Holistic Financial Planning

Fee-Only, Advice-Only Planning

Holistic financial planning that connects today’s decisions with tomorrow’s goals without product sales or commissions

Let's Chat

Why fee-only, advice-only planning matters

Unbiased Advice

With no commissions or product sales, every recommendation is built around your goals while remaining unbiased and transparent.

white vehicle on road in aerial photography

A Clear Roadmap

Get a personalized financial plan that organizes your cash flow, savings, debt, and investments so you know exactly where you stand and what comes next.

woman in black tank top sitting on chair

Plans Built for Real Life

From career changes, market shifts, or big life decisions, your plan adjusts as life evolves, keeping you on track with confidence.

What does fee-only, advice-only mean?

Most Canadians are used to getting financial “advice” from people who are actually selling products and not advice. That’s where fee-only, advice-only financial planning is different.

At FutureSet Financial, you pay a transparent flat fee for professional advice. We don’t sell investments, insurance, or financial products of any kind and we don’t earn commissions or referral fees. That means every recommendation we make is designed for one purpose which is to serve you.

low-angle photography of four high-rise buildings

How fee-only, advice-only planning compares

Traditional Advisors

Fee-Only,
Advice-Only Planning

How They’re Paid

May be incentivized to sell investment or insurance products

No product sales and recommendations are 100% objective

Who They Work For

The financial institution or product provider

The financial institution or product provider

Type of Advice

The financial institution or product provider

The financial institution or product provider

Focus of the Relationship

Selling and managing investments

None, we don’t sell products or take commissions

Transparency

Fees often hidden in products

100% clear and disclosed before we start

Minimums

Often require large investment accounts

Accessible, based on complexity, not wealth

Outcome for You

Partial advice that benefits their firm

A clear, actionable plan designed around your goals

The FutureSet Difference

When your financial planner’s only source of income is you, their incentives are perfectly aligned with your success.

This model creates:

Transparency so you always know what you’re paying for

Trust that there are no hidden conflicts or sales quotas

Clarity with objective advice focused on what actually moves you forward

Unlike many large firms or bank advisors, FutureSet Financial was built from day one to operate this way by being independent, transparent, and focused on real planning over product sales.

We follow FP Canada’s professional standards, ensuring every recommendation meets the highest ethical and fiduciary expectations.