Frequently Asked Questions

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 I offer a fee-only financial planning service with no hidden agendas. I don’t sell any products such as investments, insurance policies, or credit cards. My focus is solely on providing you with an unbiased, comprehensive financial plan. The plan itself is the service I provide, and it’s tailored to help you reach your retirement goals without pushing you towards any specific financial products. 

 "Fee-only" means I am compensated solely through the fees you pay for the financial plan. I do not receive commissions or incentives from selling financial products. This ensures that my advice is 100% unbiased and based entirely on what’s best for you and your financial future. 

 My service is primarily focused on retirement planning. I help you assess where you are financially, where you want to be, and what steps you need to take to reach your retirement goals. I also assist in investment planning, analyzing what type of return you’ll need to achieve your goals — but I do not sell any investment products or give specific recommendations on what to buy. 

 In most cases, I can provide a detailed, comprehensive financial plan for less than $1,500. This is far more affordable than many firms, which often charge $5,000 or more. Plus, you don’t need a large investment portfolio to work with me — my service is designed for a wide range of clients. 

 While I will help determine what type of investment return you need to achieve your goals, I do not make specific investment recommendations or sell any products. My role is to offer unbiased guidance and help you make informed decisions about your financial future. 

 Once we establish a base plan, I offer annual updates and ongoing monitoring to track your progress. This ensures your plan remains aligned with your goals, and adjustments can be made as needed to keep you on track. 

 Yes, I work entirely remotely, which allows for flexible meeting times, including outside regular business hours if needed. This not only makes it more convenient for you but also helps reduce costs, which I pass on to you through more affordable pricing. 

 I hold the Certified Financial Planner (CFP) designation and have been working in Financial Services since 2005, with over a decade in a planning capacity. I follow the ethics and guidelines of FP Canada, ensuring that my advice is always in your best interest. 

I hold the Certified Financial Planner (CFP) designation and follow the strict ethics and guidelines set by FP Canada. This ensures that I operate with transparency, integrity, and in your best interests at all times.

If for any reason you are dissatisfied with the service or feel that I have not met these ethical standards, FP Canada provides a formal process for reviews and recourse. You can file a complaint with them, and they will investigate the matter in accordance with their professional conduct policies.