Best Financial Planning Services in Canada

Canada Financial Advisor Services

Navigating the financial landscape in Canada requires careful planning and expertise. Whether you're looking to optimize your retirement strategy, plan your estate, or invest for the future, finding the right financial advisor is crucial. With constantly evolving tax laws, market shifts, and diverse investment opportunities, professional guidance helps individuals and families make informed choices that align with their long-term goals. A trusted advisor not only provides technical expertise but also offers personalized strategies that reflect each client’s unique circumstances. Ultimately, the right financial partner empowers clients to build resilience, protect their wealth, and create a secure financial future.

In this blog, we’ve curated a list of Canada-based financial planning firms that have earned recognition for their client-focused services, research-driven methods, and proven track records. These firms stand out for delivering tailored financial solutions that balance growth with security, helping clients confidently navigate every stage of their financial journey.

Methodology: How We Chose These Canadian Financial Advisors

To ensure that this list includes only the most reputable and effective financial planners, we based our selections on the following criteria:

🔍 Research-driven: We reviewed company histories, client results, and available case studies to verify their effectiveness.

📊 Client-reviewed: Real feedback from clients highlights firms that consistently deliver strong ROI and trusted guidance.

🌍 Location-based: All firms are rooted in Canada, with founders and teams having a deep understanding of the Canadian financial environment.

🌟 Canada Financial Advisor Services - Provider Spotlights

Schwartzman Financial Corporation

What they do:
Schwartzman Financial Corporation offers comprehensive financial planning services, including retirement planning, investment management, tax-efficient strategies, and estate planning. Their approach is centered around holistic financial advice, ensuring that clients’ financial goals align with their broader life plans.

Who they work with:
They work with a range of clients, from high-net-worth individuals to families and business owners seeking to preserve and grow their wealth over time.

Operating model:
Schwartzman Financial Corporation uses a personalized approach, crafting bespoke financial plans that cater to the specific needs and aspirations of each client. They emphasize long-term relationships, offering continual guidance throughout their clients' financial journeys.

💡 Why they stand out:

📊 Tailored wealth management: They specialize in custom financial strategies designed to grow, preserve, and protect wealth over the long term.

🔐 Comprehensive retirement planning: Known for their holistic approach to retirement planning, they consider everything from tax strategies to investment options.

🧑‍💼 Expert team leadership: Led by Alexei Schwartzman, the firm provides strategic, client-centered advice that adapts as clients' needs evolve.

Alexei Schwartzman CFP, CLU, RIS, Founder, Financial Planner, Investment Funds Advisor & Insurance Advisor of Schwartzman Financial Corporation

Alexei Schwartzman is a seasoned financial planner with over 20 years of experience in the industry. His expertise spans retirement planning, investment management, and wealth preservation. As a Certified Financial Planner (CFP) and Chartered Life Underwriter (CLU), Alexei has built a reputation for helping clients achieve their financial goals with confidence. His leadership is defined by a commitment to transparency and personalized service, ensuring that each client’s unique needs are addressed.

Sapience Financial Management Inc.

What they do:
Sapience Financial Management provides comprehensive financial services, including retirement planning, tax optimization, estate planning, and investment advice. They focus on helping clients navigate complex financial landscapes with clarity and confidence.

Who they work with:
Sapience Financial Management serves a diverse clientele, including professionals, families, and small business owners, particularly those seeking strategic financial planning for retirement or complex wealth management.

Operating model:
The firm’s approach is rooted in deep research and understanding of each client’s individual situation. They offer ongoing advice and adjust financial strategies as life circumstances change.

💡 Why they stand out:

🔑 Tax-efficient strategies: Specializing in tax planning, they help clients minimize tax burdens and maximize savings.

📚 Personalized, client-first service: Their financial plans are highly customized, addressing the unique goals and financial challenges of each client.

🔄 Proactive financial planning: They focus on long-term goals, with a proactive approach to adjusting financial strategies as circumstances evolve.

Paul E. Hamon, CFP®, Founder, Owner & Certified Financial Planner of Sapience Financial Management

Paul Hamon is a dedicated financial planner with a focus on providing clear, actionable advice. With years of experience and certifications in financial planning, Paul helps his clients simplify complex financial decisions, particularly in tax and retirement planning. He is known for his proactive approach to financial strategy, ensuring clients are prepared for both expected and unforeseen financial challenges.

Chalten Fee-Only Advisors Ltd.

What they do:
Chalten Fee-Only Advisors offers unbiased, fee-only financial advice with a focus on long-term investment strategies, retirement planning, and estate planning. They pride themselves on their independent, conflict-free approach to wealth management.

Who they work with:
They serve high-net-worth individuals and families, offering sophisticated financial advice tailored to each client's life goals and wealth accumulation strategies.

Operating model:
Chalten is completely fee-only, meaning their advice is not influenced by commissions or product sales. Their fiduciary approach ensures they always act in their clients' best interests.

💡 Why they stand out:

⚖️ Fiduciary duty: As fee-only advisors, they provide unbiased financial advice, ensuring that clients’ best interests come first.

💡 Long-term financial strategies: They specialize in developing investment strategies that are aligned with clients' long-term financial goals.

🌍 Client-centered approach: Chalten’s approach is deeply personalized, with each financial plan tailored to the client’s unique life stage and financial aspirations.

Alexa Bodel CFA CFP®, Co-Founder & Director of Chalten Fee-Only Advisors

Alexa Bodel is a financial advisor with a deep understanding of investment management and financial planning. With both a CFA and CFP certification, Alexa has built a reputation for providing high-quality, impartial advice. She is known for her focus on long-term planning and helping clients navigate the complexities of financial markets with confidence.

Graham Bodel, CFA, Co-Founder & CCO of Chalten Fee-Only Advisors

Graham Bodel brings extensive experience in capital markets and investment strategy. As Chief Compliance Officer, Graham ensures that Chalten upholds the highest fiduciary and ethical standards while guiding clients with disciplined, research-driven financial planning.

Spring Planning

What they do:
Spring Planning offers financial planning services with a particular focus on retirement, tax strategies, and financial education. They aim to empower clients with the knowledge and tools to make informed financial decisions.

Who they work with:
Spring Planning works with individuals, families, and professionals, particularly those planning for retirement, facing significant life transitions, or looking to optimize their tax strategies.

Operating model:
Their approach is holistic and educational. They not only create financial plans but also teach clients how to take control of their financial futures through clear, actionable advice.

💡 Why they stand out:

📚 Financial education: They provide clients with the knowledge needed to make empowered financial decisions, not just advice.

💡 Comprehensive retirement planning: Spring Planning specializes in creating sustainable retirement strategies, integrating tax and investment planning.

🤝 Client empowerment: They work closely with clients to ensure they feel confident in their financial decisions, making it easier to understand complex financial concepts.

Julia Chung, CFP, CLU, FEA, TEP, Co-Founder & CEO of Spring Planning

Julia Chung is the founder of Spring Planning, and she has made a name for herself in the financial planning community by offering a wealth of knowledge in retirement planning, estate planning, and financial education. Known for her compassion and clarity, Julia helps clients navigate significant life events with confidence and financial security. She is particularly respected for her focus on educating clients to be active participants in their financial planning.

Krysten Merriman, Co-Founder & CMO of Spring Planning 

Krysten Merriman combines her creative expertise with a strong background in finance, having co-authored educational resources like Women & Money and The Art of Delegation. In the context of financial planning services, she brings a unique blend of communication, design, and data management skills that make financial guidance more accessible, actionable, and client-focused.

Merrick Financial Inc.

What they do:
Merrick Financial Inc. offers a range of financial planning services, including retirement planning, investment strategies, and risk management. Their mission is to help clients build, protect, and transition their wealth with a focus on both short- and long-term goals.

Who they work with:
Merrick Financial works with individuals, families, and small business owners who want to protect their wealth and plan for a secure financial future.

Operating model:
Merrick Financial combines comprehensive financial planning with a personal touch, ensuring that each client receives tailored advice that reflects their unique financial situation and future aspirations.

💡 Why they stand out:

🛡️ Risk management expertise: They provide clients with strategies to manage financial risks, ensuring a secure financial future.

🧩 Comprehensive planning: Merrick Financial covers all aspects of wealth management, from investment planning to estate and tax strategies.

🧑‍💼 Personalized service: Their approach is highly personalized, with financial plans tailored to meet the specific needs of each client.

Chris Merrick, CFP, Founder, Principal & Financial Planner of Merrick Financial Inc.

Chris Merrick is a financial planner with extensive experience helping clients manage their wealth and plan for the future. Known for his clear communication and commitment to personalized advice, Chris has developed a reputation for guiding clients through every stage of their financial journeys, from accumulation to retirement. His holistic approach to financial planning ensures clients are prepared for whatever the future holds.

Money Coaches Canada

What they do:
Money Coaches Canada offers a unique approach to financial planning by focusing on money coaching, education, and empowerment. They provide personal financial coaching, budgeting strategies, debt management, and retirement planning, helping clients take control of their financial lives with clear, actionable steps.

Who they work with:
They work primarily with individuals and families, particularly those in transitional stages of their financial lives such as newlyweds, parents, or those nearing retirement—helping them achieve financial literacy and independence.

Operating model:
Money Coaches Canada is focused on a coaching-based model, where they guide clients through financial education and provide tailored advice that empowers individuals to make informed decisions. Their goal is not just to plan but to teach clients how to manage their money confidently and sustainably.

💡 Why they stand out:

📚 Financial education-driven: Money Coaches Canada is well-regarded for its coaching model, which prioritizes education and long-term behavior change.

💡 Personalized coaching: Their one-on-one coaching sessions focus on understanding each client’s unique financial situation and providing actionable steps to improve their financial well-being.

🏆 Proven results: With a history of helping clients eliminate debt, save for retirement, and build wealth, they’ve earned a strong reputation for making financial freedom achievable.

Karin Mizgala, MBA, CFP., Co-Founder & CEO of Money Coaches Canada Inc.

Karin Mizgala, MBA, CFP, is the co-founder and CEO of Money Coaches Canada and the Women’s Financial Learning Centre, with over 25 years of experience in financial services. Combining her expertise in financial planning, education, and counseling, she has pioneered a fee-for-service approach to financial planning that emphasizes accessibility, empowerment, and lasting client impact.

Sheila Walkington, CFP, Co-Founder, CFO & Money Coach of Money Coaches Canada Inc.

Sheila Walkington, CFP, is the co-founder of Money Coaches Canada and one of the first fee-only Money Coaches in the country, pioneering a model that emphasizes education and unbiased financial guidance. With specialties in money coaching, cash flow consulting, budgeting, and small business support, she has dedicated her career to making financial planning more accessible and empowering for individuals, families, and entrepreneurs.

Ecivda Financial Planning Boutique

What they do:
Ecivda Financial Planning Boutique offers a comprehensive suite of services, including retirement and investment planning, tax strategies, and estate planning. They work closely with clients to create customized financial plans that reflect their individual needs and long-term objectives.

Who they work with:
Ecivda specializes in serving high-net-worth individuals, business owners, and retirees who require advanced financial strategies for wealth preservation and growth.

Operating model:
Ecivda takes a boutique approach to financial planning, providing highly personalized services and financial strategies that are not one-size-fits-all. They work closely with each client to understand their full financial picture and tailor solutions that are both effective and achievable.

💡 Why they stand out:

🔑 Boutique, personalized service: The firm’s small size allows for individualized attention, with financial plans tailored specifically to each client.

💼 Expert business owner solutions: Ecivda has a strong focus on helping business owners integrate personal and business financial planning.

🔄 Comprehensive wealth management: They manage both short-term and long-term goals, creating strategies that help clients build wealth, preserve assets, and transition their wealth smoothly.

Shawn Todd, CFP, Founder, Owner & Certified Financial Planner of Ecivda Financial Planning Boutique

Shawn Todd is the founder of Ecivda Financial Planning, bringing over two decades of experience in the financial services industry. Known for his client-centric approach, Shawn focuses on delivering customized financial solutions that help clients manage and grow their wealth. His expertise spans investment management, retirement planning, and tax optimization, making him a trusted advisor for high-net-worth individuals and business owners.

Precision Wealth Management

What they do:
Precision Wealth Management specializes in creating tailored financial plans, with a particular focus on retirement planning, estate planning, and investment management. Their approach integrates tax efficiency, risk management, and strategic wealth-building.

Who they work with:
The firm serves individuals and families, particularly those looking to optimize their retirement strategy, manage investments, and ensure a smooth transition of wealth across generations.

Operating model:
Precision Wealth Management takes a data-driven approach, using advanced financial planning tools to provide precise, actionable strategies for clients. They focus on long-term financial health, ensuring that every aspect of a client’s financial picture is considered.

💡 Why they stand out:

🧑‍💼 Strategic retirement planning: They help clients design retirement strategies that maximize income and minimize taxes.

📈 Investment precision: Their data-driven approach ensures that clients' investments are optimized for their specific financial goals and risk tolerance.

🛡️ Comprehensive wealth protection: Precision Wealth Management is known for offering robust estate planning and risk management strategies to safeguard wealth for future generations.

Jake Steele, CIM®, Owner, Managing Partner & Wealth Advisor of Precision Wealth Management

Jake Steele is a Wealth Advisor at Precision Wealth with over 15 years of experience in London, Montreal, Toronto, and Vancouver, where he also managed a team of globally focused traders. He combines deep investment expertise with a client-centered approach, emphasizing education and long-term strategies to help individuals build resilient, growth-oriented financial plans.

Ginsler Wealth

What they do:
Ginsler Wealth provides holistic wealth management services, including retirement and estate planning, tax strategies, and investment advice. They create long-term financial plans that focus on growing wealth while minimizing risk.

Who they work with:
Ginsler Wealth works with individuals and families, including those with substantial estates, retirees, and professionals who need personalized wealth management solutions.

Operating model:
The firm focuses on delivering comprehensive and coordinated financial plans that address all areas of a client’s financial life. Their hands-on approach ensures that clients are actively involved in decision-making and fully understand the strategies being implemented.

💡 Why they stand out:

🧑‍💼 Holistic approach: They manage all aspects of wealth, from investment management to estate and tax planning, ensuring all strategies are aligned with clients’ goals.

🛡️ Risk management expertise: They prioritize minimizing risk while maximizing returns, providing clients with peace of mind and financial security.

🌱 Long-term wealth growth: Their primary focus is on sustainable wealth creation, helping clients build and preserve their wealth over time.

Brian Ginsler, Founder, President & CEO of Ginsler Wealth

Brian Ginsler is the founder of Ginsler Wealth, bringing decades of expertise in financial planning. His philosophy focuses on building long-term relationships with clients and delivering personalized, holistic wealth management strategies. Brian is known for his meticulous attention to detail and commitment to helping clients secure their financial futures.

Objective Financial Partners Inc.

What they do:
Objective Financial Partners Inc. offers unbiased, fee-only financial planning, specializing in retirement and investment planning, as well as tax and estate strategies. Their approach ensures clients receive advice that is free from conflicts of interest and focused entirely on their best interests.

Who they work with:
Objective Financial Partners works with individuals, families, and business owners, particularly those who require comprehensive, fee-only financial planning without the influence of commissions or product sales.

Operating model:
As fee-only financial planners, Objective Financial Partners operates without any sales commissions, ensuring that clients receive unbiased, objective advice. They work collaboratively with clients to design and implement long-term financial strategies.

💡 Why they stand out:

🏅 Fee-only model: Their fee-only structure ensures that clients’ interests come first, with no product commissions influencing advice.

🧑‍💼 Comprehensive financial planning: They specialize in creating all-encompassing financial plans, including retirement, estate, tax, and investment strategies.

💡 Client-focused approach: With a dedication to transparency and objectivity, they build lasting relationships based on trust and mutual respect.

Jason Heath, Founder & Managing Director of Objective Financial Partners Inc.

Jason Heath is the founder of Objective Financial Partners and a passionate advocate for fee-only financial planning. With over 15 years of experience, Jason helps clients navigate complex financial decisions with clarity and confidence. His deep commitment to providing unbiased advice has earned him recognition as a trusted financial planner across Canada.

Building Secure Futures with Financial Planning Services in Canada

Financial planning services in Canada play a crucial role in helping individuals, families, and business owners align wealth-building strategies with long-term goals such as retirement, estate planning, and tax efficiency. These services emphasize transparency, personalization, and education, ensuring that clients are empowered to make informed decisions at every stage of their financial journey. Fee-only models, boutique approaches, and coaching-based services highlight a growing trend toward unbiased, client-first planning. Many advisors stand out by blending advanced investment strategies with retirement and risk management expertise, tailoring solutions that reflect unique life stages and aspirations. Their relevance lies in safeguarding wealth, fostering financial literacy, and providing adaptable guidance for a secure future.

At Digital Reference, radical authenticity is not just a principle but the foundation that ensures insights are both transparent and actionable. Its importance lies in creating trust, where decisions and strategies are shaped by clarity rather than convention.

Uncover insights that help leaders, professionals and advisors navigate evolving challenges with confidence. Explore more from Digital Reference:

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Financial planning in Canada highlights how personalized strategies can transform wealth management into a path of security and growth. Just as advisors emphasize clarity and trust, having a reliable guide for broader professional insights is equally essential. A reference point that blends relevance with authenticity helps decision-makers stay aligned with evolving challenges and opportunities. You can take that next step with Digital Reference.‍