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Financial Planning

Intellectual Honesty – Logic Will Prevail.


About Us

We are a Private and Independent Financial Planning Boutique, helping people with the different facets of their financial life. From career launch to estate planning. We do the planning and offer the products to achieve your goals.

What differentiates us is the depth of our analysis. We give value from the start, using comprehensive financial strategies based on solid financial and probabilistic mathematics foundations and a wide array of products to support.

We are true independent thinkers and strategists!

The Four Elements of Comprehensive Planning

Risk Management

Effective financial planning anticipates not only the highs but prepares for the unexpected lows as well.

  • Insurance Options
  • Emergency Fund Establishment
  • Liability Assessment

Cash Flow Planning

Retirement planning is about setting a course for a comfortable and secure retirement.

  • RRSPs and TFSAs
  • Retirement Planning
  • Pension expertise

Tax & Estate Planning

A common oversight in wealth management is equating the rate of return on investments with true wealth growth, neglecting the critical effect of taxes.

  • Tax Reduction Strategies
  • Estate Preservation
  • Legal Aspects of Estate Planning

Investment Management

Portfolio management is the art of selecting and overseeing a collection of investments that align with your financial goals, time horizon and risk tolerance.

  • Diversification strategies
  • Asset allocation models
  • Performance monitoring and rebalancing

Explore our insights

In partnership with

BSc., CLU, CFP®, Pl. Fin.

Founder, Chairman and Chief Advisor.

Michel Guimond

Best pension financial advisor in the Ottawa region.

Michel studied at Laval University, in Quebec City, and obtained a Bachelor’s degree in actuarial science in 1985. He worked at Metropolitan Life (MetLife) in Ottawa (and stayed in the region since then!) from 1985 to 1990 in the actuarial department, and obtained his Associateship from the Society of Actuaries (Illinois, USA), in 1988. In 1990, he decided to jump on the other side of the fence and to become a Financial Planner to help people with their finances.

In 1993, he went to Great-West Life (GWL) as a sales manager, then Regional Life manager in 1997.

In 2000, he left GWL to join a group of actuaries and financial planners and start giving retirement seminars for the Retirement Planning Institute (RPI), the largest provider of retirement seminars to the public function pensionneers. Since the year 2000, Michel has been the leading financial planning seminar facilitator at exclusive events for public sector employers and employees.

Over 700 seminars later, he still does retirement seminars and provides financial plans to over 500 families.