Fee-Only Financial Planner Directory
Every planner here charges a clear fee for advice and earns no product commission. Most work virtually with clients across Canada, so you can choose on fit and approach.
How they charge
63 planners
A Money Maker Mindset
Lori Curtiss, MBA, CFP, CFBS
Fee model
Coverage
Virtual across Canada
Financial psychology / behavioural finance
ABZ Financial Planning
Jason Flynn, CFP
Fee model
Coverage
Virtual across Canada
DIY investors; family caregivers (RDSP, DTC, Henson Trust); RCMP members
Aergo Financial Planning
Ben Mayhew, CFP
Fee model
Coverage
Halifax, NS
Physicians/medical professionals; young professionals; behavioural planning
Alaphia Financial Wellness
Natasha Knox, CFP, TEP, FBS
Fee model
Coverage
Virtual across Canada
Financial therapy; sudden wealth; purpose-driven millennials/GenX
Alberta Financial Planner (Wealth Architects Inc.)
Kenneth Doll, CFP, CLU, TEP, ICD.D
Fee model
Coverage
Virtual across Canada
HNW, professional athletes (NHL), executives, business owners, farmers/ranchers, sudden wealth
Anne Brandt Financial
Anne Brandt, CFP, R.F.P.
Fee model
Coverage
Coquitlam, BC
Retirement & tax planning; financial divorce
Astrolabe Financial Group Inc.
Stevan Dostanic, CFA; Ryan Kerr, CFA
Fee model
Coverage
Virtual across Canada
Financial-literacy / education-focused fee-only planning
Be Wealthy Financial Coaching
Meri-Li Forrest, CFP, CIM
Fee model
Coverage
Virtual across Canada
Medical professionals, business owners; cash-flow coaching
Ben Lee Financial
Ben Lee, CFP, CCS
Fee model
Coverage
Virtual across Canada
Retirement / financial independence; business owners
Bespoke Financial Consulting Inc.
Susan Stefura, CFP; Cherise Berman, CPA, CA, CFP, R.F.P., TEP
Fee model
Coverage
Toronto, ON
Life transitions — job loss, retirement, separation/divorce, death, sudden wealth
Boomer & Echo
Robb Engen, QAFP
Fee model
Coverage
Virtual across Canada
Advice-only planning for Canadians with straightforward needs; retirement income
Buxton Financial For Retirement
Marlene Buxton, CFP, CLU, RRC, Ch.F.P.
Fee model
Coverage
Virtual across Canada
Retirement income planning (near/in retirement)
Clarity Cross Border Planning
Brandon Davies, CFP (CA), CFP (US), CIM, CLU, TEP
Fee model
Coverage
Virtual across Canada
Cross-border Canada-U.S.; expats, dual citizens, relocations
Clarity Personal Finance
Anita Bruinsma, CFP, CFA
Fee model
Coverage
Virtual across Canada
Coaching & DIY investing education; simpler/younger (20s-40s) situations
CNal Financial Planning Inc.
Caroline Nalbantoglu, CFP, R.F.P.
Fee model
Coverage
Montreal, QC
Tax, estate & cross-border (Canada/US) planning for high-income earners
Conscious Wealth
Naheed Gilani, CFA
Fee model
Coverage
Virtual across Canada
Socially Responsible / ethical investing
Duxbury and Associates
Paul Duxbury, CFP, FCIA
Fee model
Coverage
Cambridge, ON
Pension/actuarial analysis; retirement transition; severance
Evans Retirement Planning
Jason Evans, CFP
Fee model
Coverage
Virtual across Canada
Pre-retirees 50-60; pension holders
Experience Financial - Coaching and Consulting Inc.
Spencer Mellace, CFP, CLU, TEP, FEA
Fee model
Coverage
Calgary, AB
Families & family businesses; estate; business succession
Fair Winds Financial Coach
Bob Joyce, CPA, CA, CFP
Fee model
Coverage
Virtual across Canada
Retirement, tax & estate planning; cash flow
Finovo Financial Planning
Russ Dyck, CFP; Kevin Langman, CFP
Fee model
Coverage
Virtual across Canada
Busy professional dual-income couples/households
Forest Financial Planning
Alex Hadjisophocleous, CFP, CFA, MBA
Fee model
Coverage
Virtual across Canada
DIY investors; comprehensive planning; retirement
fPlan Advisory Inc.
Julien Bouchy-Picon, CFP
Fee model
Coverage
Virtual across Canada
Early retirement; public servants (Workforce Adjustment)
Good Investing
Tim Nash
Fee model
Coverage
Virtual across Canada
Sustainable / ethical / green / socially responsible investing
Hammond Financial
Andy Hammond, CPA, CA
Fee model
Coverage
Eastern GTA / Durham Region, ON
Unbiased fee-only planning across all ages; retirement
Jessica Moorhouse (MoorMoney Media Inc.)
Jessica Moorhouse, CFC, QAFP
Fee model
Coverage
Virtual across Canada
Millennials; financial education
Joe the Investor
Joe Barbieri, CFA
Fee model
Coverage
Guelph, ON
Advice-only financial consulting & education; tax preparation
Kinridge Financial Inc.
Andrew Darch, CFP
Fee model
Coverage
Virtual across Canada
Lamp Financial Inc.
Michael Deepwell, CPA, CA, CFP, CLU, TEP
Fee model
Coverage
Vancouver, BC
Tax/accounting-integrated planning; business owners, trusts, estates
Lorna Eastman Financial
Lorna Eastman, CFP
Fee model
Coverage
Victoria, BC
Retirement, pension, tax & estate planning; individuals & corporations
Ma Vie - Mes Finances
Roger Massicotte, Pl.Fin., FEA
Fee model
Coverage
Blainville/Rive-Nord (Laval area), QC
Pre/post-divorce financial advice; retirement; trustees/mandataries
Meghan Chomut, CFP
Meghan Chomut, CFP
Fee model
Coverage
Virtual across Canada
Rental / income-property owners
Merrick Financial Inc.
Chris Merrick, CFP (firm also incl. Daisy Xiao, CFP, CIM)
Fee model
Coverage
Toronto (East York), ON
High-earning professionals; retirees; business owners; corporate planning
Modern Cents
Team: Andrea Thompson, Vikki Brown, Shay Steacy, Jennifer Hughes (CFPs)
Fee model
Coverage
Virtual across Canada
U.S./Canada cross-border planning
Money Architect Financial Planning
Russell Sawatsky, CFP, CIM
Fee model
Coverage
Virtual across Canada
Comprehensive household plans; DIY investors
Money Coach JM
Jean-Marie Chan Kin, CPA, CFP
Fee model
Coverage
Virtual across Canada
Complex/professional income; investment second opinions
Money Coaches Canada
Sheila Walkington & Karin Mizgala (co-founders, CFP) + 10+ coaches (Steve Bridge, Janet Gray, Christine White, Annie Kvick)
Fee model
Coverage
Virtual across Canada
Cash flow/debt, retirement, life transitions (divorce, inheritance, retirement)
Money Helps
Brandon Wiebe, CFP
Fee model
Coverage
Virtual across Canada
DIY investors; retirement; young family; self-employed/rental/RSU situations
Niagara Region Money Coaches
Trevor Van Nest, CFP
Fee model
Coverage
Virtual across Canada
Debt elimination & cash-flow; flat-fee money coaching
Fee model
Coverage
Virtual across Canada
Retirement; tax/accounting; cross-border; divorce
Outdoor Life Planning
Allan Buckingham, QAFP
Fee model
Coverage
Virtual across Canada
Mountain/resort-community lifestyle; living on lower/variable incomes in resort towns
Panorama Financial Planning Inc.
Jim Pan, CFP, CLU, MFA-P
Fee model
Coverage
Virtual across Canada
High-income & incorporated professionals (physicians, dentists, lawyers, tech); families 30s-40s
Papyrus Planning
David Field, CFP, TEP
Fee model
Coverage
Virtual across Canada
Retirement income; behavioural cash-flow planning
PlanEasy
Owen Winkelmolen, QAFP (founder)
Fee model
Coverage
Virtual across Canada
Retirement (<10 yrs out), tax & benefit optimization, financial independence; less-complex situations
Poyner Financial
Matt Poyner, MD, CFP
Fee model
Coverage
Virtual across Canada
Canadian physicians/doctors; business owners
Premier Financial Planning Services
Jacquie Skinner, BA, CFP, RFP
Fee model
Coverage
Midland, ON
Advice-only financial planning
Fee model
Coverage
Virtual across Canada
Retirement & decumulation for Canadians 50+
Rags to Reasonable
Chris Enns, CFP
Fee model
Coverage
Virtual across Canada
Artists & creatives, digital nomads, variable-income earners, self-employed
Retirement in View
Ayana Forward, CFP
Fee model
Coverage
Virtual across Canada
Retirement planning for those near/at retirement; federal government employees
Ripple Financial Planning
Steven Arnott
Fee model
Coverage
Ontario, Canada
Advice-only planning for low- to middle-income, early- to mid-career Canadians
Sandi Martin Financial Planning
Sandi Martin, CFP, CFDS, FEA
Fee model
Coverage
Virtual across Canada
Retirement income; young families; investment policy
Save with Dan
Daniel Trezub
Fee model
Coverage
Virtual across Canada
Behavioural money coaching / mindset & budgeting
Smarter Financial Planning Ltd.
Derek Moran, R.F.P.
Fee model
Coverage
Virtual across Canada
Retirement planning; works alongside clients' portfolio managers
Spring Planning
Julia Chung, CFP, FEA, TEP (+ team)
Fee model
Coverage
Virtual across Canada
High-complexity: corporations, trusts, cross-border, multi-generational family wealth/business
Stewart & Kett Financial Advisors Inc.
Cynthia Kett, CPA, CFP, TEP, MFA-P (team)
Fee model
Coverage
Toronto, ON (also Calgary, AB)
Comprehensive advice-only wealth planning for complex situations
Strategos Group
Morris MacLeod, MBA
Fee model
Coverage
Nova Scotia
Family wealth governance & continuity planning
The Dixon Davis Group
Mark Lotocky & Cole Schneider
Fee model
Coverage
Victoria, BC
Fixed-fee planning for all wealth levels
The New School of Finance
Shannon Lee Simmons, CFP, CIM; Liz Schieck, CFP, OCT
Fee model
Coverage
Virtual across Canada
Complex retirement; entrepreneurs/sole proprietors; rental owners; incorporated professionals
The Wellth Company
Lisa Zamparo, CPA
Fee model
Coverage
Toronto, ON
Values-based / mindful personal-finance coaching
UPotential
Monique Madan, CFP
Fee model
Coverage
North York (Toronto), ON
Divorce financial planning
VAVE Financial Planning
Nicholas Hui, CFP, TEP, MBA, P.Eng
Fee model
Coverage
Virtual across Canada
Technical professionals, early-career, young families; FIRE
WD Development
Sara McCullough, CFP, CFDS, CDFA, R.F.P.
Fee model
Coverage
Kitchener, ON
Separation/divorce; family business (farm) succession
Your Net Worth Manager
Kathy Waite, RRC
Fee model
Coverage
Virtual across Canada
Retirement income planning; advice free of product sales
The model
What "fee-only" means here
A fee-only planner charges a direct fee for advice and earns no commission from selling funds, insurance, or managed accounts, so the plan is built for your situation. The planners here are also advice-only: they build your plan without taking custody of your money or charging a percentage of it.
Each profile shows fees the way the firm states them, who the firm works with, and how to reach them.
Fee models
- Advice-only. Paid for advice and a plan, with no products sold and no assets managed.
- Flat-fee. A fixed project price for the work, agreed up front.
- Hourly. Billed by the hour for the time your questions take.
- Subscription. An ongoing monthly or annual retainer for continuing advice.