Holistic Financial Planning

Build your future with financial clarity

Independent, fee-only financial advice for families and young professionals across Greater Toronto

Online or In-Person

Let's Chat

We work for you

What is fee-only financial planning?

At FutureSet Financial, fee-only means we’re paid only by you, never by commissions or product sales. No hidden fees. No management expenses. Just honest, personalized advice focused on your goals.

As a fiduciary, I work solely for you, taking a holistic view of your finances, from managing debt and building savings to navigating career changes and planning major milestones. My job is to help you make confident, informed decisions every step of the way.

We work for you

What is fee-only financial planning?

Benefits

Is financial planning right for me?

People in all sorts of situations can benefit from personal financial planning. Here are examples of questions that we can answer together:

"I want to manage my own investments but need a second opinion"
"I feel overwhelmed and don't know where to start"
"How much of a house can we afford?"
"I don't know if I'm on the right track of retiring when I want to"
"We're expecting our first child! What should I plan for?"
"What’s the best way to get rid of my student debt?"

You don’t need a certain income, a perfectly organized budget, or an investment portfolio to work with a financial planner. There’s no judgment here, just clear guidance and a plan that fits your life. Whether you're just getting started, already building momentum, or feeling behind, I’m here to meet you where you are.

Let’s Talk About You

Is financial planning right for me?

People in all sorts of situations can benefit from personal financial planning. Here are examples of questions that we can answer together:

"I want to manage my own investments but need a second opinion"
"I feel overwhelmed and don't know where to start"
"How much of a house can we afford?"
"I don't know if I'm on the right track of retiring when I want to"
"We're expecting our first child! What should I plan for?"
"What’s the best way to get rid of my student debt?"

My Journey

About me

👋 Welcome! I'm Tim, and I founded FutureSet Financial to guide young professionals and growing families through their unique financial journeys. My mission is to bring clarity, confidence, and purpose to your financial life, helping you navigate significant milestones with foresight.

After a decade in startups and tech consulting, I decided to embark on a career in financial planning after the birth of my second child. This was the moment I knew it was time to reshape my career around flexibility, meaningful work, and the priorities that matter most.

Now, I work one-on-one with individuals and families to turn their goals into actionable plans, reduce financial stress, and give them more freedom to focus on the people and experiences that matter most.

If you’re looking for clear guidance, open conversation, and a plan that works for your life, I’d love to work with you.

The Process

What does a FutureSet Financial engagement look like?

1
Discovery and information gathering
- First let's get to know each other! I want to understand your values, priorities, and what “financial peace of mind” looks like to you
  First let's get to know each other! I'll want to understand your values, priorities, and what “financial peace of mind” looks like to you
- Define and clarify your financial objectives
  Define your financial objectives but don't worry if you don't have any yet. We will clarify them together.
- Compile your financial information to understand your current situation
2
Analysis
- Review your net worth, cash flow, and debt levels to see how your money is working for you right now
- Test different “what if” scenarios (e.g. buying a home, taking parental leave, or retiring early) to see what’s feasible and what trade-offs may exist
  Identify any financial risks and vulnerabilities
- Assess your investment accounts for tax efficiency and alignment with your goals and risk tolerance
3
Design your personalized plan
Design your personalized plan
Designing your plan
- Build a step-by-step strategy that covers investing, saving, tax planning
  Build a step-by-step strategy that covers saving, investing, and tax planning
- Test different “what if” scenarios (e.g. buying a home, taking parental leave, or retiring early) to see what’s feasible and what trade-offs may exist
- Guidance on RESP, TFSA, RRSP decisions and how to balance multiple goals
  Provide guidance on TFSA, RRSP, RESP decisions and how to balance multiple goals
4
Reviewing and refining the plan
Reviewing and refining the plan
Reviewing and refining the plan
- Show the “why” behind each recommendation
- Invite your feedback and make changes until the plan feels clear and motivating
- Confirm feasibility by making sure the plan is realistic and actionable
5
Taking action
- Put your plan into motion including opening new TFSAs, adjusting your RRSP contributions, rebalancing your portfolio, or updating insurance
- Coordinate with your other professionals (accountant, lawyer, mortgage broker) to make sure everything works together
- Set clear timelines for each step so you always know what’s next

Investing in Your Future

Pricing

Comprehensive Financial Plan

Recommended

$900

+ $300 for couples

Includes:

Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations

Comprehensive Financial Plan

Recommended

$900

+ $300 for couples

Includes:

Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations

Comprehensive Financial Plan

Recommended

$900

+ $300 for couples

Includes:

Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations

FAQ

Have questions?

How is your approach different from a bank advisor or investment manager?

As a fee-only fiduciary, I'm compensated directly by you, eliminating conflicts of interest and ensuring my advice is always in your best financial interest. Unlike bank advisors or investment managers who often sell proprietary products, I offer comprehensive, holistic financial planning tailored to your unique circumstances and goals.

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

To see if we'd be a good fit, let's chat! Please schedule a free 30-minute initial consultation with me. It'll be a relaxed opportunity for us to get to know each other, understand your unique financial situation, and explore your needs without any obligation.

How is your approach different from a bank advisor or investment manager?

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

FAQ

Have questions?

How is your approach different from a bank advisor or investment manager?

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

Contact me

Contact Me

Let's chat!

Ready to book your free 30-minute initial consultation? Click to schedule it here.

Have questions first? Fill out this form to send me a quick message and I’ll get back to you personally.

Build your future with financial clarity

What is fee-only financial planning?

What is fee-only financial planning?

Is financial planning right for me?

Is financial planning right for me?

About me

What does a FutureSet Financial engagement look like?

Discovery and information gathering

Analysis

Design your personalized plan

Design your personalized plan

Designing your plan

Reviewing and refining the plan

Reviewing and refining the plan

Reviewing and refining the plan

Taking action

Pricing

Comprehensive Financial Plan

$900

Comprehensive Financial Plan

$900

Comprehensive Financial Plan

$900

Have questions?

How is your approach different from a bank advisor or investment manager?

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

How is your approach different from a bank advisor or investment manager?

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

Have questions?

How is your approach different from a bank advisor or investment manager?

How long does an engagement take?

Can I work with you if I don’t have a high income or large portfolio?

How do I get started?

Let's chat!