Fee-Only Advice

Are you looking for some unbiased financial advice? Whether you’re looking for a money coach or a financial advisor, you’ve come to the right place. I’m not your typical financial advisor – I’m not going to sell you anything; instead I’ll work with you to provide the honest advice you’re desperately looking for.

What services do you offer?

The financial industry is highly regulated. While I am not licensed to sell investments or recommend specific products, what I do offer you are the tools you need to empower yourself about your finances. It’s my goal to educate you so you’re well-informed next time you’re in the market for a mortgage or trying to decipher your annual pension statement.

I offer unbiased fee-only financial advice, specializing in pensions and the decumulation of financial wealth in retirement.  These costly decisions can be worth thousands of dollars. I provide answers to the following common questions:

  • Should I choose a pension or lump sum payout?
  • What’s the most tax efficient way to draw down my retirement savings?
  • Should I start CPP early at age 60, or delay it until 65 or 70?
  • What is the best age to start making RRSP withdrawals?

I also provide the basic money coaching and planning advice they don’t teach you in high school. Improving your finances is one of the most common New Year’s resolutions, yet do you find you’ve given up halfway through January? You can’t walk until you learn to crawl – I promise to teach you the day-to-day money management skills you need to one day be a master of your finances and ultimately grow your net worth.

What’s wrong with today’s financial advisors

In the financial industry there seems to be a disconnect between what the average person is looking for and what they’re receiving – there are hundreds of financial advisors out there, yet people can’t seem to find the answer to basic questions like can I afford to retire early or how can I get my budget back on track. When they leave the meeting their questions are left unanswered – all they end up with is more expensive mutual funds. I think that’s wrong and I’m here to help change that!

What makes you qualified to provide financial advice?

I have over 7 years’ experience in the financial industry. Today I work on Bay Street in the heart of Canada’s financial district as a pension analyst at a major pension consulting firm. I have written hundreds of blogs on personal finance, retirement, pensions, real estate and mortgages for major publications, including Toronto Star, the Globe and Mail, MoneySense and RateSupermarket.ca. I have made several media appearances to discuss personal finance and debt management, including the Financial Post, Toronto Star Personal Finance, Newstalk 1010 and the Pattie Lovett-Reid Show.

What makes you different than the other financial advisors out there?

Since I’ve adopted the fee-for-service business model, I’m only compensated for my time (not selling expensive mutual funds like most financial advisors). It’s in my best interest to provide sound financial advice, so you’ll come back satisfied for the years to come and hopefully recommend my services to your friends and family.

How much do you charge?

I’m of the philosophy that anything of value is worth paying for. Unlike the typical financial advisor who is compensated based on commission, you’ll compensate me strictly based our time together. Best of all, you’ll finally receive the answers to the financial questions you’ve been looking for. My rates are comparable to those found in MoneySense’s Directory of fee-only planners in Canada. Please contact me with your questions for a free estimate.

Are you ready to start working together?

Please contact me through any of these methods to book a FREE 15 minute consultation to discuss how I can help you master your money:


Sean was part of my money coaching team and I don’t think my results would have been the same without him. He was incredibly knowledgeable and taught me terms and options that I didn’t even know existed. Sean was always patient and happy to explain what my options were and why he thought they were the right fit. He served as an experienced resource of information as well as a very friendly, understanding and personable coach. I would highly recommend Sean to anyone seeking the right fit in this avenue.
Dima Ahmad