Advice-only financial planning
Advice-only financial planning for young Canadians who are still building — so you can pay down debt, invest with confidence, and stop feeling overwhelmed with your finances.
As seen in
CBC News Network
Toronto Star
The Globe and MailMaria helps Gen Z and Millennial Canadians build a financial life on their own terms — from the relief of debt with a finish line to the confidence of a future they've actually chosen.
The cost of waiting
Without a real plan, the early years — the ones where small decisions add up the most — drift by. You keep throwing money at debt, keep guessing on investments, and keep trying to move forward without a clear sense of where you’re going.
You wake up later in the same place, just older.
FINANCIAL PLANNING
BUILT FOR YOUR 20s AND 30s
A free 30-minute conversation. We see if we're a fit — no pressure, no pitch.
You share the numbers and the goals. I organize everything into one clear picture.
We build it together around your goals and the future you actually want, in language you can understand.
Implementation help, accountability support, check-ins, and answers when life shifts. You're not on your own.
About Maria
My husband and I learned about money the hard way. We met with a financial advisor whose commissions, it turned out, were ahead of our goals. We ended up in high-fee funds and insurance we didn’t need.
I started this practice because I wanted to be the planner I wish we’d had the first time: someone whose only job is to be on your side. I’m a Qualified Associate Financial Planner™ professional (QAFP®), with a code of ethics that puts your best interests first.
Before this, I spent 10+ years as a high school teacher — and teaching is still at the heart of how I work.
As a parent of two, I also keep things simple, because there are more important things in your day than market returns.
The Transformation
You know what you own and why. You know what’s next. The debt has a finish line. Your partner is in the conversation, not on the sidelines. Money stops being the thing you don’t think about because thinking about it feels overwhelming — and starts being the thing you’ve actually got handled.
Imagine a future where…
You make financial choices with absolute confidence.
No more sidelines — you and your partner are fully in the conversation, working towards the same goals.
You can finally see the finish line.
You stop hiding from your bank accounts because you finally have a roadmap that works for your life.
Holistic, in plain language
Tailored to your milestones, not your parents' retirement date or someone else's goals.
Navigating merging finances with a partner, moving out on your own, managing day to day cashflow, achieving your savings goal, and paying off debt.
Protecting you and your family against financial loss. We'll review what you currently have, what you need, and what you don't.
Ensuring that you have an estate plan in place that addresses your wishes, the guardianship of your children, and your financial affairs.
Maximizing your take-home pay and access to available government benefits.
Defining what freedom looks like rather than just waiting until age 65.
Providing clarity through the overwhelm to help you move away from expensive mutual funds at the big banks to building a portfolio that works for you.
After working with Maria, I know that if nothing changes, I can have a comfortable retirement—and that knowledge has empowered me to create something even better.
I now have a regular investing practice, my end-of-life documents are in place, and I feel far more confident about my financial decisions and future planning.
It has been a delight to work with Maria, and I fully intend to continue doing so.
L. L.
Maria is thorough and generous with her work. She created a financial plan based on my current financial position, while also reflecting my hopes and goals for the future.
She even went above and beyond by helping me research investment options that aligned with my religious beliefs. I really appreciated that!
Maria genuinely wants to help you become financially secure and well prepared for retirement, so you can enjoy it without money worries!
You'll be way ahead by hiring Maria. Don't wait.
Z. S.
Our household includes two individuals with very different levels of financial literacy. One of us has a strong understanding of financial concepts and had previously done independent research and preliminary planning, while the other has very limited financial knowledge.
Maria skillfully bridged this gap by fine tuning existing ideas into a cohesive, well structured financial plan, while also presenting all information in a way that was clear, approachable, and inclusive.
She ensured that both of us fully understood the recommendations and were actively involved in informed decision making.
E. & K. W.
Ready when you are
No judgment. No asset minimums. No product pitches. Just clear, honest Canadian financial planning built around your life.
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