Certified Financial Plan2023-03-21T23:39:12-04:00

Your certified Life and Financial Plan

Creative Solutions for Life

What does it mean for you to own a “Certified Life and Financial Plan”?

Without a plan it’s only a wish – and wishes may not come true.  Failing to plan is planning failure, and an astonishing 70% are hoping for success without an active plan for their future needs and rewards.  Over the past quarter-century I’ve grown my practice as a certified financial planner, certified professional consultant on aging, and certified retirement coach.  Such certifications are for YOU to know we are dedicated personally and holistically to addressing risks, and assuring you can enjoy the Life You Choose.

What does it mean for you to own a “Certified Life and Financial Plan”?   It begins uniquely by recording where you are today, and the key goals and values you want to achieve in life.  We discuss the top dangers you want to avoid, as well as the opportunities and experiences you want to collect and enjoy in your personal and family life.  Your CLFP mirrors your feelings on potential risks and rewards, so we can secure your pathway to lifelong wealth.  This CLFP moves on to portfolio investments in and beyond Canada, using specific management teams with active control over each asset or holding.  Next we graph your net income from today to age 95 or more (since people are living longer than ever!) even to 105 if you like, with all your earnings, pensions, savings, government benefits, home-value, other properties, tax schedules, and ultimate estate values.

This maps out, crystal clear, where you have surpluses to enhance or accelerate your rewards, or gaps that eventually would yield brutal calamity.  Here in graphic detail you see a picture of blue and gold bars, showing your desired financial wellbeing and the gap or surplus in your planning.  With a surplus we can discuss the impact of reaching your goals sooner or enlarging them.  With a gap, we can promptly take the actions that will erase future worries and stress.  Re-setting the compass to reach your desired destination may need some discipline but also comes with rewards, both immediately and in all the “todays” yet to come.

Our clients’ experience proves the value of this full-circle of holistic financial planning.  Surplus or gap for your future needs, inevitably speaks back to the fundamental concerns and values you bring into this planning – ie. all that is most important to you.  At 30 someone most wanted freedom over crushing credit card charges.  At 40 people are aching to clear off a mortgage while saving for education and retirement.  At 50/55 many are seeking the oxygen of a new career or way of balancing work and life.  At 70, 80, and more, there’s travel, leisure, arts, family, friends … as the most tender concern of personal comfort when later-years become frail.  When someone’s ‘today’ is 95, money is as vital as it ever was.  With your certified plan we’re protecting you now and all your “todays” yet to come.

Planning for retirement, Your Financial Future »

It has been my pleasure to work with Brian as a volunteer with the Burlington Community Foundation. Brian’s passion and commitment to local philanthropy and to his clients is truly inspirational.

~ Paul Subject, entrepreneur and philanthropist
Entrepreneur and Philanthropist

Brian is an intelligent, dedicated and caring Individual. I have been consistently impressed over the years by both Brian’s attitude towards his work and his compassion in helping people plan their financial futures. He has a fantastic personality and great communication skills. I highly recommend him to anyone who requires a Financial Advisor.

~ Catherine Evel, CMP
CMP, Your Content Goes Here

Professional, honest, trustworthy, friendly. These are just some of the words that come to mind when I think about Brian. His attention to detail and expertise in the financial world are very comforting. He is not the first advisor I have ever dealt with but he surely will be the last. I recommend his services to anyone and everyone I can.

~ Tom Cahill, Cahill Solutions
Professional, Your Content Goes Here

Brian is an investment and insurance advisor endorsing a team approach with his clients, an approach that enhances each team member’s ability to serve their clients’ best interests.

~ Dave LeGault, CGA
CGA, Your Content Goes Here

Awards and Service

Queen Elizabeth II medal (1992) for service to community

Awarded on Parliament Hill 1992 for service to represent combined interests of business, faith groups, education, and non-profit sector in the battle against child poverty.

Founding Donor:  Early and Lifelong Nutrition Fund. 

In Oakville and Burlington Community Foundations this fund is growing and actively supports vital nutrition, skills development, and socialization for children, families, and seniors.

One Burlington Inter-Faith Festival

An annual and fully inclusive celebration of harmony, dialogue, and friendship in Burlington and the wider Halton region.