We work with successful professionals who don’t have the time—or desire—to manage all the moving parts of their financial life. You’ve built a great career, you’re raising a family, and you might also be supporting aging parents. You don’t need another financial to-do list—you need someone you can trust to handle it for you. Below are the most common questions we get from clients like you.
In Canada, there’s no formal “fiduciary” title — but our Certified Financial Planner (CFP®) professionals are bound by FP Canada’s Code of Ethics, which requires us to always act in your best interest. We take that responsibility seriously and are fully transparent about our advice, fees, and recommendations.
Insight Planning is a fully independent wealth management firm. That independence gives us the freedom to recommend the strategies and solutions that best serve your goals — that means we don’t sell in-house or proprietary products — and we aren’t influenced by corporate sales targets.
Your investment accounts are held by one of Canada’s major, regulated custodians — never by us directly. Canada’s wealth-management industry is among the most secure and closely regulated in the world, operating under the same oversight as the major banks. Client accounts are protected by CIPF coverage (Canadian Investor Protection Fund), and you’ll always have secure online access, independent statements, and full transparency at all times.
In the early stages of every client relationship, we’re fully transparent about what fees exist. You’ll always know the exact costs before deciding to proceed — no surprises. Our advisory fees are competitive within the Canadian marketplace and clearly disclosed in our engagement agreement.
Most of our work is based on a transparent advisory fee, which is a percentage of the assets we manage on your behalf. This fee covers the ongoing advice, planning, and portfolio management we provide, and it’s clearly disclosed on every statement. For insurance solutions, we may receive a commission, which we’ll always disclose upfront.
We don’t offer ongoing fee-for-service or retainer-based planning. Instead, our work is built around a comprehensive advisory relationship, where your advisory fee covers ongoing planning, portfolio management, and coordination with your other professionals. This structure ensures our incentives are fully aligned with yours — when you succeed, we succeed.
Switching to Insight Planning is straightforward and secure. Before any decisions are made, we’ll conduct an impact analysis to identify and help you avoid potential penalties, fees, or taxable gains that could arise from a transfer. When handled carefully and properly, these issues can often be minimized or avoided entirely.
Very easy. We believe trust has to be earned, not locked in. There are no long-term contracts or exit fees with Insight Planning. If you ever feel we’re not the right fit, you’re free to move your accounts at any time — and we’ll help coordinate a smooth, secure transfer to ensure continuity and minimize disruption.
Yes — selectively. We limit new relationships to ensure we can deliver the level of personal attention and proactive service our clients expect. Our advisory relationships are best suited for professionals, business owners, and families in their peak earning or transition years who value organization, objectivity, and expert guidance.
While there’s no strict minimum, our services are designed for clients who want a comprehensive, long-term advisory relationship. Most Insight clients have $500,000 or more in investable assets, but what matters most is alignment — people who value clarity, collaboration, and a coordinated plan to simplify their financial life.
We’re always honoured when clients introduce us to people they care about. Because we’re selective in who we take on, we start with a Clarity Call to ensure there’s a strong fit and that our approach aligns with their goals, values, and life stage.
The best place to start is a 20-minute Clarity Call — a relaxed, no-pressure conversation to understand your goals and see if we’re the right fit. Our process is best suited for busy professionals, business owners, and families in their peak earning years who want expert guidance and time back in their lives.
Many of our clients could manage their money on their own — they just choose not to. They know their time is better spent living life, not tracking markets. Our Insight 360° Planning System is how we deliver that edge. It brings every part of your financial life together — investments, tax, insurance, estate — into one clear plan. No guesswork. No noise.
We’re an independent, planning-first firm built to simplify life for successful Canadians in their busiest season. No corporate objectives, no in-house products, no sales quotas. Just real advice built around you. Our Insight 360° Planning System connects every part of your financial life into one coordinated plan.
It means shifting from reactive to intentional. Our Insight 360° Planning System turns financial chaos into clarity — coordinating your investments, tax, insurance, and estate planning so everything runs in sync. We handle the noise — you get your time, focus, and freedom back.
It’s our proven framework for turning financial complexity into clarity. The Insight 360° Planning System connects your investments, tax, insurance, and estate planning into one coordinated strategy. You’ll see your full financial life in one clear view — including your probability-of-success score — so every decision is informed, proactive, and aligned with what matters most.
Success isn’t about chasing numbers — it’s about alignment. When your money, time, and energy all support the life you actually want, that’s success. We measure it in clarity of direction, confidence in your decisions, and the calm that comes from knowing everything’s working together.
We invest based on evidence, not emotion. No guessing, no chasing headlines. Our portfolios are built on Nobel Prize–winning research, designed to be diversified, disciplined, and cost-efficient through every market cycle. We tilt toward areas where investors are rewarded over time — keeping risk low and returns consistent.
A Clarity Call is a short, no-pressure conversation with a Certified Financial Planner (CFP®) to help you get clear on your goals and see if our approach feels right for you. We’ll talk about what’s working, what’s not, and where you want to go next. You can book online anytime through our Book a Call link.
Yes. We offer a complimentary Insight 360° Second Opinion — a focused, data-driven review of your existing financial plan or portfolio. Using our Insight 360° Planning System, we’ll assess how well your current strategy aligns with your goals, risk, and tax efficiency. You’ll leave with clear next steps and practical insight.
That’s one of the first questions we help you answer. Using our Insight 360° Planning System, we model your income, lifestyle, and goals to create a personalized retirement probability of success score. It shows, in real numbers, how confident you can be in your plan — so every decision feels informed, not emotional.
It’s the squeeze so many of us feel. Our Insight 360° Planning System helps you see the full picture — what’s coming in, what’s going out, and how every decision affects tomorrow. We model trade-offs, test options, and build a plan that lets you show up for everyone you love without losing yourself in the process.
We don’t file tax returns directly, but with your permission, we’ll coordinate closely with your accountant to make tax season effortless. Our Insight 360° Planning System ensures proactive contributions, organized reporting, and a single annual tax package — so you’re not chasing slips or reacting last minute.
Reviewing your tax information is essential for accurate financial planning. By authorizing us as a CRA representative, you allow us to securely access (not change) your CRA data — so we can confirm important planning figures and avoid potential over-contributions. This ensures your plan is built on verified numbers, not estimates.
With your permission, we coordinate directly with your accountant, lawyer, and other trusted professionals to keep everything aligned — tax, estate, investments, and insurance. No silos. No surprises. Our Insight 360° Planning System ensures everyone’s working from the same playbook.
You’ll have secure online access to your accounts anytime, plus independent statements. Through our Insight 360° Planning System, we also provide simple, regular reporting that consolidates performance, contributions, and progress toward your goals — so you always know where you stand.
Most clients meet with us two to three times a year — or more often when life changes. Meetings can be held locally or virtually, depending on what’s easiest for you. Between meetings, our team provides proactive updates through our Insight 360° Planning System.
Both. We work with clients locally and virtually across Canada. Many prefer meeting online — no driving, no parking, no waiting rooms — just efficient, focused conversations from wherever you are. Our Insight 360° Planning System keeps everything secure, seamless, and connected.
If you’re ready to stop managing money logistics and start focusing on the life you’ve built, we can help. Our clients come to us for clarity, control, and peace of mind—and stay because they know we’re in it with them for the long term.
A 20-minute conversation with our founder to get to know each other and see if our approach is right for you. No commitment — just clarity.
Book Your Clarity Call