Directory of Advice-Only Financial Planners

A lot of Canadians are considering "making the switch" from a traditional advisor with percentage based advice pricing over to an advice-only (a.k.a fee-only) advisor. Currently, there doesn't seem to be a comprehensive, up-to-date list of Advice-Only financial planners in Canada. Existing resources are often outdated spreadsheets or PDFs that are difficult to sort, with pricing details that are old and no longer accurate. Also, some other "directories" are simply pay-to-play platforms that charge planners to advertise, resulting in an incomplete list.To solve this, I manually reviewed every entry in all directories I could find. I then visited each planner/firm’s website individually to verify and update their pricing, and I also cross-referenced every planner’s status with the FP Canada CFP® directory to ensure their credentials are current.In the directory below, I standardized all fields to allow for easy sorting and comparison. The listed fee represents the firm’s lowest advertised starting price for a standard (individual) financial plan (non-complex) - there's a bit of nuance in the definition of a "financial plan" but I tried to use specific guidelines to compare between providers as fairly as possible.The "Complex" column indicates whether the firm explicitly states they handle corporate planning, trusts, cross-border issues, or other advanced financial situations, but please note that it is NOT associated with the fees listed below. To reiterate, these service prices are for a basic plan, regardless of whether the firm offers complex planning services. I will be updating this directory quarterly moving forward.Don't forget to try the dynamic tool (below the directory) to compare the long-term cost of Advice-Only planning versus percentage-based (AUM) models. Customize the variables to reveal exactly how fees impact your wealth over time. You can input any firm's pricing model to compare side-by-side and determine if switching to Advice-Only offers better value for your financial future.

Skip directory and go to calculator

Sort by:

Firm	CFP®	Cost	Complex	Link
Loading directory...

Scroll for more ↓

Last updated: 2026.02.07

▼ CLICK HERE to view Methodology, Verification & Disclaimers

1. Accreditation: I only included firms with at least one CFP® professional to ensure a minimum accreditation standard. The QAFP designation was excluded, as it carries less stringent educational and professional experience requirements.

2. Strictly Advice-Only: I excluded any firms that are not strictly Advice-Only or Fee-Only (no AUM fees, no commissions).

3. Virtual First: I excluded firms that require in-person appointments, ensuring national/provincial accessibility.

4. Active Status: I excluded firms that are no longer operating or do not have an active, verifiable website.

5. Pricing Data: I updated the pricing using current website data (Q1 2026) whenever available.

6. Transparency: I excluded firms that do not disclose a fixed "per-project" fee (e.g., excluding those charging solely by the hour, subscription-only, or percentage of income).

7. Standardized Comparison: "Base Plan Cost" is used for a like-for-like comparison of a non-complex financial plan for a single individual. This means more than "an assessment meeting" or a "financial consultation". It is the creation of a plan that focuses on the main financial planning disciplines, at least to some basic degree. However, because financial planning roles are not standardized across Canada, variations in service scope may still exist. Users should note that the depth and deliverables of "basic" packages can vary meaningfully between firms.

8. Geographic Availability: Please note that service availability may vary by region; not all firms are licensed or provide services in every province.

9. Data Accuracy: Every effort was made to source the most current pricing directly every single firm's websites. Where public fee disclosure was unavailable, I utilized data from third-party sources to complete this directory, although some of this information was self-disclosed by the firms themselves (and may not have been updated). All information is provided "as-is," and I strongly recommend confirming all fees directly with the firm.

Directory built upon the foundational resources provided by The Value of Simple and Steadyhand, supplemented by independent verification and extensive research.

FOR PLANNERS: Notice a mistake? Want to be added? Reach out:
[email protected]

View Complete Directory Data & Methodology

1. Mission & Essence

Make The Switch is Canada’s definitive independent directory and utility for the "Advice-Only" (Fee-Only) financial model. The platform provides:

The Directory: The most comprehensive, verified list of Canadian financial planners who work strictly on a flat-fee basis.
The Calculator: A data-driven tool that quantifies the long-term wealth impact of switching from AUM fees to flat-fee advice.

2. Vetting Methodology (Trust Signals)

Accreditation: Must have at least one CFP® (Certified Financial Planner) on staff.
Business Model: Strictly Advice-Only / Fee-Only (No AUM fees, no commissions).
Pricing Transparency: Must disclose a fixed "per-project" fee.
Availability: Must offer virtual services (no in-person requirement).
Maintenance: Manually reviewed and updated quarterly to maintain Canada’s definitive Advice-Only master list.

3. Market Pricing Stats (Q1 2026)

Based on 44 verified firms (Standard Non-Complex Plan):

Lowest Fee: $800 (fPlan Advisory Inc.)
Median Fee: $2,500
Average Fee: $2,638
Highest Fee: $7,495 (Buxton Financial - Specialized)

4. Full Directory (44 Verified Firms)

Data Schema: [Firm Name] | [Base Fee (CAD)] | [Complex Case Capable (Yes/No)]

									| Firm Name | Base Fee | Complex? |
									| :--- | :--- | :--- |
									| Objective Financial Partners Inc. | $2,500 | Yes |
									| Bespoke Financial Consulting Inc. | $3,500 | Yes |
									| New School of Finance | $2,205 | Yes |
									| Spring Planning | $2,500 | Yes |
									| Aergo Financial Planning | $2,000 | No |
									| Sandi Martin | $4,500 | No |
									| Retirement in View | $1,000 | No |
									| CNAL Financial Planning | $2,000 | Yes |
									| Tulett, Matthews and Assoc. | $1,500 | Yes |
									| Money Coaches Canada | $3,000 | No |
									| Niagara Region Money Coaches | $1,485 | No |
									| William Jack & Associates | $2,500 | No |
									| Vave Financial | $1,500 | Yes |
									| Finovo | $2,450 | No |
									| Duxbury & Associates | $1,250 | No |
									| PlanEasy Inc. | $950 | No |
									| Alaphia | $4,995 | Yes |
									| Amani Financial | $2,000 | Yes |
									| Stewart & Kett | $3,000 | Yes |
									| Alberta Financial Planner | $3,250 | Yes |
									| Buxton Financial | $7,495 | Yes |
									| Money Coach JM | $1,485 | Yes |
									| Modern Cents | $3,500 | Yes |
									| Fair Winds Financial Coach | $1,800 | No |
									| ABZ Financial Planning | $3,200 | No |
									| Parallel Wealth | $3,500 | Yes |
									| Panorama Financial Planning | $6,000 | Yes |
									| Be Wealthy Financial Coaching | $1,995 | No |
									| The Dixon Davis Group | $4,020 | No |
									| Divergent Financial Planning | $3,000 | Yes |
									| Lorna Eastman & Associates Ltd. | $2,500 | Yes |
									| Evans Retirement Planning | $1,700 | Yes |
									| Forest Financial Planning | $2,000 | Yes |
									| Clarity Personal Finance | $1,700 | Yes |
									| Papyrus Planning | $1,800 | No |
									| Next Chapter | $2,900 | Yes |
									| WD Development | $2,600 | Yes |
									| Tasman Financial Services | $3,000 | Yes |
									| Ripple Financial Planning | $1,800 | Yes |
									| Kinridge | $2,500 | No |
									| Rags to Reasonable | $2,750 | No |
									| Merrick Financial | $3,450 | Yes |
									| Money Helps Financial Services | $2,500 | No |
									| fPlan Advisory Inc. | $800 | No |

5. Calculator Logic & Assumptions

The calculator simulates the "Wealth Erosion" of AUM fees vs. Advice-Only fees using the following Python-based logic:

Market Variables: 5.0% annual growth; 2.5% annual fee inflation; 13.0% HST on all flat fees.
AUM Model Logic: Fees (0.75%, 1.0%, or 1.25%) are applied to the post-growth balance annually.
Advice-Only Model Logic:
- Triennial Plan Fee: $1,000 (Base) charged Year 1 and every 3rd year thereafter.
- Annual Review Fee: $250 (Base) charged every year (optional).
- Inflation Scaling: Fees increase by 2.5% annually before 13% HST.
Order of Operations: (1) Apply Growth -> (2) Deduct Advice/AUM Fees -> (3) Apply Inflation to next year's fee schedule.