Frequently
asked
questions

My signature offering is the Clarity Plan, a complete overview of your current, near future and far future financial situation with support along the way.

My practice is first and foremost advice-only, so my motivations are strictly to provide you with the best information possible. I don’t have any financial incentives to recommend a certain product or strategy.

Alternatively, you may be able to get financial planning from your bank or a wealth management firm, however they earn income on the products they sell you or based on a percentage of your assets that they manage, therefore they may be biased (even unknowingly) to recommend strategies that also benefit themselves or their firm.

Yes and no. In BC, the title of financial planner is not regulated and the services I provide do align with what a financial planner does, so I technically could call myself a financial planner. However, until I obtain the Qualified Associate Financial Planner™ (QAFP) certification, I’m using the title Personal Finance Consultant, out of respect for the profession and integrity of the industry.

QAFP certification steps/progress:

Education
Technical education ✓
Professional education ✓
Post-secondary degree ✓
Exam
In-person proctored exam
Experience
1,750 hours applying FP Canada’s financial planning competencies
Ethical compliance
Code of Ethics ✓
Rules of Conduct ✓
Fitness Standards ✓
Practice Standards ✓