Holistic Financial Planning
Build your future with financial clarity
Independent, fee-only financial advice for families and young professionals across Greater Toronto
Online or In-Person
We work for you
What is fee-only financial planning?
At FutureSet Financial, fee-only means we’re paid only by you, never by commissions or product sales. No hidden fees. No management expenses. Just honest, personalized advice focused on your goals.
As a fiduciary, I work solely for you, taking a holistic view of your finances, from managing debt and building savings to navigating career changes and planning major milestones. My job is to help you make confident, informed decisions every step of the way.
Unbiased advice
What is fee-only financial planning?
At FutureSet Financial, fee-only means we’re paid only by you, never by commissions or product sales. No hidden fees. No management expenses. Just honest, personalized advice focused on your goals.
As a fiduciary, I work solely for you, taking a holistic view of your finances, from managing debt and building savings to navigating career changes and planning major milestones. My job is to help you make confident, informed decisions every step of the way.
Benefits
Is Financial Planning Right for Me?
People in all sorts of situations can benefit from personal financial planning. Here are examples of questions that we can answer together:
"I want to manage my own investments but need a second opinion"
"I feel overwhelmed and don't know where to start"
"How much of a house can we afford?"
"I don't know if I'm on the right track of retiring when I want to"
"We're expecting our first child! What should I plan for?"
"What’s the best way to get rid of my student debt?"
You don’t need a certain income, a perfectly organized budget, or an investment portfolio to work with a financial planner. There’s no judgment here, just clear guidance and a plan that fits your life. Whether you're just getting started, already building momentum, or feeling behind, I’m here to meet you where you are.
Let’s Talk About You
Is Financial Planning Right for Me?
People in all sorts of situations can benefit from personal financial planning. Here are examples of questions that we can answer together:
"I want to manage my own investments but need a second opinion"
"I feel overwhelmed and don't know where to start"
"How much of a house can we afford?"
"I don't know if I'm on the right track of retiring when I want to"
"We're expecting our first child! What should I plan for?"
"What’s the best way to get rid of my student debt?"
You don’t need a certain income, a perfectly organized budget, or an investment portfolio to work with a financial planner. There’s no judgment here, just clear guidance and a plan that fits your life. Whether you're just getting started, already building momentum, or feeling behind, I’m here to meet you where you are.
My Journey
About me
👋 Welcome! I'm Tim, and I founded FutureSet Financial to guide young professionals and growing families through their unique financial journeys. My mission is to bring clarity, confidence, and purpose to your financial life, helping you navigate significant milestones with foresight.
After a decade in startups and tech consulting, I decided to embark on a career in financial planning after the birth of my second child. This was the moment I knew it was time to reshape my career around flexibility, meaningful work, and the priorities that matter most.
Now, I work one-on-one with individuals and families to turn their goals into actionable plans, reduce financial stress, and give them more freedom to focus on the people and experiences that matter most.
If you’re looking for clear guidance, open conversation, and a plan that works for your life, I’d love to work with you.
👋 Welcome! I'm Tim, and I founded FutureSet Financial to guide young professionals and growing families through their unique financial journeys. My mission is to bring clarity, confidence, and purpose to your financial life, helping you navigate significant milestones with foresight.
After a decade in startups and tech consulting, I decided to embark on a career in financial planning after the birth of my second child. This was the moment I knew it was time to reshape my career around flexibility, meaningful work, and the priorities that matter most.
Now, I work one-on-one with individuals and families to turn their goals into actionable plans, reduce financial stress, and give them more freedom to focus on the people and experiences that matter most.
If you’re looking for clear guidance, open conversation, and a plan that works for your life, I’d love to work with you.
The Process
What does a FutureSet Financial engagement look like?
1
Discovery and information gathering
First let's get to know each other! I want to understand your values, priorities, and what “financial peace of mind” looks like to you
First let's get to know each other! I'll want to understand your values, priorities, and what “financial peace of mind” looks like to you
Define your financial objectives - don't worry if you don't have any yet. We will clarify them together.
Define your financial objectives but don't worry if you don't have any yet. We will clarify them together.
Compile your financial information - both qualtiatative and qunatitaive - to understand your current situation
Compile your financial information to understand your current situation
2
Analysis
Review your net worth, cash flow, and debt levels to see how your money is working for you right now
Test different “what if” scenarios (e.g. buying a home, taking parental leave, or retiring early) to see what’s feasible and what trade-offs may exist
Identify any financial risks and vulnerabilities
Assess your investment accounts for tax efficiency and alignment with your goals and risk tolerance
3
Design your personalized plan
Design your personalized plan
Designing your plan
Build a step-by-step strategy that covers investing, saving, tax planning
Build a step-by-step strategy that covers saving, investing, and tax planning
Test different “what if” scenarios (e.g. buying a home, taking parental leave, or retiring early) to see what’s feasible and what trade-offs may exist
Guidance on RESP, TFSA, RRSP decisions and how to balance multiple goals
Provide guidance on TFSA, RRSP, RESP decisions and how to balance multiple goals
4
Reviewing and refining the plan
Reviewing and refining the plan
Reviewing and refining the plan
Show the “why” behind each recommendation
Invite your feedback and make changes until the plan feels clear and motivating
Confirm feasibility by making sure the plan is realistic and actionable
5
Taking action
Put your plan into motion including opening new TFSAs, adjusting your RRSP contributions, rebalancing your portfolio, or updating insurance
Coordinate with your other professionals (accountant, lawyer, mortgage broker) to make sure everything works together
Set clear timelines for each step so you always know what’s next
PLAN
EARN
SAVE
INVEST
Investing in Your Future
Pricing
Comprehensive Financial Plan
Recommended
$900
+ $300 for couples
Includes:
Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations
Comprehensive Financial Plan
Recommended
$900
+ $300 for couples
Includes:
Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations
Comprehensive Financial Plan
Recommended
$900
+ $300 for couples
Includes:
Review of financial goals
Financial situation summary (net worth and cash flow)
Income and expense review with cash management and financial planning recommendations
Retirement plan with financial projections for savings and income
Financial risk exposure assessment and risk management plan
Investment portfolio and asset allocation review
Wills and Power of Attorney check-up
Tax filing optimization opportunities review
Written financial plan with recommendations
FAQ
Have questions?
How is your approach different from a bank advisor or investment manager?
As a fee-only fiduciary, I'm compensated directly by you, eliminating conflicts of interest and ensuring my advice is always in your best financial interest. Unlike bank advisors or investment managers who often sell proprietary products, I offer comprehensive, holistic financial planning tailored to your unique circumstances and goals.
How long does an engagement take?
Can I work with you if I don’t have a high income or large portfolio?
How do I get started?
To see if we'd be a good fit, let's chat! Please schedule a free 30-minute initial consultation with me. It'll be a relaxed opportunity for us to get to know each other, understand your unique financial situation, and explore your needs without any obligation.
How is your approach different from a bank advisor or investment manager?
How long does an engagement take?
Can I work with you if I don’t have a high income or large portfolio?
How do I get started?
FAQ
Have questions?
How is your approach different from a bank advisor or investment manager?
How long does an engagement take?
Can I work with you if I don’t have a high income or large portfolio?
How do I get started?
Contact me
Contact Me
Let's chat!
Ready to book your free 30-minute initial consultation? Schedule it here.
Have questions first? Fill out this form to send me a quick message and I’ll get back to you personally.