Smarter Financial Planning Ltd.
Derek Moran, R.F.P.
R.F.P. (Registered Financial Planner); member IAFP
Pricing
What they charge
Fees for this firm aren't listed here. Contact the planner directly for current pricing.
Fee model
Hourly
Client minimum
Not stated
Coverage
Kelowna, BC · Virtual across Canada
Verified
June 2026
Why advice-only
Fees that don't grow with your savings
Illustration on a $500,000 portfolio growing 5% a year. Run your own numbers →
What you pay Smarter Financial Planning Ltd.
Paid directly by you, for the advice and the plan.
What you never pay
- Product commissions
- A percentage of your portfolio
- Trailing fees on funds
- Sales loads or exit charges
Specialty
Areas of focus
Retirement planning; works alongside clients' portfolio managers
What's included
Services
Fee-for-service planning: retirement, pensions, insurance analysis, tax strategies, estate, cashflow; does not manage investments — advises & refers to portfolio managers
Work with Smarter Financial Planning Ltd.
Advice-only and commission-free, R.F.P. (Registered Financial Planner); member IAFP
Independently listed in our fee-only directory. Last checked June 2026.
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