The money question you're stuck on, answered straight.
Locked pension after a layoff. RSUs vesting. FHSA or RRSP first. We work through the rules for your exact situation and give you a clear next step. Flat fee. Nothing to sell.
Pick the question that sounds like you.
Each one has rules, deadlines and tax traps. We find the order of moves that actually works for you.
Laid off? Start here
My RPP is locked. How do I unlock it?
How we help
When you leave an employer, your pension usually lands in a locked-in account (LIRA) that you normally can't touch until retirement. There are legal exceptions, but each has its own eligibility rules, forms and tax withholding, and Ontario and federally regulated plans follow different rules.
We confirm which rules apply to your money, check every route you qualify for, and map out the steps with you. Ask about your pension →
First home
FHSA or Home Buyers' Plan first, or both?
How we help
You can use both for the same home, but the order and timing change how much tax-free money you end up with and what you owe back later. We map the stacking order to your purchase date. Ask →
Every paycheque
RRSP, TFSA or FHSA: where should my next dollar go?
How we help
The right answer depends on this year's income versus next year's, your bonus or vesting schedule, and your home plans. We give you a contribution order, not a lecture. Ask →
Newcomers
Just landed. How much TFSA room do I really have?
How we help
TFSA room starts from the year you became a resident of Canada, not from age 18. Over-contributing costs a penalty every month, and many online calculators get this wrong. We work out your actual room. Ask →
Tech pay
My RSUs are vesting. Sell, hold, or something else?
How we help
RSUs are taxed as income when they vest, and holding too much employer stock is a quiet risk. We look at your tax bill, your concentration and your goals, then set a simple plan for each vest. Ask →
Cross-border
Moving to the US on a TN visa. What happens to my RRSP and pension?
How we help
Leaving Canada changes how your RRSP, pension and investments are taxed on both sides of the border. We walk through what to keep, what to move and what to file before you go. Ask →
Offer in hand
Is this car loan or lease rate actually good?
How we help
Bring the dealer's worksheet. We compare it with current market rates and point out the add-ons and terms that cost you. We earn no referral fees, so you get an honest read. Ask →
Don't see your question? Bring it to a free call.
No sales, guaranteed.
- Nothing to sellNo investments, insurance or mortgages.
- No commissionsNo referral fees or kickbacks.
- Flat feeQuoted in writing before we start.
- Your accounts stay putKeep them wherever you like.
Three steps. No pressure.
- Free 20-minute callTell us what you're stuck on. If we're not the right fit, we'll say so.
- Flat-fee quoteA clear scope and price in writing. Nothing starts until you say yes.
- Your answer and action planVirtual sessions, plain language and written next steps that are yours to keep.
Hi, I'm Manoj.
I'm an insurance product professional with more than 20 years in the industry, including over 8 years leading teams. I've spent my career on the inside of how insurance and financial products are designed, so I know how they work and what to look for.
I'm currently pursuing the QAFP® certification with FP Canada, as an FP Canada scholarship recipient.