Making Financial Decisions Simple

Helping Canadians Build Confident Financial Futures

I believe every person deserves to understand their money and feel confident about their financial future. Through education, transparency, and evidence-based planning, I help reduce the complexities around money for people in Ontario. Less complex means less stress and more confidence.

Typical Clients I Serve

Individuals and couples that have between $100,000 to $500,000 each in investable assets, usually in RRSP’s and TFSA’s. They typically have felt underserved by other advisors and the banks. They do not have a financial plan and their advisor didn’t offer to build one for them. The advisor assigned to them by the institution changes frequently and is hard to reach. They don’t understand why they are invested the way they are and don’t know how much they are paying in fees. Many are in this situation because they have solid pensions but have done little personal planning or the majority of their wealth is tied up in real estate.

Planning First

We need to know where you are and where you're going before making decisions. Every person, family, and business owner has different values, goals, experiences, and circumstances. There's no one-size-fits-all approach to your financial life.

Simple Investment Philosophy

Invest in low-cost, typically passive, and evidence-based solutions. As Warren Buffett said, "Don't invest in what you don't understand." My clients understand what they're investing in and why, allowing us to focus on saving, spending, cashflow, taxes, and behaviour.

Risk Management

We all think we're invincible until life reminds us otherwise. Proper insurance and risk planning can't prevent difficult situations, but they can prevent a difficult situation from becoming a financial catastrophe.

Why Risk Management Matters to Me

In December 2018, I woke up and had no feeling on the right side of my face. Later, it was determined I had Multiple Sclerosis. That moment changed everything - you don't realize how much you want insurance until you can't have it.

I've seen a young family member battle cancer and had to be off work for almost a year. They were fortunate to have good benefits and a supportive spouse. I've worked with a client, who was a single parent, who passed away from cancer in their forties, leaving behind two young children.

These situations were mostly unpreventable and undeniably difficult. We can't prevent the difficulty and the grief, but we can put proper planning and insurance in place to prevent a difficult situation from becoming a catastrophic financial one.