Fee-only fiduciary · CFP® & CFA charterholders · No commissions · No product sales
Meridian Wealth Financial Advisor Book consultation
Fee-only · Fiduciary · Toronto & Ontario

Plan your wealth with clarity.

Independent financial planning for professionals, pre-retirees, and business owners — retirement, tax optimization, and estate strategies aligned to your life goals.

$420M Assets advised
22yr Combined experience
180+ Client families
Complimentary consultation Our approach
1

Foundation

Cash flow, debt strategy, emergency fund, and risk protection.

2

Growth

Tax-efficient investing, RRSP/TFSA optimization, and wealth accumulation.

3

Preservation

Pre-retirement planning, income drawdown, and portfolio de-risking.

4

Legacy

Estate planning, charitable giving, and generational wealth transfer.

Your wealth roadmap

How we work together — from first call to ongoing stewardship

1

Discovery call

30 minutes — understand your goals, timeline, and current financial picture. No obligation.

2

Financial plan

Comprehensive written plan covering retirement projections, tax strategy, and investment allocation.

3

Implementation

Account setup, portfolio construction, insurance review, and coordination with your accountant & lawyer.

4

Ongoing stewardship

Quarterly reviews, annual plan updates, and proactive adjustments as life and markets change.

Start at step one — book your complimentary discovery call below.

Book your discovery call

30-minute complimentary consultation. We'll review your situation and determine if we're the right fit — no pressure, no product pitch.

Goal assessment Retirement snapshot Fee transparency No obligation
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Financial Advisory

Meridian Wealth

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Service

Financial Advisory

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Financial Planning

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What we advise on

Comprehensive wealth management

Retirement planning

CPP/OAS optimization, RRIF drawdown, and income sustainability modelling

Core

Investment management

Evidence-based portfolios, asset allocation, and rebalancing discipline

Core

Tax planning

RRSP/TFSA/FHSA strategy, corporate integration, and withdrawal sequencing

Core

Estate & legacy

Will & trust coordination, beneficiary review, and charitable giving strategies

Included

Insurance review

Life, disability, and critical illness needs analysis — independent, no commissions

Included

Business owner planning

Holdco/OpCo structure, succession, and exit planning coordination

Specialty
✓ CFP® Certified ✓ CFA Charterholder ✓ Fee-Only Fiduciary ✓ IIROC / MFDA Registered ✓ $420M+ AUA

Client outcome

Early retirement at 58 — with confidence

A couple in their early 50s wanted to retire before 60 without sacrificing lifestyle. We modelled three scenarios, optimized their RRSP/RRIF strategy, and built a tax-efficient drawdown plan that let them retire at 58 with 94% income replacement.

58 Retirement age
94% Income replaced
−28% Tax vs. default plan
Financial advisor reviewing retirement plan with clients
"For the first time we understand exactly where we stand for retirement. No jargon, no product push — just a clear plan and someone who picks up the phone when markets get volatile."
— David & Margaret L., Toronto · Clients since 2019

Pre-retirees & retirees

  • 5–15 years from retirement
  • Recently retired, seeking drawdown strategy
  • $500K+ investable assets
  • Want income certainty and tax efficiency

Professionals & business owners

  • Incorporated professionals (MD, lawyer, engineer)
  • Business succession or exit planning
  • Corporate investment accounts & holdcos
  • Complex compensation & stock options
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