Advice-only planners who provide personalized, ongoing & unbiased financial advice to help Canadians define and achieve their own version of financial success.
Vancouver, BC/ Canada
Joined April 2011
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CPP can provide a significant portion of a Canadian retiree's income. Many take it as soon as they are eligible, but there can be *substantial* benefits to waiting.
In our October blog post we explore the important question: When Should I Take CPP?
moneycoachescanada.ca/blog/w…
The question on every near retiree's mind - how much do I need to retire, especially if I won't have a pension from my employer?
It's complicated, but Janet Gray, CFP® helps us think through the myriad of factors that will affect the answer.
neofinancial.com/the-get/how…
Retirees often worry about the impact that "expense shocks" will have on their retirement plans.
Barbara Knoblach, CFP® helps clients properly plan ahead and "test drive" retirement spending to see if it's sustainable and can handle the unexpected.
theglobeandmail.com/investin…
Financial planning is about more than number crunching. It's helping our clients recognize and face their challenges - financial and otherwise - so they can live the life they want with confidence.
We share two real but very different client stories.
moneycoachescanada.ca/blog/f…
Are you earning a good income, but still feel like you aren't where you think you should be financially?
It's not uncommon.
Christine White, CFP®, highlights 5 misconceptions about money that are likely keeping even higher income earners stuck.
moneycoachescanada.ca/blog/i…
Back-to-school time is fast approaching, and with it the many expenses of preparing the kids for a new school year.
Janet Gray, CFP® offers advice and tips on how to prepare for and mitigate that hefty back-to-school bill.
omny.fm/shows/580-cfra/back-…
Getting started with saving and investing can be daunting.
Janet Gray, CFP® highlights some low-cost options - with the caveat that low-cost means limited or no advice or support is included.
Such options pair well with an advice-only financial planner.
youtube.com/watch?v=TVfLGcKW…
A historic transfer of wealth to women is underway and financial advisors must adapt to serve decision-makers who may have different priorities than before.
Joanna Schultz, CSOO of Money Coaches Canada, explains in our latest blog post.
moneycoachescanada.ca/blog/a…
Have high gas, insurance, and vehicle prices got you dreaming of a life free of car-related expenses?
Janet Gray, CFP® shares some important factors to consider before ditching your current vehicle, and smart things to do with the money freed up.
timescolonist.com/national-b…
A loved one's passing is traumatic enough without dealing with the complications of poor or incomplete planning.
Karin Mizgala, CFP®, CEO of Money Coaches Canada, shares her family's experience and highlights 5 common estate planning mistakes to avoid.
moneycoachescanada.ca/blog/t…
When to start taking one's CPP and OAS is among the biggest and most impactful decisions a near retiree must make.
Janet Gray, CFP® guides you through these important decisions taking into account your health, finances, and priorities.
heyzine.com/flip-book/ottmar…
Much like physical wellness, financial wellness requires a degree of financial strength, flexibility, and resilience.
Janet Gray, CFP® shows you the benefits of having a Financial Wellness Team and how to build the right team for you.
heyzine.com/flip-book/ottawa…
In Episode 10 of Hey Money, Get a Life!, Jodie is joined by Shulamit Ber Levtov, aka the Entrepreneur's Therapist.
Shula shares practical strategies for emotional resilience, understanding money trauma, and building sustainable business success.
buzzsprout.com/2537717/episo…
The Canadian government's Early Retirement Incentive (ERI) program is open for applications, but does it make sense for you?
Janey Gray, CFP® walks through some important considerations that go well beyond the numbers.
moneycoachescanada.ca/blog/i…
Many Canadians invest in income properties as part of their retirement plan. The question is, how best to turn those assets into retirement income?
Steve Bridge, CFP® advises a retired couple how to drawdown their real estate portfolio tax efficiently.
theglobeandmail.com/investin…
In Episode 9 of Hey Money, Get a Life!, Jodie chats with Elianna Friedman, a family feeding coach and trained chef.
Their discussion includes practical strategies for maximizing one's food dollars, reducing waste, eating healthily, and food psychology.
buzzsprout.com/2537717/episo…
A 2026 BMO survey found that Canadians think they need an average of $1.7 million to retire.
How legit is that? Janet Gray, CFP® breaks down several common sources of retirement income and why that figure is likely overblown.
ctvnews.ca/ottawa/video/2026…
It's tax time again! With proper preparation you can minimize your tax filing stress and maximize your refund.
Here are 5 tips to help make filing your taxes easier, and a few 2025 tax changes to keep in mind.
moneycoachescanada.ca/blog/5…
In Episode 8 of Hey Money, Get a Life!, Jodie chats with returning guest Daniel Evans, CFP® about the small (in Canada) but growing advice-only planning segment, how it differs from the commission-based model, some challenges, and how clients benefit.
buzzsprout.com/2537717/episo…
The decade before retirement can be some of the most financially stressful: preparing to hang up the day job, tackling a mortgage, and helping young adults get a good start.
Janet Gray, CFP®, advises a near-retirement widower with a lot on his plate.
financialpost.com/personal-f…
