Most Canadians receive financial advice from someone who earns a commission when they sell you something. There is another way. When you choose to engage in Advice-Only Planning, the only thing I'm paid for is my time and expertise. There are no product sales, trailer fees, or referral kickbacks. That means every recommendation I make exists solely because it's right for your situation. Whether you're a federal public servant navigating your PSSA pension, a nurse managing irregular income and shift premiums, a tech employee weighing RSUs and stock options, or a confident do-it-yourselfer who simply wants a second set of eyes on your plan, advice-only planning gives you a professional opinion without the conflict of interest.

For those who want more than a plan, I also offer comprehensive financial services, including ongoing investment management and risk management. You choose the level of support that fits your life. Some clients come for a one-time retirement readiness review and leave with the confidence to manage things themselves. Others prefer to hand off their portfolio entirely and focus on what they do best. Either way, the advice you receive is always independent, transparent, and built around your goals.


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Sutherland Planning

Advice-Only Planning or Comprehensive Financial Services

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Member of:

Financial Planning Association of Canada

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What Our Clients Say

  • Four young adults gathered around a laptop at a meeting table, smiling and looking at the screen, with two paintings hanging on the wall behind them.

    "Ashton and I can highly recommend Callum. He is endlessly patient and guided us through a very stressful time. We completely trust his advice and know we can call on him to answer all of our questions in a very timely manner. We are learning a great deal about smart money management from him and look forward to working with him for many years to come. He came to us through the recommendation of a close friend of ours and we feel very fortunate to have found him.!" Margorie

  • Three people sitting at a white table in a bright office, engaging in a discussion. The office has large windows with buildings outside.

    "I have had the pleasure of working with Callum for several years now for my estate and retirement planning needs and I cannot express enough how satisfied I am with the exceptional service I received. He is very responsive, and has always made time to review and discuss my portfolio on a regular basis." Simone

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