Guides
Plain answers to the questions people ask me most
These guides cover the questions I am asked most often. They remain general and may not fit your own situation exactly, so the best next step is to talk it through together.
Buying your home with a mortgage: the sensible long-term investment
Why borrowing to buy your own home works in your favour over time, how far to go, and how downsizing at retirement frees up capital.
What you really pay in investment fees
The different layers of fees on an investment, how much they cost over 20 years, and the questions to ask before you sign.
Where to keep your money, depending on when you will need it
An emergency fund, short-term projects, the tricky two-to-five-year zone and long-term savings: matching each sum to its time horizon.
The first two steps: a budget and a net worth statement
How to build a simple budget and a net worth statement, including when your assets are spread over several countries.
Accountant, notary, tax lawyer: the role of an independent financial planner
Who does what when you have assets in two countries, and why someone needs to coordinate the whole picture.
TFSA, RRSP or FHSA: where to save in your first years in Canada
How contribution room works when you arrive in Canada from abroad, and a sensible order for using each account.
Getting in touch
The simplest way is to describe your situation in a few lines using the contact form. I read every message myself and reply within two business days, telling you which service seems right for you and what it costs. You can also write to me directly if you prefer.