Frequently Asked Questions

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. Client accounts are protected by CIPF coverage, and you’ll always have secure online access, independent statements, and full transparency.

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. 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.

Switching is straightforward and secure. Before any decisions are made, we’ll conduct an impact analysis to identify potential penalties, fees, or taxable gains. When handled carefully, 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. You’re free to move your accounts at any time.

Yes — selectively. We limit new relationships to ensure we can deliver proper personal attention. Our advisory relationships are best suited for professionals, business owners, and families in their peak earning or transition years who value organization and objectivity.

While there’s no strict minimum, our services are designed for comprehensive, long-term relationships. Most Insight clients have $500,000 or more in investable assets, but alignment matters most — people who value clarity and a coordinated plan.

We’re always honoured by referrals. Because we’re selective, 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.

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. Our Insight 360° Planning System brings every part of your financial life together into one clear plan. No guesswork. No noise.

We’re an independent, planning-first firm built to simplify life for successful Canadians. No corporate objectives, no in-house products, no sales quotas. Just real advice aligned with your life.

It’s our proven framework for turning financial complexity into clarity. It connects your investments, tax, insurance, and estate planning into one coordinated strategy, giving you a clear view of your financial future and probability of success.

We invest based on evidence, not emotion. Our portfolios are built on Nobel Prize–winning research, designed to be diversified, disciplined, and cost-efficient. We tilt toward areas where investors are rewarded over time — keeping risk low and returns consistent.