Holistic Financial Planning
Financial Planning for Professional Millennials
Objective, advice-only financial planning to help professional millennials invest wisely, reduce stress, and design a life they love
Build Wealth with Confidence as Your Career Grows
Cash Flow & Lifestyle Design
Create a spending plan that funds what matters most whether it's travel, home ownership, or family, while still saving and investing for your future.
Investing & Wealth Building
Develop a smart, evidence-based investment strategy that fits your goals, risk tolerance, and time horizon whether through ETFs, employer stock plans, or a diversified portfolio.
Tax & Career Optimization
Make the most of your growing income with strategic use of RRSPs, TFSAs, and employer benefits. Plan confidently for bonuses, promotions, or career transitions.
From Career Success to Financial Clarity
You’ve built momentum in your career. Now it’s time to build a plan for your future.
As a professional in your 30s or 40s, life moves fast — promotions, real estate decisions, family planning, investments, maybe even starting a business. But with higher income often comes more complexity: multiple accounts, stock options, competing goals, and limited time to figure it all out.
At FutureSet Financial, I help Toronto’s professional millennials turn financial chaos into clarity. You’ll gain a personalized plan that fits your lifestyle today and sets you up for long-term success.
Why Professional Millennials Need a Different Kind of Financial Plan
You’re not your parents’ generation. Your finances are more dynamic. You might be:
Building equity through employer stock options or RSUs
Balancing mortgage payments with travel, childcare, or lifestyle goals
Wondering how to invest beyond your RRSP or TFSA
Considering a career change, parental leave, or entrepreneurship
Wanting to “do well” financially without compromising your values
Traditional advisors often focus on selling products. Our fee-only, advice-only approach means there’s no sales agenda. We offer transparent, objective guidance that helps you make smarter choices.
What We’ll Cover
Your financial plan is designed around your real life, not a generic formula. Together, we’ll work through:
Goal Clarity
Defining what “success” means for you, whether it’s buying your next home, achieving work-life balance, or becoming financially independent.
Cash Flow & Lifestyle Design
Building a spending and saving plan that funds what matters most without feeling restrictive.
Investment Strategy
Developing a smart, evidence-based portfolio that matches your goals, risk tolerance, and timeline — from ETFs to employer stock options.
Tax Optimization
Structuring your accounts (RRSP, TFSA, non-registered, corporate) to minimize taxes and maximize after-tax growth.
Career & Life Transitions
Navigating promotions, parental leave, career changes, or business launches with confidence.
Long-Term Wealth Building
Creating systems for retirement readiness, future family needs, and financial independence.
