Advice Only Financial Planner in Calgary

If you’re looking for an advice-only financial planner in Canada, you’re in the right place! I help individuals and couples build clear, confident financial plans without commissions or product sales, just unbiased guidance aligned with your goals.

As an advice-only financial planner based in Calgary, I work virtually with clients across Canada. My role is to help you understand your options, make informed decisions, and feel confident in the direction you’re going.

Every financial situation is unique, which is why I offer planning that meets you where you are and helps you move forward with clarity.

What is an advice only financial planner?

An advice-only financial planner is someone who helps you make financial decisions without selling you anything.

That means no commissions, no investment products, and no incentives tied to where your money goes. The focus is entirely on helping you make decisions that align with your life, your goals, and what matters most to you.

In traditional financial advice, the person you’re working with is often compensated based on the products they recommend. That doesn’t make them bad at what they do, but it does mean their advice can be influenced by how they are paid.

Advice-only planning is different.

You pay a transparent fee for guidance, and in return, you receive unbiased advice. We look at your full financial picture, your income, your spending, your investments, your goals, and help you understand what decisions make the most sense for you.

This includes things like:

Whether to prioritize your TFSA or RRSP
How much you actually need to be saving
What retirement could look like
How to structure your investments in a way you understand
How to make decisions without second-guessing yourself

There are no products to sell and no pressure to act in a certain way. The goal is to give you clarity and confidence so you can move forward knowing you’re making informed decisions.

Who financial planning is for

Financial planning isn’t just for people who have everything figured out.

Most of the people I work with are thoughtful and responsible with money. They’ve saved, invested, and made many of the “right” decisions, but still feel unsure about their next steps.

If this sounds like you, you’re in the right place.

This is likely a good fit if you:

Are earning a solid income, but not feeling ahead
You’re making good money, but you’re not sure if you’re using it as effectively as you could be.
Have tried to figure things out on your own
You’ve spent time researching TFSAs, RRSPs, and investing, but you’re still not confident you’re making the right decisions.
Feel overwhelmed by financial decisions
There are a lot of moving parts, and it’s hard to know what matters most or where to focus.
Want clarity, not just more information
You’re not looking for more articles or opinions, you want a plan that applies specifically to your life.
Value understanding your money, not just delegating it
You want to feel confident in your decisions, not dependent on someone else to make them for you.

This approach may not be the right fit if:

You’re looking for stock picking or market predictions
This is about building a long-term strategy, not trying to time the market.
You want someone to fully manage your investments without your involvement
My approach is collaborative, so you understand and feel confident in your plan.
You’re not ready to engage with your finances at all
This process works best when you’re open to learning and participating.

The clients I work best with are thoughtful, engaged, and ready to move from uncertainty to clarity.

What you’ll walk away with

Financial planning isn’t just about numbers, it’s about clarity.

Most of the people I work with come in feeling unsure if they’re making the “right” decisions. They’ve saved, invested, and made thoughtful choices, but still feel like they’re guessing.

By the end of our work together, that changes.

Your plan will include:

A clear retirement roadmap
You’ll see when you can realistically retire, how much you’ll need, and what your income will look like over time.
A tax-efficient withdrawal strategy
Including guidance on when to draw from your TFSA, RRSP, and non-registered accounts, and when to start CPP and OAS.
Clarity on where to save and invest
You’ll know whether your next dollar should go toward your TFSA, RRSP, mortgage, or something else, based on your goals.
A plan for your investments
We’ll talk through your current investments, your risk tolerance, and how to build or refine a portfolio that aligns with your comfort level and long-term goals.
Support for medium-term goals
Whether that’s buying a home, taking time off work, or making a career shift, your plan will reflect the life you actually want to live.
A realistic, judgment-free look at your spending
You’ll understand where your money is going today, and how to align it more intentionally with what matters most to you.
An implementation plan you can actually follow
No vague recommendations. You’ll leave knowing exactly what steps to take next, and in what order.

Most importantly…

You’ll walk away feeling clear and confident in your decisions, and able to trust yourself with your money.

Because when you understand the “why” behind your plan, it becomes much easier to follow through.

Financial Planning Services and Packages:

Retirement Consultation

For individuals or couples who want expert guidance on retirement readiness without a full planning engagement.

Feeling uncertain about whether you’re on track for retirement? This one-time advice only consultation gives you clarity and actionable next steps so you can move forward with confidence. Before our meeting, you’ll complete your financial profile on my secure planning platform so I can review your information in advance. During your one-hour session, we’ll focus on your key questions and identify your top priorities.

This consultation includes:

One-hour personalized meeting focused on your retirement goals
Review of your current savings, pensions, and projected income
3 to 5 clear, practical action items for you to implement
A recording of your session so you can revisit the discussion anytime
Secure access to your financial planning platform to view your plan and track your progress

Ongoing Support:

After your consultation, maintain continued access to your platform for $9/month, allowing you to revisit your plan, update information, and stay organized as your retirement plans evolve.

Book a Retirement Consultation

Financial Clarity Plan

For employees or couples managing multiple financial goals with pensions and savings priorities.

Feeling overwhelmed with retirement planning, mortgage repayment, and saving for your family’s future? This advice only financial planning package is delivered over a three-month engagement, giving you a personalized roadmap to make confident financial decisions.

This plan includes:

Retirement and pension planning
Mortgage and debt repayment strategy
Education and savings goals (RESP, TFSA, RRSP)
Cash-flow and spending review
Contribution and withdrawal strategy

Ongoing support:

After your initial three-month engagement, you can continue for $62.50/month, which includes semi-annual plan updates and continued access for questions to keep your strategy aligned with your goals.

Book Your Planning Session

Comprehensive Wealth Plan

For business owners, or families with corporations and multiple rental properties managing multiple income streams, corporate structures, and investments can feel complicated. This advice only financial planning package is delivered over a three-month engagement, helping you integrate your personal, business, and investment finances so your money works efficiently and aligns with your values.

This plan includes:

Personal and corporate cash-flow planning
Salary and dividend strategies (in coordination with your accountant)
Investment planning and tax-efficiency strategies
Retirement and succession planning

Ongoing support:

After your initial three-month engagement, you can continue for $100/month, which includes semi-annual plan updates and continued guidance to keep your plan current as your financial situation evolves.

Book Your Wealth Consultation

Our goal is to empower you with the knowledge and understanding you need to make informed investment decisions.

We offer risk assessment and guidance on portfolio construction and investment vehicle selection. However, we do not provide specific investment recommendations or manage investments directly.

Looking for something else?

Do-It-Yourself Financial Planning

Get access to our innovative financial planning software and instructional YouTube videos designed to guide you through the process at your own pace.

$9/month • Cancel anytime

DIY Financial Planning

General Financial Planning & Coaching

Have a specific financial question or need guidance to build your confidence? I'm here to help! Reach out to discuss how we can work together to address your needs.

$250/hour

Meet With Lori!

Planning that fits your income

Money stress is real, and many people are working hard and still feel financial pressure. I believe access to good financial advice should not be limited to higher income households. Financial planning can create clarity and stability at any income level. This option is designed for households earning under $100,000 gross and provides comprehensive, advice only planning at an income based fee. If you would like to be considered, please reach out to request the short application form and next steps.