Advice-Only Financial Planning for Canadians
Peace of mind through informed, objective advice.
My name’s Steven Arnott, and I’m an advice-only financial planner with Ripple Financial Planning. We create simple and actionable financial plans to help you live the life you want. We’ll discuss your options and support you on the best path for your goals. We offer two tiers of service to best meet your unique needs.
Review and Recommendations
$800
A discussion to understand you and your goals
Answers to your most pressing questions
Recommendations to help you progress
Examples:
A review of your current investments
Help making a major financial decision
Creating a savings plan to reach a goal
Custom Financial Plan
$1,800 for an individual
$2,200 for a combined household
$500 to add a corporation
A discussion to understand you and your goals
Answers to your most pressing questions
Recommendations to help you progress
A written financial plan
Support implementing your plan
Examples:
You’re not sure where to start with your finances
You recently started a family
You started a new job
To find out which option is right for you, please schedule a free 30-minute consultation call or connect with us by email below.
I help people across Canada navigate financial decisions around:
Saving
Investing
Debt
Taxes
Insurance and more
Questions often include:
Should we pay down debt or invest?
How can I save more money?
Can we afford to purchase a house, and how much can we afford?
How much do I need to save for retirement?
Do I have the right type and amount of insurance?
How should I save for my kid’s education?
How can I invest in companies that align with my values?
Answering these questions correctly for your unique situation will provide confidence and peace of mind.
There are also ways to lower fees and taxes to maximize how much you have for your goals.
You don’t need a high income or significant savings to benefit from a financial plan. Many of the opportunities are meant for low- to middle-income Canadians who are in their early- to mid-career.
As an advice-only financial planner, I don’t sell any products. I make recommendations that are in your best interest and work with you to follow through.
My background and experience.
I’ve worked in the financial services industry in Canada since 2013 and have gained valuable experience through courses, training and working directly with clients. Along the way, I’ve:
completed licensing exams through the Canadian Securities Institute;
earned the Chartered Financial Analyst (CFA) designation;
earned the Certified Financial Planner (CFP) designation;
published The Snowman’s Guide to Personal Finance, an introduction to managing money for Canadians;
helped thousands of Canadians to understand their finances better.
There’s a Q&A with Kari from Money in Your Tea that provides background on how I approach money and life. You can also check out a 30-minute podcast I did with Tom from MapleMoney where I share my thoughts on personal finance and living a fulfilling life.
Sample services.
The following examples show how we can work together to get the most from your money.
Review and Recommendations ($800) is best if you:
1. Need a review of your current investments
Minimize the fees you pay
Compare your performance to alternatives
Ensure you’re taking the right level of risk
2. Want help making a major financial decision (e.g., whether to buy a home, whether to go back to school)
Analysis of the costs and benefits
Simple to understand options
Actionable steps for your chosen path
3. Need a savings plan to get out of debt or to another goal
Prioritized spending
Actionable steps to get you there faster
Automation to simplify the process
Custom Financial Plan ($1,800 to $2,700) is best if you:
1. Aren’t sure where to start with your finances
Discuss your goals and priorities
Understand your options
Clear path to get you where you want
2. Recently started a family
Review your current finances
Understand new opportunities and needs
Support implementing your plan
3. Started a new job
Minimize taxes and fees
Understand your new opportunities
Set yourself up for success
We’ll work together to create a financial plan that considers your goals, priorities, current situation and more. We’ll ensure you’re comfortable with the plan and can follow through on each step.
Next steps
If you’re facing one of the questions mentioned above or would like to discuss your current situation to understand how we can work together, I’d love to hear from you. Please send me a note below, and I’ll get back to you within a day to schedule a free consultation.
Alternatively, please feel free to book a free 30-minute consultation call.