Directory of Advice-Only Financial Planners

More and more Canadians are making the switch to advice-only (fee-only) planners because of the significant cost savings that can be achieved, but finding one still remains surprisingly challenging. Most existing directories are outdated, hard to sort, or biased by pay-to-play advertising.

This directory solves that. It's free and accessible to everyone (subject to accreditation and transparency guidelines listed below the directory). I manually audited each firm's current pricing, visited their website and cross-referenced their FP Canada CFP® status to give all Canadians a comprehensive, up-to-date comparison tool.

The fee listed represents the firm’s lowest advertised starting price for a standard (non-complex) financial plan, as a means to complete a like-for-like comparison between all firms. Pricing for additional complexities may vary. (See the methodology section below the chart for details on how this is standardized).

If you want to see the long-term cost difference between percentage-based fees and advice-only planning, you can use the calculator located at the bottom of the page. It is designed to help you visualize fee impact over time and determine the asset level at which switching models makes financial sense.

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Firm	CFP®	Fee	Complex ? Indicates if the firm handles corporate planning, trusts, cross-border issues, or advanced situations.	Website
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Last updated: 2026.02.26

▼ What's new? (Click to expand)

February 26, 2026: Added Poyner Financial to the directory.

February 25, 2026: Removed William D. Jack & Associates from the directory following their retirement.

February 23, 2026: Added a dynamic province filter to easily sort and find firms operating in your specific area.

February 22, 2026: Added CanPlan Financial to the directory.

February 14, 2026: Added Providential Financial Planning to the directory.

▼ Methodology, Verification & Disclaimers (Click to expand)

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 just an initial assessment or consultation. At a minimum, this cost reflects the delivery of a written client report that includes: retirement goals (encompassing a savings strategy, tax-optimized decumulation, and CPP/OAS planning), an asset allocation review, and year-by-year cash flow and net worth modeling projected until death. However, because financial planning roles are not standardized across Canada, variations in service scope may still exist. Users should note that the exact depth and deliverables of these "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 from every single firm's website. 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

Last Updated: February 26, 2026

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 / Fee-only Financial Planner master list.

3. Market Pricing Stats (Q1 2026)

Based on 46 verified firms (Standard Non-Complex Plan):

Lowest Fee: $800 (fPlan Advisory Inc.)
Median Fee: $2,500
Average Fee: $2,701
Highest Fee: $7,495 (Buxton Financial - Specialized)

4. Full Directory (46 Verified Firms)

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

									| Firm Name | Base Fee | Complex? |
									| :--- | :--- | :--- |
									| ABZ Financial Planning | $3,200 | No |
									| Aergo Financial Planning | $2,000 | Yes |
									| Alaphia | $4,995 | Yes |
									| Alberta Financial Planner | $3,250 | Yes |
									| Amani Financial | $2,000 | Yes |
									| Be Wealthy Financial Coaching | $1,995 | No |
									| Bespoke Financial Consulting Inc. | $3,500 | Yes |
									| Buxton Financial | $7,495 | Yes |
									| CanPlan Financial | $2,000 | Yes |
									| Clarity Personal Finance | $1,700 | Yes |
									| CNAL Financial Planning | $2,000 | Yes |
									| Divergent Financial Planning | $3,000 | Yes |
									| Duxbury & Associates | $1,250 | No |
									| Evans Retirement Planning | $1,700 | Yes |
									| Fair Winds Financial Coach | $1,800 | No |
									| Finovo | $2,450 | No |
									| Forest Financial Planning | $2,000 | Yes |
									| fPlan Advisory Inc. | $800 | No |
									| Kinridge | $2,500 | No |
									| Lorna Eastman & Associates Ltd. | $2,500 | Yes |
									| Merrick Financial | $3,450 | Yes |
									| Modern Cents | $3,500 | Yes |
									| Money Coach JM | $1,485 | Yes |
									| Money Coaches Canada | $3,000 | No |
									| Money Helps Financial Services | $2,500 | Yes |
									| New School of Finance | $2,205 | Yes |
									| Next Chapter | $2,900 | Yes |
									| Niagara Region Money Coaches | $1,485 | No |
									| Objective Financial Partners Inc. | $2,500 | Yes |
									| Panorama Financial Planning | $3,675 | Yes |
									| Papyrus Planning | $1,800 | No |
									| Parallel Wealth | $3,500 | Yes |
									| PlanEasy Inc. | $950 | No |
									| Poyner Financial | $4,500 | Yes |
									| Providential Financial Planning | $2,500 | Yes |
									| Rags to Reasonable | $2,750 | No |
									| Retirement in View | $2,500 | No |
									| Ripple Financial Planning | $1,800 | Yes |
									| Sandi Martin | $4,500 | No |
									| Spring Planning | $2,500 | Yes |
									| Stewart & Kett | $3,000 | Yes |
									| Tasman Financial Services | $3,000 | Yes |
									| The Dixon Davis Group | $4,020 | No |
									| Tulett, Matthews and Assoc. | $1,500 | Yes |
									| Vave Financial | $1,500 | Yes |
									| WD Development | $2,600 | Yes |

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: $2,500 (Base) charged Year 1 and every 3rd year thereafter. This assumption can be changed on the calculator.
- Annual Review Fee: $250 (Base) charged every year (optional). This assumption can be changed on the calculator.
- 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.