice - registered in BC and Alberta to give investment advice. Will seek other registrations as necessary. Will work with DIY investors or investors that want us to implement their plan for them.
Cross border - CFP in both US and Canada 		Project fees - $600 for one module to $3,500 for a comprehensive plan.
Investment management fees - % of AUM on a declining scale starting at 1% (includes financial planning)		We work with professionals and their families to help them organize their finances to achieve what they desire in life. We offer complimentary initial consultations which typically lead to a proposal. Once we agree to work together we spend more time to chart a plan for working together to achieve exactly what the client wants/needs.Evidence-based philosophy - sensible low cost, diversified portfolios with asset allocation based on client risk tolerance and disciplined rebalancing. We do not try to time markets or pick individual stocks. For implementation we use low cost funds from Dimensional Fund Advisors and ETFs from Vanguard and iShares.Yes, I provide managementYesBCVancouver(604) 922-7880http://www.chaltenadvisors.comalexa[at]chaltenadvisors.com0.557610594
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Graham BodelChalten Fee-Only Advisors Ltd.CFA, MBA, MScEnglishYes0Yes0YesYes00YesYesYesYesYesYesYes00YesYesYesInvestment Advice - registered in BC and Alberta to give investment advice. Will seek other registrations as necessary. Will work with DIY investors or investors that want us to implement their plan for them. Project fees - $600 for one module to $3,500 for a comprehensive plan.
Investment management fees - % of AUM on a declining scale starting at 1% (includes financial planning)		We work with professionals and their families to help them organize their finances to achieve what they desire in life. We offer complimentary initial consultations which typically lead to a proposal. Once we agree to work together we spend more time to chart a plan for working together to achieve exactly what the client wants/needs.Evidence-based philosophy - sensible low cost, diversified portfolios with asset allocation based on client risk tolerance and disciplined rebalancing. We do not try to time markets or pick individual stocks. For implementation we use low cost funds from Dimensional Fund Advisors and ETFs from Vanguard and iShares.Yes, I provide managementYesBCVancouver(604) 922-7880http://www.chaltenadvisors.comgraham[at]chaltenadvisors.com0.6984821463
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Ngoc DayMacdonald Shymko & Co. Ltd.CFP, CIM, TEP, RFPEnglishYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYes0Specializing in comprehensive financial planning tailored to the client's specific goals and situations.Hourly fees and/or percentage of asset under managementETFs, non-market prediction approachYes, I provide managementYesBCVancouver(604) 687-7966http://www.macdonaldshymko.comnday[at]msc-feeonly.com0.1720442829
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Anne BrandtAnne Brandt Personal Financial ConsultingCFP, RFP, CFDSEnglishYes000YesYesYesYesYesYesYes000000Yes0YesComprehensive Retirement Planning
Severance and Early Retirement Packages and pensions
Decision Consulting
Personal Tax Planning and Preparation
Divorce Planning		$150 per hour for consultations
Comprehensive financial/ retirement plans range between $1,500 - $3,000
Smaller modular projects range from $450 - $1,500		Clients who are 5 - 15 years from retirement who are looking for an independent assessment and/or comprehensive retirement plan.

Clients who are retired and looking for help making decisions on how to access retirement funds from an investment, tax and cash flow perspective.

Decision consulting on pension options, severance and early retirement packages; and financial planning.		No, I don't provide investment managementYesBCCoquitlam(604) 552-1696http://www.annebrandtfinancial.comanne[at]annebrandtfiancial.com0.3196711086
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Andy HammondHammond FinancialCPA, CAEnglishYesYesYesYesYesYesYesYesYesYesYes00000Yes000Two specialities
- Young professionals needing long term financial guidance and strategic advice
- Retirees (or near retirees) requiring retirement planning and decumulation advice		Fee examples posted on the website.
Project based fees are always a fixed price and quoted in advance.
Hourly consultation if required based on $150 per hour.		First hour consultation is complementary.
I prefer face-to-face meetings in order to get to know clients and establish a long-term relationship.
Typical issues raised are:
I need a sober second look at my financial situation
Am I on schedule to retire ?
Will I have enough to retire on ?
How can I pay for everything ?!		Index investingNo, I don't provide investment managementYesONAjax(289) 200 6642http://www.hammondfinancial.caandyhammond[at]rogers.com0.09665721898
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Judith CaneCHSEnglishYesYesYesYesYesYesYesYesYesYes00000000Yes0Money Coaching fees start at $2,000 + HST
Financial Planning fees start at $3,000 + HST
Hourly Rate is $180		I offer a 30 minute complimentary consultation to determine what the client is looking for and whether the services I offer can help achieve their goals. I work with clients who make a good income but can't seem to get out the debt cycle. Once the clients has moved out of that cycle, we work to create and implement a financial plan.No, I don't provide investment managementYesONOttawa(613) 875-5834http://www.judithcane.com0.6329025364
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Karen RichardsonMoney Coaches CanadaFPSC Level 1EnglishYesYesYesYesYesYesYes0YesYes00Yes00Yes0YesYesYesBudgeting and Cash Flow Planning
Financial Education
Pre-Retirement Planning		$2,300 - $3,500 for comprehensive financial planning
$800 - $2,500 for cash flow planning 		Karen partners with her clients. She meets them in the present moment of their financial journey, and helps them create a map to where they want to be. Her respect for their personal values and goals creates a relationship of trust, in which they can openly and honestly share their dreams and concerns about their finances.To work with a fee-only planner in partnership with your financial advisorNo, I don't personally provide management, but do refer to my network for implementationYesONKenora1217 St. Clair St(807) 407-5002https://moneycoachescanada.ca/about/karen-richardson/karen[at]moneycoachescanada.ca0.8470115524
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Paul LambeConsultantCFP, FMAEnglishYes000YesYesYesYesYesYesYes0Yes000YesYesYesYesComprehensive Financial Plans$75/hr

To discuss any financial planning need in detail.

To develop a comprehensive financial plan. 10 hour minimum.
Initial telephone or email to determine what the client is seeking and to provide an estimate to fulfill the clients wishes.
Asset AllocationNo, I don't personally provide management, but do refer to my network for implementationYesONBrampton86 Archibald St.(647) 286-7710http://www.doctorestate.com/EstateGTA[at]gmail.com0.6207886276
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Bruce Q. ThompsonBQT & Associates Financial PlanningCFPEnglishYesYesYesYesYesYesYesYesYesYesYes0000YesYesYesYesYesHaving spent 5 years providing financial planning services to Canadian physicians, I am very comfortable with the ins and outs of, and tax saving opportunities available with professional corporations. I also specialize in retirement planning and the tax efficient draw-down of retirement assets.Comprehensive financial plan: $1,800 - $3,600. Individual modules (ie:
investment review & recommendations): $500 + $150/hr. No charge, no
obligation, 45-60 minute initial consultation.		We typically work with singles or couples approaching, or early into,
retirement, who want to be sure that they are making wise choices
regarding CPP, OAS, investing, tax minimization, and estate preparation.

No-charge, no obligation, 45-60 minute initial consultation. 		Investing doesn't have to be complicated or expensive. It does, however, have to be be done based on your individual cash-flow needs and income tax circumstances. No, I don't personally provide management, but do refer to my network for implementationYesSKRegina(306) 216-0016bruce.quinn.thompson[at]gmail.com0.2762116351
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Steve BridgeMoney Coaches CanadaCFPEnglishYesYesYesYesYesYes000000000Yes0000We don't sell any products nor receive any commissions. Everything we do is with our clients' best interests at heart. I specialize in people wanting an unbiased look at their retirement plans or help with getting out of debt and figuring out their cash flow challenges.We charge a flat fee on a per engagement basis. The cost depends on the complexity of the situation (regular job, self-employed, corporation, single, couple, children, etc.).Engagements typically last in the three to four month range with anywhere from three to five meetings, each lasting about 90 minutes. It is a very collaborative customized process.Low fees, long term thinking.No, I don't personally provide management, but do refer to my network for implementationYesBCNorth Vancouver2146 Old Dollarton Road(604) 754-5911http://moneycoachescanada.ca/steve-bridge/steve[at]moneycoachescanada.ca
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Christine WillistonMoney Coaches CanadaFPSC Level 1 Certificant in Financial PlanningEnglishYesYesYesYes00000000000Yes00YesYesCash flow and budgeting. I help families and self employed people take a fresh look at their finances. I guide my clients through a process where they set goals and create a plan to put their money to it's best use, now and for the future.Fees are project based ranging from $2000 to $3500 depending on complexity.I work with clients over a 3 to 6 month period to help them define and move forward in their financial goals. My typical client is successful in their career but feels that they could do better in directing their money towards the things that are most important to them. No, I don't provide investment managementYesBCNorth Vancouver2146 Old Dollarton Road(778) 838-7459http://moneycoachescanada.ca/christine-williston/christinewilliston[at]moneycoachescanada.ca
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Leslie GardnerMoney Coaches CanadaCFPEnglishYesYesYesYesYesYesYesYesYesYesYes0000000Yes0Specializing in cash-flow strategies as well as life transitions such as retirement, death, job changes, etc. I have a bookkeeping background for those with a small business or entrepreneurs.Project based fees that range from $2,000- $3500 depending on complexity of each situation. I offer a Complimentary consultation to help determine a fee.A client engagement is typically 4-6 months. I work with cash flow clients those looking for help with debt or finding savings and I work with clients looking for an unbiased review of their finances and recommending changes in order to meet their goals.No, I don't personally provide management, but do refer to my network for implementationYesBCLantzville8250 Lorenzen Lane(250) 320-8432https://moneycoachescanada.ca/about/leslie-gardner/leslie[at]moneycoachescanada.ca
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Julia ChungSpring Financial PlanningCFP, CLU, FEAEnglishYes000YesYesYesYesYesYes000YesYesYesYesYesYesYesSpecializing in complex planning for business owners and individuals with cross border issues.

We coordinate advice, and work with your advisory team to develop seamless, integrated services.

Retirement, Tax, Estate, and Family Business are key arenas of expertise. 		A flat annual engagement fee is customized based on complexity and estimated time commitment. Hourly rate ranges from $150-$300.

We pride ourselves on being unbiased and do not accept referral fees.		Our clients are typically business owners and/or people with dual citizenship or residency. We also work with those who are considering retirement, and in retirement.

Meetings are held in person or by telephone/video conference. Our process is built around client needs but usually follows this pattern:

Discovery Meeting: No Charge
Proposal, Estimate & Engagement Letter
Plan Presentation Meeting
Quarterly Meetings
Ongoing email and phone support for 1 year
Annual Update & Re-Engagement		Long Term, MethodicalNo, I don't personally provide management, but do refer to my network for implementationYesBCSurrey404-1688, 152nd Street844.498.3397https://springplans.cajulia [at] springplans.ca
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Rose RaimondoRaimondo & Associates Ltd.CFP, RFP, CHICoachEnglishYesYesYes0YesYesYesYesYesYesYes0000Yes0000We specialize in retirement planning and help clients address questions such as:
1. Do I have enough to retire?
2. When should I collect my pensions and draw down my RRSP?
3. How do I minimize my taxes?
4. How do I invest during my pre- and post-retirement years?		$175 - $250 per hour depending on the type of engagementWe work with clients who are interested in increasing their financial literacy and taking control of their financial decision-making.

We work with clients of all ages, but specialize in retirement planning. 		No, I don't provide investment managementYesABCalgary305-4625 Varsity Drive NW, #329(403) 288-8561http://www.raimondo-associates.comrose[at]raimondo-associates.com
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Heather Franklinn / aCFPEnglishYesYesYes0YesYesYesYesYesYesYes0Yes0000000No specialized field of endeavour: general, holistic financial planningConsultation fee > $150 per hour

also, pre arranged fee for project 		No specific target clientNo one size fits allNo, I don't provide investment managementYesONToronto43 Geraldton Cres.(416) 223-9826msheatherfranklin[at]hotmail.com
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Michael DeepwellLamp Financial Inc.CPA, CA, CFP, CLUEnglishYesYesYesYesYesYesYesYesYesYesYes0Yes00Yes0YesYesYesPeople appreciate the multi-disciplinary approach Michael brings, with designations in financial planning (Certified Financial Planner), accounting and tax (Chartered Professional Accountant of BC), and estate planning (Chartered Life Underwriter). More information at lampfinancial.comFee based on client's requests. Projects range from $400-1,000.
Comprehensive financial plans range from $2,000-5,000, depending on services, complexity, jurisdictions, and people involved.		Initial complementary meeting to discuss the needs and fit. Then project-based engagement.

Typical clients include: entrepreneurs, owner-run businesses looking to grow, young couples combining finances, couples accumulating wealth after their children leave the home, and retirees.

Clients also include workshop participants. Michael is an active guest speaker, sharing on personal finances, income taxes, insurance, savings and retirement planning, end of life planning, and financial products to people of all ages.		Based on Client's investment planNo, I don't personally provide management, but do refer to my network for implementationYesBCVancouverSuite 700 - 838 West Hastings Street, Vancouver, BC V6C 0A6(604) 250-8062http://www.lampfinancial.commichael[at]lampfinancial.com
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Lenore DavisDixon, Davis & Company Inc.CFP, R.F.P.EnglishYes0Yes0YesYesYesYesYesYesYes0Yes000YesYesYesYesWe help our clients manage their relationship those who manage their money. We offer tax effective cash flow management strategies as people accumulate wealth and subsequently spend what they have saved.Ad hoc (focused) consultation $200 per hour. Basic Retirement assessment (cash flow, net worth, income tax evaluation, integration of pensions, RRSP etc) $1800 - $2000. Complex projects up to $5000An introductory meeting allows both client and DDC to evaluate the need for our services. We have no minimum net worth or investment portfolio restrictions. Letter of engagement lays out the project and estimated cost. Client provides data, we review and analyse. Interim report and discussion helps focus final report that will have action steps and time lines to be followed.Capital preservation over a market cycle is key. Modest, predictable income flows forms the base for anticipated returns.No, I don't personally provide management, but do refer to my network for implementationYesBCVictoria1027 Pandora Ave(250) 413-3230http://www.dixondavis.comlenore[at]dixondavis.com
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Gordon StockmanEfficient Wealth Management Inc.CPA, CA, CFP, CIMEnglishYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesExperts in the use of ETF portfolios.
Specialists in retirement planning and especially de accumulation.
Portfolios designed specifically for de-accumulation. Cross-border and expat experts -- Investment Adviser Representative in New York state, and we also do US tax returns.		True fee-only always with client originated fees only.First hour free.
Initial cash flow based financial plan for all clients.		In all things, we remove client's angst.Yes, I provide managementYesONMississauga39 Lakeshore Road East, Suite 100A(416) 410-9809http://www.efficientwealth.comgostockman[at]efficientwealth.com
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Ron GrahamRon Graham and Associates Ltd.CA, RFP, CFPEnglishYes000YesYesYesYes0YesYes0Yes00Yes0000Hourly Fee of $200Buy and hold good quality stocks and bondsNo, I don't personally provide management, but do refer to my network for implementationNo, in-person elements requiredABEdmonton100, 10585 - 111 Street(780) 429-6775http://www.rgafinancial.comrgraham[at]rgafinancial.com
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Joe BarbieriJoe the InvestorCFA, BCom, BASc (Civil Eng)EnglishYesYesYesYesYesYesYesYes0YesYesYesYes00Yes00Yes0Retirement Planning, Life Transitions, Investments and Tax StrategyHourly or Customized Project Fee
$150/hour
Investment or Retirement Plans
$1500 flat fee
Complete Financial Plan
$2800 flat fee
Prices include HST.		My typical client will be seeking an independent opinion, a better understanding of their financial situation, efficiency and simplification in their investments and a holistic approach to financial planning which would include emotional, psychological and individual lifestyle preferences. Focus on Low Cost Portfolios customized for client needsNo, I don't provide investment managementYesONToronto309-80 Quebec Avenue(647) 286-8020http://www.joetheinvestor.cajoetheinvestor.today[at]gmail.com
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Margaret (Peggy) CameronCameron Leadership Development Inc.CFP, RFP, MBA, FDSEnglishYesYes00YesYesYes00Yes000YesYesYes00YesYes1) Helping individuals overcome the limiting beliefs and fears that are holding them back from the success they want;
2) Coaching you through any financial question/crisis such as starting a new business, early retirement planning, lay offs, divorce, or death in the family
3) Income tax strategies		$275/hr+HST for hourly work;
Projects quoted at the time;		I work with you to
1) Figure out where you are now and where you want to go
2) Develop strategies to ensure you get there
3) Figure out what resources you need to get there
4) Make sure you are ready to move forward		No, I don't personally provide management, but do refer to my network for implementationYesONOttawaSuite 305 - 150 Isabella St., Ottawa, ON K1S 1V7(613) 699-5125http://www.CameronLeadership.caCameronLeadership[at]gmail.com
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Mike BayerStrategic Analysis Capital Management Inc.CFP, CIM, FCSIEnglishYes000YesYesYesYesYesYesYesYesYes0000YesYesYesI add value by focusing on three areas: Portfolio Construction (using broadly diversified low cost ETF's), Wealth Management (rebalancing and value averaging) and Behavioural Coaching (helping you to make smarter and more rational investment decisions).Professional services are billed at a fee of $250 per hour with a 10 hour minimum engagement. Typically, a simple investment plan will require 10 hours of consulting and implementation services.I'm happy to work with any client (large or small) who is committed to an evidence based investment approach. In simple terms, a disciplined buy and hold approach using broadly diversified low cost ETF's (Exchange Traded Funds) and/or indexed mutual funds. No active management, no hedge funds, no private equity, no "alternative" investments. Evidence based investingYes, I provide managementYesONMississauga5572 Haddon Hall Road(416) 576-6777https://www.financialstrategy.camikebayer[at]financialstrategy.ca
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Jason HeathObjective Financial Partners Inc.CFPEnglishYes000YesYesYesYesYesYesYes0YesYesYesYesYesYesYesYesWe specialize in retirement planning with a focus on accumulation and decumulation issues. We also provide tax, estate, investment and insurance planning services. Our fees are generally project-based and dependent on a client's personal situation. We can provide a quote after an initial phone conversation. We work with clients of all ages. We work with clients who are employees as well as those who have corporations and more complex situations. Most of our clients live in Ontario, but we work with many people across the country as well as expatriates with Canadian ties. The ideal client is someone looking for objective and comprehensive financial advice. We have a bias towards a low-cost, low turnover, passive approach, but see our role primarily as educators so that a client is investing on purpose. Most of our clients work with an investment adviser where our role is complimentary, but many are DIY investors. No, I don't personally provide management, but do refer to my network for implementationYesONMarkham8500 Leslie Street, Suite 101(416) 691-8471 x 1http://www.objectivefinancialpartners.com/jheath[at]objectivefinancialpartners.com
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William D. JackWilliam D. Jack & AssociatesCFP, FCIA, CPCAEnglish0000YesYes000000000Yes0000Lifestyle and financial aspects of retirement. Specialization in retirement income planning and retirement income generators.Fees based on $250 per hour and complexity of situation. After introductory meeting, I provide fixed fee quote usually, $2,500 to 3,500. I provide a range to allow for additional scenarios.Clients approaching retirement or starting the transition to decumulation.
Three to four face-to-face meetings, preferably with spouse involved.		I refer clients to expertsNo, I don't personally provide management, but do refer to my network for implementationYesONToronto36 Toronto Street(416) 815-7200http://www.williamjack.cawilliam[at]williamjack.ca
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Rona BirenbaumCaring for Clients and ViviplanCFPEnglishYes0Yes0YesYesYesYesYesYesYesYes0YesYesYesYesYesYesYesAs Viviplan: robo financial planning

As Caring for Clients: Integration of tax, cash-flow needs and investment strategies pre-and post retirement.

Planning for business owners selling or planning to sell their company. Family CFO role coordinating accountants, lawyers, investment managers and other relevant players for the benefit of our client families.		Viviplan: $800 for a comprehensive financial plan + 30-minute call with a planner.

Caring for Clients: Project-based planning typically ranges from $3,000 to $5,000 for a full one-year engagement.

Hourly fees are $300.		Viviplan: Through an online platform, you provide information about your goals, questions, cash flow, net worth, insurance and estate. We call you for any clarifications, then write your personalized financial plan. We then review your plan with you to answer any questions.

Caring for Clients: Our clients are successful executives, entrepreneurs and their families. Our financial planning approach helps clients feel more relaxed and confident about their future by focussing first on the life they really want and by helping them avoid The Money Focus Trap.

Through a combination of standard financial planning processes and advanced life planning and coaching exercises, clients move confidently towards their financial and life goals, while enjoying their life more today.		Our investment philosophy is essentially long term and conservative in nature while structuring a portfolio based on each client's risk profile and long term needs. We put particular emphasis on generating a combination of income and growth from investments while containing risk of capital loss within defined parameters - as a result, our clients sleep more soundly at night.Yes, I provide managementYesONToronto69 Yonge St.(416) 363-8500 x135http://viviplan.com

http://www.caringforclients.com
rona[at]viviplan.com

rona[at]caringforclients.com
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Edmond FhimaTulett, Matthews and Assoc.C.Adm.F.P., CFP, RFPEnglish, FrenchYes0YesYesYesYesYesYesYesYesYesYes00YesYesYesYesYesYesSpecialize in small business owners, executives and retirees.Hourly rate is $195 plus taxes. Typical fees for retirement analysis, $1,500 to $2,000.Small business owners
Executives from large and medium corporations
Retirees		Proper diversification by asset class and by region is crucial to a successful investment portfolio.No, I don't personally provide management, but do refer to my network for implementationYesQCKirkland3535 St-Charles Boulevard(514) 695-0096 Ext.110http://www.tma-invest.com/edmond[at]tma-invest.com0.8597210343
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Caroline NalbantogluCNal Financial Planning Inc.C.Adm.F.P., CFP, RFPEnglish, FrenchYesYesYesYesYesYesYesYesYesYesYes00YesYesYesYesYesYesYesCross border issues, expatriate issues, retirement planning, helping choose investment advisors, tax planning, estate palnning.Hourly: $250
Full financial plan:$3,500-$4,500 depending on the complexity
Retirement plan:$2,000 and $2,500 for 2 scenarios 		Typical client is looking for guidance either in planning matters such as estate planning, or expatriate issues or more typically, retirement planning. Have they saved enough to retire? How do they begin disbursements? What is the more tax efficient way to disburse? Are they properly diversified in their investments?No, I don't personally provide management, but do refer to my network for implementationYesQCMontreal20 Saint-Paul W, suite 302, H2Y 1Y7(514) 798-4895 x1http://www.cnalfp.comcnalbantoglu[at]cnalfp.com0.4488284664
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Trevor Van NestNiagara Region Money Coaches and York Region Money CoachesCFPEnglishYesYesYesYesYesYesYesYesYesYesYes0Yes00YesYes0YesYesPermanent debt elimination using a proven budget system
Client education in all areas of managing household finances
Children & Money - developing great money habits
Retirement Projections and cash flow
Investor education and One-time decision support
Young Adults/Divorcee/Widow financial support		Starts with a free/no-obligation 45 minute consultation. $990 - $1395 flat fee per 4-month engagement includes 6 hours with CFP(R) / Money Coach, books and an education in financial stuff.Every situation is unique, and as a Money Coach with over 25 years in the financial industry I know there should never be a typical engagement. A customized agenda is created alongside the client to ensure all needs are addressed.

Young people just starting out need to know what they need to do to succeed financially. Pre-retirees need to understand when they can retire without the risk of running out of money. Choices require an education and an empowering approach. No selling, just fantastic advice in areas of most interest. Average client referral rating of 9.8 out of 10.		Low cost, well-diversified index funds and ETFsNo, I don't personally provide management, but do refer to my network for implementationYesONSt. Catharines and Newmarket26 Hiscott Street, Suite 101 St. Catharines; 17070 Yonge Street, Suite 100 Newmarket(289) 969-4180 or (905) 252-4180http://www.niagararegionmoneycoaches.com http://www.yorkregionmoneycoaches.comTrevor[at]niagararegionmoneycoaches.com or trevor[at]yorkregionmoneycoaches.com0.01082313029
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Stevan DostanicAstrolabe Financial Group Inc.CFAEnglish, FrenchYes000Yes0Yes0YesYesYes0Yes00YesYesYes00Specializing in helping individuals transition to a do it yourself (DIY) passive indexing approach, using low fee Exchange Traded Funds (ETFs) to construct properly diversified investment portfolios aligned with client goals and risk tolerance. Professional guidance for DIY investors.$150/hr with an average cost of $1,500 to $3,000+ depending on complexity.An introductory call is made to discuss client needs and potential cost (free of charge). If there is a good fit between us and the client, a face to face meeting is held to gather more detailed information.

Average client is looking for professional guidance as they transition to a do-it-yourself portfolio management approach using low cost exchange traded funds (ETF) or someone looking to get confirmation on income sustainability at retirement (retirement planning).		Passive Indexing with a focus on Asset Allocation and RebalancingNo, I don't provide investment managementYesONOttawa1775 Courtwood Crescent, Suite 200(613) 221-6061http://www.astrolabefinancial.castevan.dostanic[at]astrolabefinancial.ca0.6825668791
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Ryan KerrAstrolabe Financial Group Inc.CFAEnglishYesYesYes0YesYesYes00YesYes0Yes00YesYesYes00Specializing in helping individuals transition to a do it yourself (DIY) passive indexing approach, using low fee Exchange Traded Funds (ETFs) to construct properly diversified investment portfolios aligned with client goals and risk tolerance. Professional guidance for DIY investors.Our rates are $150/hour.
Comprehensive financial plans generally average 20-25 hours.		An introductory call is made to discuss client needs and potential cost (free of charge). If there is a good fit between us and the client, a face to face meeting is held to gather more detailed information.

Average client is looking for professional guidance as they transition to a do-it-yourself portfolio management approach using low cost exchange traded funds (ETF) or someone looking to get confirmation on income sustainability at retirement (retirement planning).		Passive Indexing with a focus on Asset Allocation and RebalancingNo, I don't provide investment managementYesONOttawa1775 Courtwood Crescent, Suite 200(613) 221-6061http://www.astrolabefinancial.caryan.kerry[at]astrolabefinancial.ca0.5645415931
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Doug GrantDoug Grant, Financial Counselling & MentoringDFP, PhDEnglishYes000YesYesYes00YesYesYesYes0000000I provide an unbiased second opinion on current holdings, and assistance with the transition to DIY investing. Portfolios of exchange traded funds are a specialty.$80/hr., plus tax. Discounts: post-secondary employees, or those involuntarily separated from employment. Military, past or present, should self-identify; further documentation may be required.Clients of any age are welcome, but typically are seeking advice on the feasibility of retiring. They are often unsatisfied with conventional planning involving mutual funds; some have pension plans. First 30 minutes are complimentary, and focus on data gathering, determining services requested, overview of documents and estimate of the time and cost involved. If the client(s) wish to proceed, more detailed discussion of background knowledge and risk tolerance will follow. After analysis, a written report will follow with detailed recommendations, including options for reinvestment of assets and, usually, projected retirement income.Low-cost diversified investingNo, I don't provide investment managementYesONKitchener8 Stanmore Ave.(519) 896-9156http://dgrantfinancial.webs.comdgrantfinancial[at]yahoo.ca0.5080414267
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Gina MacdonaldMacdonald Shymko & Company Ltd.CFP, RFP, CIMEnglishYesYesYes0YesYesYesYesYesYesYesYesYesYes0Yes0YesYesYesComprehensive financial planning and portfolio management services.Hourly $240 per hour
Assets under Management assessed a percentage fee.		Looking for motivated individuals focused on achieving their personal and financial goals.Yes, I provide managementYesBCVancouver950-510 Burrard Street(604) 687-7966http://www.macdonaldshymko.comgmm[at]msc-feeonly.com0.0629235718
43
Shannon Lee SimmonsNew School of FinanceCFP, CIMEnglishYesYesYesYesYes0Yes000Yes0000000Yes0We specialize in
1. Variable income households (self-employed)
2. First-time investors
3. First-time home buyers
4. Family Planning
5. Recent Grads
6. Household cash management		Household financial planning $350
Personal Financial Planning $250
Portfolio Review $350		No, I don't provide investment managementYesONToronto51 Wolseley(905) 808-4317http://www.shannonleesimmons.cominfo[at]newschooloffinance.com0.1292289334
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Susan StefuraBespoke Financial Consulting Inc.CFP, RFP, TEP, FCSI, CDFAEnglishYesYesYesYesYesYesYesYesYesYes00000YesYesYesYesYesSpecializing in retirement planning and decumulation issues, as well as tax minimization strategies. Specializing in collaborative divorce.$250/hour and also project-based fees depending on planning work (see website for full list)We have a 2-meeting process starting with a Discovery meeting to fully understand individual goals & objectives, followed by a Plan Presentation meeting where we review and discuss your plan in detail. We provide you with specific recommendations and an Action Checklist that keeps implementation on track.

Our clients include employees, retirees, business owners and professionals of all ages. Our best clients are people who are motivated to take charge of their financial future and looking for expert advice to make sure they are on the right track and not missing any opportunities.		N/ANo, I don't personally provide management, but do refer to my network for implementationYesONToronto100 King Street West, 56th Floor(647) 980-9113http://www.bespokefinancial.casusan[at]bespokefinancial.ca0.8443842122
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Cherise BermanBespoke Financial Consulting Inc.CA, CFP, RFP, TEPEnglishYesYesYesYesYesYesYesYesYesYes00000YesYesYesYes0Specializing in retirement planning and decumulation issues, as well as tax minimization strategies.$250/hour and also project-based fees depending on planning work (see website for full list)We have a 2-meeting process starting with a Discovery meeting to fully understand individual goals & objectives, followed by a Plan Presentation meeting where we review and discuss your plan in detail. We provide you with specific recommendations and an Action Checklist that keeps implementation on track.

Our clients include employees, retirees, business owners and professionals of all ages. Our best clients are people who are motivated to take charge of their financial future and looking for expert advice to make sure they are on the right track and not missing any opportunities.		N/ANo, I don't personally provide management, but do refer to my network for implementationYesONToronto100 King Street West, 56th Floor(416) 875-9113http://www.bespokefinancial.cacherise[at]bespokefinancial.ca0.2894203616
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Ian BlackMacdonald, Shymko & Company LtdRFP, TEP, Portfolio ManagerEnglishYesYesYesYesYesYesYesYesYesYesYesYes0YesYesYesYesYesYesYesRetirement planning, estate planning and portfolio management.$240 per hour for financial planning, percentage of portfolio for management.On-going relationship with business owners and professionals. Provide comprehensive financial planning and investment management, including income tax preparation.We use ETFs and other non-active strategies. Yes, I provide managementNo, in-person elements requiredBCVancouver950 510 Burrard St(604) 687-7966http://www.macdonaldshymko.comiblack[at]msc-feeonly.com0.1631614239
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Daniel TrezubEnglish, Brazilian Portuguese0Yes000000000000000000Specializing in money behaviour and money habits.10 weekly online sessions: we'll work on money-related habits and behaviour, assess your present situation and design a specific goal.
One payment of $1000 or 3 payments of $370.		I help people with a decent income to overcome money-related problems, helping them take control of their finances to stop worrying about money so they can focus on what's really important in life (according to themselves).No, I don't provide investment managementYesQCMontreal3-5000 boulevard Pie-IX(514) 998-8952http://www.savewithdan.cadaniel3ub[at]gmail.com0.1474956735
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John PalimakaPolonus Financial ServicesCFPEnglishYesYes00YesYesYesYesYesYesYes0Yes000Yes000Retirement planning, income tax preparation, financial planning for persons with disabilities, support for major decisions such as transition from a family home to a retirement residence and insurance needs analysis My hourly fee is based on the income of the client in order to provide affordable financial planning for anyone that feels they have a need for it. My minimum rate is $60 per hour.Since I provide income tax preparation services to my clients, my financial planning services are often an extension of this service based on discussions I have with my clients in gathering the information required to prepare their tax returns.A GIC ladder as a foundation plus ETFsNo, I don't provide investment managementYesONOttawa (East)P.O. Box 46101, RPO Beacon Hill, Ottawa, ON K1J 9M7(613) 715-0820http://www.polonusfinancial.compolonus.financial[at]gmail.com0.03768808394
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Nancy GrouniObjective Financial Partners Inc.CFPEnglishYes0YesYesYesYesYesYesYesYesYes0YesYesYesYesYesYesYesYesSpecializing in retirement planning, investment planning and eldercare planning needs. Our Single meeting Retirement Plan Analysis starts at $3,000 plus HST and our Two Meeting Comprehensive Financial and Investment Plan Analysis starts at $4,500 plus HST. I provide fee only, unbiased comprehensive financial planning advice. I do not sell any products and do not receive any referral fees. In this way, my advice remains 100% unbiased and am able to put my clients best interests forward. I work with single people, couples, seniors and families at all planning stages. I empower them with the advice and tools they need to take control of their financial lives. No, I don't personally provide management, but do refer to my network for implementationYesONMarkham8500 Leslie Street, Suite 101(416) 691-8471 x 5http://objectivefinancialpartners.com/ngrouni[at]objectivefinancialpartners.com0.687912342
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Markus MuhsCanaccord Genuity Wealth ManagementCFP, CIMEnglishYesYesYesYesYesYesYesYesYesYesYesYesYes0000YesYesYesSpecializing retirement, education planning as well as Prof Corps.

Insurance planning is offered through a very experienced partner who is insurance licensed. He is salary + commission, with commission split 50/50. For fee-only clients I deduct my portion of the commission from outstanding fees.		Standard financial planning: $2000/yr. More complex situations/HNW: $3000-$5000/yr. Full details on website.I don't do "one-off" financial plans. I currently (2018) work with around 100 households on a long-term basis and will take on at most 50 more. Initial consultations (up to 90mins) are completely free of charge and an opportunity for you to gauge if you want to enter a long term financial planning relationship, as well you'll probably get some free advice.Evidence based, simplicity, minimal fees, maintain disciplineYes, I provide managementYesABEdmonton2700-10180 101 St NW(780) 408-1502http://www.muhs.camarkus.muhs[at]canaccord.com0.1649190182
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Nicholas HuiVAVE Financial PlanningFPSC Level 1 Cert, MBA, P.EngEnglishYesYesYesYesYesYesYes0Yes0YesYesYes00Yes0000- Cash Flow Management
- Retirement Projections
- Scenario/Transition planning
- Helping clients move away from high fee mutual funds to set up either a Passive Portfolio of ETFs or through a Robo-advisor		Full financial plan plus 12 months of Money Coaching - Introductory rate of $120/month. Module based projects starting at $500 per project. 30 minute free initial consultation. Target clients are young professionals and families. I believe in a balanced, globally diverse, portfolio of low-cost ETFs with regular re-balancing or utilizing a robo-advisor.No, I don't personally provide management, but do refer to my network for implementationYesONMarkham12 Kentley Street(647) 220-3122http://www.vavefinancial.comnhui[at]vavefinancial.com
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Murray ChildOpus Wealth Advisors Inc.CFP, RFPEnglishYes0Yes0YesYesYesYesYesYesYes000000YesYes0Specializing in Retirement Income Planning, Estate Planning and Wealth Advisory for corporations$250 per hour or minimum $1,500 for full financial plan, usual range is $2,500 to $5,000We spend a lot of time to get to know our clients and their needs. Every solution is unique....no cookie cutter plans. Our client service program differentiates us.Yes, I provide managementNo, in-person elements requiredONWaterloo745 Bridge Street W, Unit 3(519) 888-6160http://www.opuswealthadvisors.commurray[at]opuswealthadvisors.com0.3688784572
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Matthew BeckettCoastal Community Private Wealth GroupCFP, CIM, BComEnglishYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesMulti-generational Financial Planning
Goals Based Vision process with a Road Map on how to get there
Tax Planning
Estate Planning
Portfolio Management		Depending on the complexity $1000 to $2500 for the initial plan and $900 to $1400 annually updating. Complex situations would include trust planning, caregiver support program or corporate planning. 3 to 4 meetings online, over the phone or in person over 90 days. We are looking for clients who are engaged in their finances and want to take control. The ideal client is affluent families, business owners or professionals.Investment Approach: BE LOGICAL "Be Logical” means think about how this investment will serve the world we live in today or in the future. We take a long-term view on investing to produce consistent returns over time. It means consistently sticking to a systematic, disciplined, logical investment approach no matter what the market outlook. And it means staying true to our objectives, ignoring the market noise, anxiety and turning those headwinds into opportunities for future growth.Yes, I provide managementYesBCCourtenay1045 Ryan Rd(250) 703-4165http://coastalwealth.ca/contact/matt-beckett/matt.beckett[at]cccu.ca0.8154889373
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Thomas VennerCFP, CEAEnglishYes0YesYesYesYesYesYesYesYesYes0Yes00000YesYesRetirement Planning, both saving and decumulation, as well as Estate Planning. I have the Certified Excecutor Advisor designation and provide council to clients that have been named as executors. Consultations (phone, email, in-person): $75/hr
Retirement Income & Sustainability Projections: from $250
Written Financial Plans: min $250, increasing with time required/complexity
Taxes from $25
Typical first meeting with client is to discuss their Financial Planning requirements and determine if the services I offer are a good fit. If it is decided that we are to move forward I give the client a Letter of Engagement which outlines which services I will be providing and an estimate of costs. In some cases I answer client questions and follow up with supplemental materials and charge only for my time. When a written plan is required I collect the required documentation from the client and arrange a meeting to go over the resulting plan. I provide access for follow up questions etc by phone/email for no extra charge.Emphasis on lower volatility/risk adjusted returns with capital preservation as a priority. Yes, I provide managementYesONHamilton608 Upper Sherman Ave(905) 512-2311http://www.feebasedfinancialplanning.infothomasvennercfp[at]gmail.com0.653843845
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Chris RyanRyan Lamontagne Inc.CFPEnglish, FrenchYes000YesYesYesYesYesYesYesYes000Yes0YesYes0Our firm offers a wide range of financial services including: financial planning, tax advice and preparation, wealth management, business advice, and corporate accounting.Financial Planning: $125/hour
Standard comprehensive plan will cost $1,500, depending on work involved. Cost is determined during an initial complimentary meeting.
Investment Management: % of AUM		Complimentary initial meeting to discuss the client's financial situation and determine how we are able to address the client's needs.

Typical clients include:
- Clients transitioning between employers/careers
- Clients preparing for retirement (15-2 years from retirement)
- Professionals (engineers, lawyers, business executives)
- Entrepreneurs
- Retirees		Cost effective, ETF based portfolio with a focus on tax efficient asset allocation and regular rebalancing.Yes, I provide managementNo, in-person elements requiredONOttawa1565 Carling Ave., Suite 602(613) 596-3353http://www.ryanlamontagne.comchris.ryan[at]ryanlamontagne.com0.4898310822
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Andrew W BradleyAndrewWBradley.ca Financial ServicesRRCEnglishYes0Yes0Yes00YesYes00000000000Specialize in Retirement Planning$295 for comprehensive retirement plan.People looking to retire in then next 10 years and those that need to maximize their retirement income.Preservation of capital.Yes, I provide managementYesONOttawa13B-2100 Thurston Drive(613) 286-6841http://andrewwbradley.cainfo[at]andrewwbradley.ca0.9718824592
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Ayana ForwardRyan Lamontagne IncCFPEnglishYes000Yes0Yes0YesYes0Yes00000YesYes0Private Client Service – A comprehensive financial planning and wealth management program designed to keep you on track with all of your financial objectives. This program combines financial planning, tax and investment advisory services into one package.Private Client Service: Retainer + Monthly Fee and percentage fee of assets under management
Hourly: $125
Financial and Retirement plans from $1,500 + HST		Complimentary in-person initial consultation. We provide ongoing, unbiased, detailed and comprehensive financial advice.We integrate tax planning, debt management, cash flow needs, insurance, estate issues, and investment strategies as part of our comprehensive approach to financial management – linking all aspects of your family’s finances to balance your short-term and long-term goals.Cost effective, ETF based portfolio with a focus on tax efficient asset allocation and regular rebalancingYes, I provide managementYesONOttawa602-1565 Carling Ave(613) 596-3353http://www.ryanlamontagne.com/ayana.forward[at]ryanlamontagne.com0.7885619335
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Don MaycockAdvantage Wealth PlanningCFP, CIM, P. EngEnglishYes0Yes0YesYesYesYesYesYesYesYes000Yes0YesYes0Specializing in retirement income planning for either pre or post retirees.The minimum fee for a written financial plan is $499 plus HST.Typical client is age 40 and older. A written fee-for-service Financial Plan includes 1) determining your goals and expectations 2) clarifying your present financial status and identifying any problem areas and opportunities. It excludes implementation, review and ongoing monitoring.Yes, I provide managementYesONKingston738 Newmarket Lane(613) 766-0427http://advantagewealthplanning.ca/don[at]donmaycock.com0.6660781086
59
Jackie RudermanJackie Ruderman Money Coaching & Financial PlanningEnglishYesYesYesYesYesYesYesYesYesYesYes0Yes00Yes0000Specializing in cash flow support and transition planningProject-based fees range from $650 for basic financial checkup up to $4,000 for full comprehensive plan. Ongoing support $60-$200/month.I work with clients of all types, including many young professionals with a growing family that are looking to gain a greater handle on their income and expenditures to plan for future education, home ownership or retirement.Buy and hold long-term passive investingNo, I don't personally provide management, but do refer to my network for implementationYesONToronto55 Braemar Ave.(647) 456-8252https://www.jackieruderman.com/jackieruderman[at]gmail.com0.03016852638
60
Heather FranklinCFPEnglishYesYesYesYesYesYesYesYes00Yes0Yes0000000To empower you to take control of your financial situation
To help you identify and define your financial goals and objectives

Increase your financial literacy
To interpret the appropriate financial products and services available
Assist you with “navigating” change
Fee-for-service

Project based		Holistic planner with no specific target demographicBuy and holdNo, I don't provide investment managementYesONToronto43 Geraldton Cres(416) 223-9826msheatherfranklin[at]hotmail.com0.9721069478
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The Morrissey GroupBMO Nesbitt BurnsFCSI CFPEnglishYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesYesWe specialize in providing a tax efficient income stream.Fees to be determined after initial telephone consultation.
Minimum $500/hour.		We work best with clients who require a regular monthly or quarterly income. The goal is to help clients understand the world of income producing vehicles available to them. Risks and returns discussed. Clients will essentially be encouraged to better understand what they own, why they own it, what it pays and what it costs.

We speak in layman terms and encourage questions.
Income orientedYes, I provide managementYesONToronto1 First Canadian Place 
39th Floor, P.O. Box 150		(416) 359-7743http://www.themorrisseygroup.comc.morrissey[at]nbpcd.com0.5620789485
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William (Bill) GreenWilliam Green Fee Only PlannerCFP, CIM, FDS, FMAEnglishYesYesYesYesYesYesYesYesYesYesYes0YesYesYesYes0YesYesYesWhile I specialize in estate planing, family weath transfer and tax minimization, I provide assistance in all areas of financial planning. From basic cash flow management, debt reduction, savings, and asset accumulation. I work with individuals, small to large business owners, and associations.I charge $150 an hour based on 15 minute increaments. Plans typically take between 10 and 15 hours. I mostly work with clients that are either DIY investors or clients that are looking for a second opinion. I meet either in person or virtually depending on the clients location. I offer a free 30 minute consultation where the clients and I figure out if we are a good fit for each other. At that time I can provide an estimate of the amount of time there plan will take.No, I don't provide investment managementYesONBracebridge120, Milton St.(705) 812-8132http://FeeOnlyPlanner.caBill[at]FeeOnlyPlanner.ca0.8314059826
63
Scott PlaskettIRONSHIELD Financial PlanningCFPEnglishYesYes00YesYesYesYesYesYes0000000YesYes0Continuous review and improvement; business owners.Two, free initial meetings are designed to educate prospective clients on our services and allow us to evaluate what fee-based financial planning program is best suited to a client's needs.I specialize in financial planning for business owners. Our other financial planners specialize in other areas. Best to visit our website or call to book an information session call to find out more.No, I don't personally provide management, but do refer to my network for implementationYesONToronto701 Evans Avenue, Suite 400(416) 626-6515http://www.ironshield.cascottplaskett[at]ironshield.ca
64
Mike GomesIRONSHIELD Financial PlanningCFPEnglish, PortugueseYesYesYesYesYesYesYesYesYesYesYes00000YesYesYes0Specialized in helping Canadians through the pre-retirement phase and getting prepared and confident with their retirement.Two, free initial meetings are designed to educate prospective clients on our services and allow us to evaluate what fee-based financial planning program is best suited to a client's needs.I specialize in financial planning for young professionals, established families and retirees. No, I don't personally provide management, but do refer to my network for implementationYesONEtobicoke400-701 Evans Ave(416) 626-6515http://www.IRONSHIELD.camikegomes[at]ironshield.ca0.2430876066
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Steve AmbeaultMorrison & Partners Wealth Strategies Inc.CPA, CA, FCSI, CFP, CIM, FMAEnglishYes000YesYesYesYesYesYesYesYes000000Yes0Specializing in retirement planning, decumulation planning and tax minimization- $250/hr
- For a standard retirement plan, fee usually works out to $3,100		For retirement projections, 1hr fact-finding meeting, emailed draft within 2-3 weeks, 1hr follow-up review meeting, finalized plan and bound copy shortly afterInvestment portfolios are tailored to support planning goals, on both a risk and return basis.Yes, I provide managementYesABEdmonton & Calgary346-10230 142 Street, Edmonton(780) 488-2644http://morrisonpartners.com/steve.ambeault[at]holliswealth.com
66
Dino ComegnaGreenridge Financial GroupCFP, FMAEnglishYes0Yes0YesYesYesYesYesYesYesYes00000YesYes0We specialize in fill financial planning including but not limited to Retirement, Estate, Tax, Insurance, Estate Planning$250/hr Usually charge between $2,500 to $4,000 for a full financial planWe work with the clients to develop a plan over a few meetings via phone,email and in person. People looking for a unbiased view on their situation and strategies they are currently using.Yes, I provide managementYesONKitchener515 Riverbend Dr(519) 804-9322http://www.greenridgegroup.cadino[at]greenridgegroup.ca
67
Matthew ArdreyTriDelta FinancialCFP, FMA, CIMEnglishYes0Yes0YesYesYesYesYesYesYesYes00Yes00YesYesYesSpecializing in comprehensive financial planning, and investment management for affluent clients
Specializing in tax minimization strategies
Specializing in maximizing retirement income
Specializing in estate maximization and wealth retention		Fees are project based:

Comprehensive Financial Plan $2,500 - $4,000
Retirement Projections $1,000 - $2,000
Portfolio Review $500 - $1,000		Typical client will be higher net worth ($250,000+) and have a need for comprehensive financial planning. Will begin with an initial meeting (no charge) to determine if we are a suitable match. From there proceed to gathering the information for the plan, analyzing and meeting again to deliver the plan and recommendations. Quantitative analysis with active security selection combined with alternative investments Yes, I provide managementYesONToronto410-2 Sheppard Ave E(416) 671-4371http://www.tridelta.ca/our-approach/who-we-are/matthew-ardrey/matt[at]tridelta.ca
68
Tom FeigsMoney Coaches CanadaCFPEnglishYesYesYes0YesYesYesYesYesYes00000Yes0YesYes0Specialize in creating a strong financial communication plan for couples, multiple scenario retirement planning, real estate investment performance, low cost investment solutionsFees are generally project-based and dependent on a client's personal situation. Can provide a quote after an initial phone conversation.Work with clients age 40+. Most of my clients live in Alberta and I work with people across the country.
The ideal client is someone looking for objective and comprehensive financial advice.		No, I don't personally provide management, but do refer to my network for implementationYesABCalgary1404 Craig Road SW(403) 401-1094http://moneycoachescanada.ca/about/tom-feigstom[at]moneycoachescanada.ca
69
Russ DyckFinovo - Financial CoachingFSCP Level 1EnglishYesYesYesYesYes0YesYesYesYesYes0YesYes0YesYes0YesYesSpecializing in the needs of Canadians aged between 25 and 35, needing to get their finances in order due to: a new job, a new spouse, a new baby, or a new spouse ;)Two-Hour Virtual Session
Price: $279 ($399 for Couples)

Ongoing Monthly Coaching can be arranged, Project-Based fees range from $379- $479/month.		We see the same concerns from people who come to us for financial coaching: they are interested in starting a family and want to get their financial situation in order, they feel like no matter what they do, they can’t get ahead, or the bills keep adding up along with the stress. Finovo helps by making sure people start gaining momentum building healthy financial habits.Buy and Hold, Low Cost Index FundsNo, I don't personally provide management, but do refer to my network for implementationYesABCalgarySuite 600, 630 8 Ave SW1-888-573-9995https://finovo.caruss[at]finovo.ca
70
Derek MoranSmarter Financial Planning Ltd.RFPEnglishYesYesYes0YesYesYesYesYesYesYesYesYes0Yes00YesYesYesWe are comprehensive planners and are competent in all areas.
With respect to money management, I am happy to teach you to manage your money your self or refer you to exceptional managers and you can choose from a short list. 		Houly only $200 per hour Since we only charge by the hour it doesn't matter if you have 100,000 or 100 million.
You have questions, we have qualified objective answers. 		Buy and hold dividend growth stocksNo, I don't personally provide management, but do refer to my network for implementationYesBCKelowna 471 Knowles Rd(250) 450-9766http://www.smarterfinancialplanning.caderek[at]smarterfinancialplanning.ca
71
Ben Van DykeNew Growth PlanningCFPEnglishYesYesYesYesYes0YesYesYes00000000000I work exclusively with people in their 20's and 30's who want to do awesome things with their money!4 month comprehensive coaching package starts at $350/mo for 4 months. After this period, additional coaching can be provided from $150/mo.I work with my clients over a minimum 4 month time period and teach them how to use their money to create the life they want.

Once I have developed an action plan that will allow them to achieve their goals, we work together to implement the plan and make adjustments as needed.

All meetings are completed virtually, so we can meet whenever and wherever works best. Plus, this makes pants optional!

For more info, please see here: https://newgrowthplanning.com/what-to-expect/		I believe in keeping costs low and using broadly diversified index funds to build wealth over the long-term.No, I don't personally provide management, but do refer to my network for implementationYesBCVictoria2151 Haultain St.(250) 893-8321http://www.newgrowthplanning.comben[at]newgrowthplanning.com
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Paul DuxburyDuxbury and AssociatesCFP, FCIAEnglishYesYesYesYesYesYesYesYesYesYesYes0Yes00YesYes00YesHelping individuals with retirement preparation, understanding retirement income or decumulation solutions, pension advice (options, retirement dates, commuted values), cash flow, budgeting and debt management, portfolio reviews.Project based fees. $200/hour. Full review typically $500-$2500 based on complexity. Monthly or quarterly fee for financial coaching. Guaranteed fee provided after free initial review (up to 1 hour). My clients often come to me with a specific financial concern. They may have terminated or are thinking about terminating employment. They may have separated or are thinking about it. They may be thinking about retirement. They may have cash flow issues. Often, there are pension related questions. Should I take the commuted value from my company pension plan? When should I retire? When should I start my CPP or OAS? They realize they won't get unbiased advice from a commissioned “financial advisor” or employees of a financial institution.They know my sole focus is their best interest and they are enabled to make fully informed decisions.
Low cost, diversified portfolio which balances the client's risk/reward preferences with their long-term goalsNo, I don't personally provide management, but do refer to my network for implementationYesONCambridge(519) 249-0083http://www.duxburyandassociates.compaul[at]duxburyandassociates.com
73
Morgan UlmerCentsAbilityAFCCEnglishYesYesYesYesYes0000Yes0000000000We charge hourly for financial counselling and employer workshops, and project-based for 'Financial Checkups', similar to the Globe & Mail's Financial Facelift feature.Our target client:
- Is looking for financial direction
- Has a goal or decision on their mind
- Does not have a regular advisor
- Does not want to be sold a product		No, I don't provide investment managementYesABCalgary156 Rosewood Drive SW(403) 201-0262http://www.centsability.camorgan[at]centsability.ca
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Brenda HiscockObjective Financial PartnersCFP, RHUEnglishYesYesYesYesYesYesYesYesYesYesYes0YesYesYesYesYesYesYesYesSpecializing in retirement planning, corporate planning, and planning for expatriates No, I don't personally provide management, but do refer to my network for implementationYesONTorontoSuite 101-8500 Leslie Street(416) 520-1843https://objectivefinancialpartners.combhiscock[at]objectivefinancialpartners.com
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Paul BeckThree SidesCFP FMA FCSIEnglishYesYesYes0YesYesYesYesYesYesYes0Yes00000YesYesTax savings is where we stand out. As a former employee of CRA we understand how the system works both inside and out.

Our financial advice and plans focus on providing solutions that support the habits and attitudes of our clients 		$125 per hour for general financial, tax and estate advice.

Fixed rate financial plans range in cost between $675 and $975.

Income Tax returns start at $60 per individual
Our target client are individuals who value professional advice and are willing to focus on long term plans verses short term payoffs. Clients may have a relationship with an existing advisor but they want a second opinion or they are not receiving independent financial advice.

We can also offer financial advice to support clients who want to manager their own investment accounts. 		No, I don't provide investment managementYesONHamilton(905) 818-8111http://threesides.capaul.beck[at]threesides.ca
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Jason AbbottWEALTHdesigns.caCFP, CLU, TEPEnglishYesYesYesYesYesYesYesYesYesYesYesYesYes00Yes0YesYesYesComprehensive financial planning. We develop and monitor cash flow and asset management strategies to reduce financial risk, save tax, increase retirement income and preserve estates. Hourly; project; or % of invested assets. Our typical engagements run $1,500-4,000 depending on the scope of the services rendered. Typical meeting: varies depending on scope of engagement.

Typical client: business owners, professionals and retirees		Customized, process-based.Yes, I provide managementYesONToronto120 Eglinton Ave E. 1101(416) 479-0289http://wealthdesigns.ca jason[at]wealthdesigns.ca
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William GoldsteinLifestages Financial Planning Services Ltd.FPSC Level 1EnglishYesYesYesYesYesYesYes000Yes0YesYes00YesYesYes0We specialize in doing a complete financial plan - with the realization that investment returns make up only a small part of the ultimate success or failure. A spending budget, that changes as one's lifestyle changes, is a critical factor. Fixed fee for the initial financial plan of between $1,500-3,000 depending on complexity. After first year, hourly rate of $85/hour.Will work with any age clients, and currently have clients from 30 - 70 years of age. The initial meeting will discuss their current situation and their goals. If there is a fit, we will start gathering information, and in a 3-6 month period develop a life-long comprehensive financial plan.Very strict strategic asset allocation.No, I don't personally provide management, but do refer to my network for implementationYesBCWhistler9463 Emerald Drive(604) 902-1867http://www.lifestagesfinancial.ca bill[at]lifestagesfinancial.ca
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John KehoeJohn Kehoe Financial PlanningCFP FMA CIWMEnglishYes0YesYesYesYesYesYesYesYesYes0Yes000Yes0YesYesTypical fees -
Initial consultation: complimentary
New engagement: $2,000 - $2,500
Annual review: $1,000 - $1,250 / year
Follow-up and consultations to service your plan: complimentary		At our first meeting, we discuss your overall circumstances and goals, how I can help you, and any questions or special requirements you may have. Then we sign an agreement which defines the scope, service expectations, review process, fees and other terms of our engagement.

At our next meeting, we review the completed plan to make sure it’s clear and accurate. Once you approve the plan, I help you implement it while providing consultation and support throughout the first year.

We conduct regular reviews every year, with written updates to your plan including adjustments to applicable strategies and recommendations.		I use low-cost, efficient portfolio models targeted to your risk tolerance and the capital and income requirements established in your financial plan.No, I don't personally provide management, but do refer to my network for implementationYesONToronto439 University Avenue, 5th Floor(416) 587-1146https://www.jkfp.ca/ johnkehoe[at]jkfp.ca
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Semevo Romuald HessouCaring for ClientsCFPEnglish, FrenchYes0YesYesYesYesYesYesYesYesYesYes0000YesYesYes0◾Cash flow management
◾Retirement planning
◾Tax planning
◾Estate planning
◾Risk management
◾Education planning
◾Elder care planning
◾Investment planning
◾Comprehensive plan: $4,500 for most individuals, $6,500 for business owners.
Professionals, business owners, retirees.Integrated investment strategy dovetailed with the cash-flow, tax and retirement plan we have developed togetherYes, I provide managementYesONToronto69 Yonge St, suite 200(416) 363-8500https://wwww.caringforclients.comsemevo[at]caringforclients.com
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Sara ReadyCaring for ClientsCFPEnglish, FrenchYes0Yes0YesYesYesYesYesYesYesYes000YesYesYesYesYesIntegration of tax, cash-flow needs and investment strategies pre-and post retirement.

Planning for business owners selling or planning to sell their company.

Family CFO role coordinating accountants, lawyers, investment managers and other relevant players for the benefit of our client families.		Project based planning typically ranges from $4,500 to $6,500 for a full 6 month engagement.

Hourly fees are $300/hour.		Our clients are successful executives, entrepreneurs and their families. Our financial planning approach helps clients feel more relaxed and confident about their future by focussing first on the life they really want and by helping them avoid The Money Focus Trap.

Through a combination of standard financial planning processes and advanced life planning and coaching exercises, clients move confidently towards their financial and life goals, while enjoying their life more today.		Our investment philosophy is essentially long term and conservative in nature while structuring a portfolio based on each client's risk profile and long term needs. We put particular emphasis on generating a combination of income and growth from investments while containing risk of capital loss within defined parameters - as a result, our clients sleep more soundly at night.Yes, I provide managementYesONToronto69 Yonge Street, Suite 200(416) 363-8500https://www.caringforclients.comsara[at]caringforclients.com
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Meghan ChomutCFPEnglishYes0YesYesYesYesYesYesYes00000000000I work exclusively with rental property owners.Hour Consult - $99+HST
Financial Plan - $950+HST
General Assessment - $249+HST		Investments are more than the black and white analysis. That's why I created a plan + systems to provide the assurance that the rental was a smart choice. I work with other rental property owners answering their specific questions [sometimes answering questions they didn't know they had], assessing their unique situations + creating custom roadmaps for them to follow to continue to make smart investments.Have a portfolio that doesn't affect your sleepNo, I don't provide investment managementYesONShuniah165 Birch Beach Rd(807) 252-6360http://www.meghanchomut.comhello[at]meghanchomut.com
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Monique MadanMonique Madan Consulting Inc.CFP, FMAEnglishYesYesYes0YesYesYesYesYesYesYes0Yes00YesYesYesYesYesSpecializing in budgeting for the short and long-term and divorce planning.$200 per hour plus HST for fee-for-service financial planning
$250 per hour plus HST for divorce planning		Engagement: 1 hour in-person or phone discovery interview, analyses and then a virtual presentation (via a secure, time-limited web access to my office). First engagement usually requires 8 - 10 hours of work in total. Then annual follow ups of 1 - 3 hours.
Clients who are high net-worth who can afford everything are already well-served. My target market is clients who are having trouble prioritizing their strategies. 		You can control taxes and spending, but you cannot control investment marketsNo, I don't personally provide management, but do refer to my network for implementationYesONToronto55 St. Clair Avenue West, Suite #130(647) 297-2376http://moniquemadan.com/monique[at]moniquemadan.com
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Mathew HallExponent Investment ManagementCFP, CFAEnglish, FrenchYes0YesYesYesYesYesYesYesYesYesYes0YesYesYesYesYesYesYesSpecialising in disability planning for families, foreign pension plans, planning for non-residents & ex-pats and severance packages & pension plansProject-based
Basic (BP) $300. Cash flow projections, savings plans, debts
Full (FP) $1,000. BP + tax implications, estate, charitable giving, rental properties
C&T: $2,000. FP + corps and trusts		Two 90 minute in person/video conference (if preferred) meetings.
Average client is a couple between ages 49-59. $350,000 combined in investment assets. Usually one employed or stay at home parent one self-employed business owner.
Financial planning is not just a retirement cash flow exercise, it is the optimisation of family resources and it applicable to clients of all income and asset levels.Yes, I provide managementYesONOttawa222 Somerset Street West, Suite 402(613) 747-2458 ext 44https://www.ex-ponent.commathew[at]ex-ponent.com
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Kevin LangmanFinovo Wealth Inc.EnglishYesYesYesYesYes00000Yes0Yes0000000Specializing in DIY investor support, spending/cash flow planning and account setup/optimization for young professionals new to the work force.Hourly: $80/hour
Starter Package: $375
Comprehensive Package: $900		We meet in person or virually with our clients, whichever they prefer. Typically we will get a new client to complete an online questionnaire ahead of our first meeting so we can maximize the value and ensure the client comes prepared.

We work with young professionals 35 and under who are looking to improve their financial lives with a bit of help.		Passive & Low cost investingNo, I don't personally provide management, but do refer to my network for implementationYesABCalgary600, 630 8 Ave SW(403) 968-1979https://finovo.cakevin[at]finovo.ca
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Lisa ZamparoThe Wellth CompanyCPAEnglishYesYesYesYesYes00000Yes0Yes0000YesYesYesSpecializing in the needs of young professionals and self-employed CanadiansAverage rate between $100-150/hrAll client engagements begin with a Wellth Assessment, which is the financial equivalent of an annual physical exam with a medical doctor. I check your “financial vitals” and provide an assessment report of what’s working well, areas of concerns and how we can work together to optimize your financial health. Buy and hold low cost fundsNo, I don't personally provide management, but do refer to my network for implementationYesONToronto(647) 213-2911http://www.lisazamparo.comlisa[at]lisazamparo.com
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Natasha KnoxPax Financial Planning and Education Inc.CFP, PFP, CCSEnglishYesYesYesYesYes0YesYesYes0Yes000000000Specializing in financial therapy for couples, spending plans, financial coaching, and financial life planning.Project based - varies according to complexity, please see website for examples of pricing
I work with six figure income earners within 10-20 years of retirement to align their personal finances with their deepest values, and spend with intention to create the life they truly want now, and in the future.Low cost, appropriate asset allocation, and diversifiedNo, I don't provide investment managementYesBCNew Westminster 205-810 Quayside Dr(778) 773-0044https://paxplanning.canatasha[at]paxplanning.ca
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Jessica MoorhouseAFCCEnglishYesYesYes00000000000000000Specializing in helping Millennials create a solid financial foundation, crafting a realistic budget, tracking spending and cashflow, tracking net worth, choosing the right financial products for them and setting financial goals.$150/hour session (minimum booking: 4 sessions).Meeting online via Zoom. Meeting will be recorded for client reference.No, I don't personally provide management, but do refer to my network for implementationYesONTorontohttps://jessicamoorhouse.comjessica[at]jessicamoorhouse.com
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Paul NieuwlandNieuw FinancialFPSC Level 1EnglishYesYesYes0YesYesYes0000000000000Specializing in helping families plan budgets and savings plans, retirement planning and taxation advice.$90 per hour, and a typical plan will cost between $450 and $720.

I work only as a fee-based financial planner.		Your typical working family or singles in all stages of life. I can help with planning how to pay down debt and start a savings plan, RESP and retirement planning, and cash flow management.

Families balancing day to day expenses with saving for children's education, retirement, the next house. Clients getting ready to retire and need an analysis of their current position and a cash flow plan through retirement. General budget review and advise. Indirect advice on investment types, but without any sales pressure.		Slow, consistent returns without the stomach-churning risk.No, I don't provide investment managementYesONMississauga5566 Broadpath Gate(647) 500-7103http://nieuwfinancial.compaul[at]nieuwfinancial.com
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Alexandra (Alyx) ValdalMOOLA Financial Coaches and AdvisorsCFP, CHSEnglishYesYesYes0Yes00YesYesYes000000YesYesYes0At MOOLA, we strive to remove the barriers to financial awesomeness.
With 5 advisors on our team, we have specializations in money coaching, investments, life and health insurance, surrogacy insurance, retirement and business planning.		$199 + GST per 90 min. session. First meeting at our expense, to make sure we're a good fit.We offer meetings online or in person. Our primary demographic is young families and professionals; we love educating and helping young families just like ours grow and prosper.No, I don't personally provide management, but do refer to my network for implementationYesBCVictoria4243 Glanford Ave(778) 749-1150http://yourmoola.caalyx[at]yourmoola.ca
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Peter Guidote
[fee based on AUM]
RGMPCFP, CPA, CA, FCSI, CIM, CIMA, AIFEnglish, FrenchYesYesYesYesYesYesYesYesYesYesYesYes000000YesYesSpecializing in creating retirement plans to ensure a sustainable retirement.

Sub Specialty in advising clients with retirement or severance packages. 		1.5% of portfolio assets $500,000 to $1million

1% of portfolio assets above $1m


Ask us for detailed list of wealth planning services. 		To truly make a difference in our clients' lives, we need to fully understand what you're trying to achieve. What sort of life have you got and what sort of life do you want at retirement? Great relationships start with asking you the right questions and actually listening to what you really have to say. If we ask the right questions and spend time together to learn the answers, we will help and encourage you to identify the life you want and the life you want to keep. Our role is to help you understand your number. The amount you need to keep living the life you want without the fear you will ever run out of money. Yes, I provide managementYesQCMontreal1250 Rene Lévesque #1500(514) 989-4810http://dir.richardsongmp.com/web/peter.guidote/peter.guidote[at]richardsongmp.com0.8973218763
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James Grill
[fee based on AUM]		Raymond James Ltd.CFP, AIFP, CIWM, CHS, CIM, FMA, CPCA, FCSI, CSWP, CLUEnglishYes000YesYesYesYesYesYesYesYes00Yes0YesYes00Specializing in retirement and estate planning, and decumulation issues.Completely transparent fee structure based on a percentage of assets under management, tiered by portfolio size. No loads, no trade charges, no annual admin fees.We typically add the most value to clients with more complex wealth management requirements. Corporate reorganizations, Individual Pension Plans, estate freezes, estate planning, business succession planning.Income, active management, and downside protection.Yes, I provide managementYesBCAbbotsford200 - 2881 Garden St(604) 743-4005http://www.jamesgrill.cajames.grill[at]raymondjames.ca0.7523374451
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Tiffany Woodfield/John Woodfield
[fee based on AUM]
SWAN Wealth Management at Raymond JamesCFP, FMA, CIM, FCSI, Portfolio Manager, US licensedEnglishYes0Yes0YesYesYesYesYesYesYesYes0YesYes00YesYesYesOur specialty is working with retired or close to retired individuals who are looking for security and making the most of their life savings. We also specialize in those that have US pensions, IRAs and 401Ks. We do comprehensive plans, structure investments and provide the ongoing management.Fees are charged as a percentage of assets managed.Over 26 years, we have worked with Canadian and US citizens who are either retired or close to retirement. Our team builds investment and wealth plans and structures their futures. We are full service. We enable clients to have the safety and income needed to maintain their lifestyle and/or move to the next step. Dividends, quality and monitoringYes, I provide managementYesBCKelowna/VancouverSuite 500 - Landmark #1, Dolphin Avenue(250) 979-2734 or (604) 654-1502http://www.swanwealthcoaching.com/tiff.woodfield[at]raymondjames.ca0.9042673965
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