You Asked. We Loved It.

Some of the best conversations we’ve ever had started with a simple question.

Recently, a new client asked us a series of bold, thoughtful, and deeply honest questions. The kind that don’t usually make it onto the FAQ page — but absolutely should.

We believe everyone deserves real answers.

So here they are:

Why do you accept clients who aren’t already rich?

Because everyone starts somewhere, and we love working with HENRYs (Highly Energized Not Rich Yet). Debbie’s dad, Henry, was one of those stories. He came to Canada as an immigrant with big dreams and a strong work ethic. If an advisor had passed on him in his 20s because he wasn’t “wealthy enough,” they would have missed the chance to witness his journey — growing a business, building a life, and creating wealth over time.

We believe everyone has the potential to make their dreams come true. And we got into this business to help Canadians do just that. We’re here to walk with you as you build, grow, and live with intention… not just once you’ve “made it.”

Do wealthier clients get more time or better portfolios?

Nope. Every client is invested in the same high-quality pools… the difference is what you need your money to do for you, and when.

We use our Joy Bubbles strategy to allocate your investments based on timing: what’s needed now, what’s needed soon, and what’s meant for the long term.

We partner with Value Partners Investments because we trust their process, we know their portfolio managers personally, and we value their transparency. They keep us informed and focused, and they’re as committed to education and alignment as we are.

Are your fees standard or competitive?

Our fees are competitive, but the real value isn’t in the percentage, it’s in the planning.

You’re not paying for a portfolio alone. You’re paying for guidance, strategy, accountability, and a team that’s here through every season. If you ever want clarity on how we’re paid, just ask, we welcome the conversation.

What if I want to end our working relationship?

This is a great question, and we’re so glad you asked.

We want you to be with an advisor who feels like the right fit. If at any point that’s not us, we’ll fully support your decision to move on. Your new advisor would initiate the transfer of your accounts, there is a fee, but most advisors will cover that cost for you.

All you’d need to do is provide them with a recent statement of your accounts, they’ll take it from there. We’ll make sure the transition is smooth, respectful, and on your terms.

What does “access to my money” really mean?

It means liquidity, and never feeling stuck.

Our cash flow strategy is built so your short-term money is actually working for you, not just sitting in a bank account making nothing.

We encourage clients to think of their investment account as an extension of their bank account. For example, if you know you’ll need access to funds in 6 months, we’ll place that amount in the Enjoy Bubble, a high-interest savings pool.

When the time comes, we simply place a withdrawal request, and the funds are typically in your bank account within a few days.

Is now a bad time to start working with an advisor?

Not at all… in fact, now might be the perfect time.

We love helping clients reframe how they see volatility: it’s not something to fear, it’s a feature, not a flaw. Volatility creates opportunities… who doesn’t love a sale?

There are plenty of promising openings in today’s global market, especially when you’re investing intentionally. We work closely with the team at Value Partners Investments, their managers handle the day-to-day trading so we can stay focused on you: your big picture, your values, and your plan for a joyful life.

Working with an advisor isn’t about timing the market, it’s about building something sustainable that can weather any season.

Got your own burning questions?

We hope so! Because the more you ask, the better your plan becomes.