The Fit Call
A no-cost 30-minute read on whether your money lasts and the single biggest gap standing between you and the retirement you want. You leave knowing where you stand — no obligation, nothing to sign.
Book your fit callFinancial Planning & Advisory Services in London, Ontario
You don't need more products. You need one plan, and someone to run it. It starts with a fit call. Then one written plan. Then I manage it for life. As a retirement planner in London, Ontario, I bring retirement, tax, investments, insurance, and estate into one integrated strategy.
How we work together
Three steps, one direction: from a no-cost first look, to one written plan, to having your plan and portfolio managed together for life.
The Glacier Financial Plan
One written plan that turns your savings into a paycheque for life with less tax — when to draw which account, how to handle CPP, OAS and RRIFs, and how to keep more of what you've built. It's the first step into having it all managed for you.
Start with a fit callRetirement Income & Wealth Management
Your plan and your portfolio, managed together for life. Income, tax, investments and estate stay coordinated as your life changes — so you're never guessing whether the money lasts. This is what the fit call and the plan lead toward.
Book your fit callThe Glacier Path
Every relationship follows the same simple path — see it, plan it, live it.
- Step 1
See Where You Stand
A clear, honest read on whether your money lasts.
- Step 2
Name the Gap
Pinpoint the one thing standing between you and the retirement you want.
- Step 3
Build One Clear Plan
Turn your savings into a paycheque for life, with less tax.
- Step 4
Live It
Plan and portfolio managed together, adjusted as life changes.
What gets coordinated inside your plan
These aren't six separate products to buy — they're the moving parts your plan brings together. Explore any one, or book a fit call and we'll figure out which matter most for you.
Retirement Planning
Find out when you can retire and how much you can spend. I'll map out your income year by year so you can stop guessing and start planning.
Learn MoreTax Planning
Keep more of what you earn. I'll find every legal way to reduce your Ontario taxes — most people are surprised by how much they can save.
Learn MoreInvestment Management
Stop wondering if your investments are working. I'll build and manage a portfolio that fits your goals — no guesswork, no expensive products, no stress.
Learn MoreCorporate Planning
If you own a business in Ontario, you're probably paying more tax than you need to. I'll show you how to structure things so more money stays in your pocket.
Learn MoreLife Insurance
Make sure your family and business are protected if something happens to you. I'll help you figure out exactly how much coverage you need — no overselling.
Learn MoreEstate Planning
Make sure your money goes where you want it — to your family, not to taxes. I'll help you set up a plan that protects what you've built.
Learn MoreWhy One Integrated Financial Plan Matters
Investment returns are the tip of the iceberg — the visible 10%. These six services are the 90% below the waterline, where your money is actually protected or quietly lost.
Most financial advice is delivered in silos. Your bank handles investments. An insurance agent sells you a policy. Your accountant files your taxes. Nobody coordinates. The result is conflicting advice, missed opportunities, and thousands of dollars left on the table.
As a retirement planner in London, Ontario, I build one plan that connects every piece: your retirement income strategy informs your tax planning, which shapes your investment management, which coordinates with your insurance coverage and estate plan. Every recommendation considers the full picture, so nothing falls through the cracks.
Frequently Asked Questions
What financial planning services do you offer in London, Ontario?
I offer six integrated services: retirement planning, tax planning, investment management, corporate financial planning, life insurance, and estate planning. All six work together in one comprehensive plan — there are no silos, and every recommendation considers the full picture.
How much does a financial advisor cost in London, Ontario?
Everything starts with a Fit Call — a no-cost, no-obligation first look at where you stand. From there, the written plan and ongoing management bring financial planning, investment management, tax strategies, and regular reviews together in one relationship, so your whole financial picture is coordinated rather than handled piecemeal. We walk through exactly how it works on the call so there are no surprises.
Do I need all six services or can I choose just one?
Every client gets a comprehensive financial plan, but the depth of each area depends on your situation. Someone five years from retiring might focus on drawdown order and CPP timing; an incorporated owner usually needs all six. The initial call helps us determine which areas will have the biggest impact for you.
How is an independent financial advisor different from my bank?
A bank advisor is limited to their institution's products, and how they are paid is usually buried inside those products. I work as a retirement planner, and the difference you will notice is what you walk away with and how clearly you can see the cost. You get a written retirement plan covering income, tax, insurance and estate rather than a product recommendation, and you always know how I am paid: a flat planning fee agreed before the work starts, a management fee quoted in writing if I also run the investments, and an insurer-paid commission if you buy an insurance policy through me, which I raise at the time. The advice itself is not tied to any one company's shelf, and because you pay for the plan directly, it only has to answer to you.
Featured Financial Planning Resources
Independent Advisor vs Bank Advisor
What the difference actually means for your money in Ontario.
OAS Clawback in Ontario: How to Minimize It
Who gets hit, how the recovery tax works, and the moves that reduce it.
How to Choose a Financial Advisor
10 questions to ask before hiring — and the red flags to watch for.
Why Your Bank Advisor Might Cost You Thousands
The structural conflicts and high fees that erode your returns.
Estate Planning for Ontario Families
Wills, probate fees, beneficiary designations, and protecting your wealth.
Financial Planning During Divorce
Property division, pension splitting, and rebuilding your financial plan.
Not sure where to start?
Book a fit call and I'll help you figure out which services make sense for your situation.
Not ready to book? Take the 2-minute retirement quiz →
Or call me at 519-281-2735 or text 226-242-3640.