How I work
A clear and thoughtful approach
Good guidance is built on two things: a sound order of priorities, and a relationship that gives you room to understand every decision. Here’s how both work.
The stewardship pyramid
Why the order matters
Many people focus on investing before securing their foundation. But without protection, everything built above it is at risk. A single illness, accident or loss can undo years of careful saving.
So I build from the bottom up. Each level supports the one above it, and together they create stability, growth, and lasting impact.
Four levels
What we look at together
Protection
Before we talk about growth, I make sure your family and your plans are protected.
- A current will
- Continuing Power of Attorney for Property and Power of Attorney for Personal Care
- Your wishes for medical care (advance care planning)
- Life insurance sized to your real needs
- Critical illness and disability coverage
- An emergency fund
“The prudent sees danger and hides himself” Proverbs 22:3 ESV
Stability
Clarity on where your money goes, and a steady plan for debt, so you have margin to breathe.
- A cash-flow rhythm that fits real life
- A clear order for paying down debt
- Healthy communication about money at home
- Room for generosity in the budget
“The borrower is the slave of the lender” Proverbs 22:7 ESV
Growth
Saving consistently and investing with purpose, patience and discipline.
- Saving habits that last
- Using TFSAs, RRSPs, RESPs and FHSAs wisely
- Investments matched to your time horizon and comfort with risk
- Keeping costs and taxes in view
“The plans of the diligent lead surely to abundance” Proverbs 21:5 ESV
Legacy
Passing on values as well as assets, thoughtfully and on purpose.
- Estate strategy and beneficiary designations
- Wealth transfer to the next generation
- Charitable giving that reflects your values
- Family conversations about money and meaning
“A good man leaves an inheritance to his children’s children” Proverbs 13:22 ESV
The relationship
A relationship, not a transaction
Whether we meet once or work together for decades, the process is the same: unhurried, transparent, and centred on you.
Listen
Understand your life, values, and priorities.
Educate
Explain your options clearly, in plain language.
Guide
Help you make informed decisions with confidence.
Walk With You
Ongoing support as life and seasons change.
1. Listen
We start with an unhurried, no-obligation conversation about your life, your values, your priorities and your concerns. I ask questions; you do most of the talking.
2. Educate
I explain your options in plain language: what each one does, what it costs, and the trade-offs involved. You’ll never be asked to decide something you don’t understand.
3. Guide
Together we put clear recommendations in writing and decide what to act on, and when. You stay in control of every decision.
4. Walk With You
Life changes: new children, new jobs, a business sale, retirement. We check in regularly, at a rhythm that suits you, and adjust as seasons change.
Your first conversation
What to expect
The first conversation is simply a chance to get to know each other. There’s nothing to prepare and nothing to sign.
- 01
Before
Book a time that works for you. If you like, share a few words about what’s on your mind.
- 02
During
We talk about where you are, where you’d like to go, and what matters most. I’ll explain how I work and answer your questions.
- 03
After
If it seems like a good fit, I’ll outline sensible next steps. If not, I’ll point you in a helpful direction. Either way, no pressure.
Transparency
How I’m compensated
You deserve to know how your advisor is paid before you make any decision. Depending on what you need, I am paid through commissions from the insurance companies whose products you choose, a fee for service agreed with you in writing in advance, or a combination of both. I will always explain exactly how I am paid before you make any decision. You can read the details in my Regulatory Disclosures.
Questions
Common questions
Do I need a certain amount of money to work with you?
No. I work with people at many stages, from young families building their first budget to business owners and retirees. What matters most is a willingness to think long-term and to build a relationship.
Is the first conversation really no-obligation?
Yes. It’s a chance to get to know each other and see whether working together makes sense. You won’t be asked to buy anything.
Do you only work with Christians?
I welcome anyone who values thoughtful, principle-based guidance. My faith shapes how I serve, with honesty, patience and generosity, but you’re never expected to share it.
How do we meet?
Whichever suits you best: in person, by video or by phone. I work with clients across Waterloo Region and throughout Ontario.
Will you work with my accountant or lawyer?
Gladly. Good outcomes usually involve a team. I’m happy to coordinate with your accountant, lawyer or other professionals, with your permission.
Let’s talk
Let’s start with a conversation
An unhurried, no-obligation conversation about where you are, where you’d like to go, and whether we’re a good fit. No pressure, just clarity.
Call: 226-739-9511Email: [email protected]
