Holistic Financial Planning

Family Financial Planning

Plan ahead for parental leave, childcare costs, and government benefits so your family can thrive without financial stress

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Let's Chat

Let's Chat

Plan with Confidence as Your Family Grows

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Income & Leave Planning

Understand how EI benefits, savings, and employer top-ups fit into your family budget

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Childcare & Education Costs

From monthly childcare bills to RESP savings, we’ll help you stay on track

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Protecting Your Family’s Future

Ensure your family is covered with the right mix of savings, insurance, and long-term planning

Excited About Growing Your Family?
Wondering How It All Fits Financially?

You’re not alone.


Starting or growing a family is one of life’s biggest milestones but it also comes with big financial questions:

  • How will we manage on a reduced income?

  • Which government benefits can we rely on and how much will they actually cover?

  • What happens when expensive daycare bills start?

  • How do we keep saving for long-term goals while raising children right now?


For many Toronto families, the joy of welcoming a child is mixed with anxiety about money. Without a clear plan, it can feel like you’re making guesses instead of confident decisions.


We help you anticipate the financial impact of every stage, from preparing for parental leave to managing daycare costs, education savings, and future family goals.

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How We Help

At FutureSet Financial, we make sure money doesn’t add unnecessary stress to one of the most important chapters of your life.


Here’s how we support families preparing for parental leave and beyond:


  • Parental Leave Income Planning
    We’ll map out how much income to expect during leave, including EI maternity and parental benefits, employer top-ups, and your own savings — so you know exactly what you can count on each month.

  • Government Benefits Optimization
    From the Canada Child Benefit (CCB) to Ontario Child Benefit and childcare subsidies, we’ll help you understand what you qualify for and how to maximize the support available.

  • Childcare & Education Costs
    Whether it’s planning for daycare or starting an RESP for your child’s future, we’ll build these costs into a budget you can actually stick with.

  • Balancing Career & Finances
    Whether one parent is taking extended leave, returning part-time, or making a career shift, we’ll help you weigh the trade-offs and plan with confidence.

  • Protection for What Matters Most
    We’ll review your life, disability, and critical illness insurance to make sure your family is covered through every stage.