Maria Smith Financial Planning — Contact & Pricing

Advice-only, fee-only financial planning for young Canadians. Serving clients across Canada — based in Edmonton, Alberta.

Email: hello@mariasmithfinancialplanning.com. Book a free 30-minute clarity call: tidycal.com booking link.

Pricing

Single client: CAD $1,500 flat, one-time — comprehensive financial plan plus one year of implementation support.
Couple: CAD $1,800 flat, one-time — comprehensive plan plus one year of implementation support for partners.
Ongoing support after year one (optional, renewable, cancel anytime): $750/year single, $900/year couple.
Free 30-minute clarity call, no pitch, no pressure.

No commissions, no product sales, no asset minimums. QAFP® Professional.

Financial Fragility Score

How resilient is your money?

Wealth tells you how much you have. Resilience tells you what happens when life throws a curveball — a job loss, a rate hike at renewal, a surprise $2,000 repair. Answer a few questions to get your 0–100 score, then play with the numbers to see what would move the needle.

Disclaimer: This calculator is for general education only. It is not personal financial advice and does not create a planner–client relationship between you and Maria Smith. The numbers you enter do not have to be exact, ballpark estimates are sufficient. The numbers you enter are not stored or tied to your email, and your email address stays between us. For advice tailored to your situation, please book a clarity call and engage Maria as your planner in writing.

Your numbers (monthly, household)

Monthly take-home incomeAfter tax, both partners combined.

Monthly essential spendingMortgage/rent, food, utilities, transport, minimum debt payments.

Total monthly debt paymentsMortgage + car loans + lines of credit + other loans.

Cash & emergency savingsMoney you could access in 30 days without a credit card or taking on more debt.

Mortgage balanceCurrent balance. Enter 0 if no mortgage.

Years remaining on mortgageAmortization left. We compare your payment at 4.4% (current qualifying assumption) vs 6.4% (+2% stress test).

yrs

If one income disappeared, is your debt covered by any of the following (check all that apply)

Critical illness insuranceLife insurance (not mortgage insurance)Disability insurance

0–30 Critical31–60 Fragile61–85 Approaching86–100 Resilient

Your score is ready

Enter your email to see your Financial Fragility Score.

You’ll see your 0–100 score and a breakdown across six resilience pillars — then you can tweak the numbers as many times as you want.