Understanding Infinite Banking: The Strategy Behind Financial Control

When you reach a certain level of financial success in Canada, conventional banking and investment strategies often fall short of your expectations. You need more than basic financial planning. You want true control over your capital, reliable tax-saving strategies, and the confidence that your wealth is working efficiently for you—not for the banks or the government. This is where the Infinite Banking Concept stands out. Infinite Banking, sometimes called “Becoming Your Own Banker,” gives you the power to manage your household and business finances privately, autonomously, and profitably. By leveraging specially designed participating whole life insurance policies, you can recapture interest, reduce finance costs, and shield your assets from unnecessary taxation.

But who truly stands to benefit the most from Infinite Banking in Canada? The answer is clear: high-income earners, business owners, and professionals who demand more from their financial strategies. If you’re looking to optimize tax efficiency, preserve wealth, and maintain privacy in your financial dealings, Infinite Banking offers a solution that traditional banks and investment firms simply cannot match.

Why High-Income Canadians Need More Than Traditional Financial Planning

As your income and investible assets grow, so do your financial challenges. You face higher tax brackets, stricter regulatory scrutiny, and the constant threat of wealth erosion from fees, taxes, and inflation. Relying on standard financial planning is no longer enough. You need a strategy that adapts to your complex needs, prioritizes financial security, and delivers consistent, risk-adjusted returns.

  • Tax Efficiency: Canada’s progressive tax system can quickly erode your net returns. Without proactive tax-saving strategies, you may be paying more than your fair share.
  • Wealth Preservation: Protecting your assets from unnecessary risk and taxation is essential. You want your capital to grow, but you also want it to remain accessible and shielded from outside threats.
  • Financial Privacy: High-income individuals and business owners value confidentiality. Traditional banks and investment firms often expose your financial data to unnecessary scrutiny.
  • Control and Flexibility: The ability to access your capital when you need it, without restrictive lending criteria or punitive penalties, is non-negotiable.

Infinite Banking addresses all of these concerns by giving you the ability to manage your wealth outside the traditional system. You control the flow of your money, recapture lost interest, and build a financial legacy that extends beyond your lifetime.

How Infinite Banking Works for High-Income Earners

Infinite Banking is not about purchasing life insurance for the sake of insurance alone. It’s about using a participating whole life insurance policy as a high-performance financial tool. Here’s how the process empowers you:

  • Premium Payments Build Cash Value: Each premium payment increases the policy’s cash value, which grows tax-exempt within the policy. This cash value is your personal financial reservoir.
  • Access to Tax-Exempt Loans: You can borrow against the cash value at any time, for any purpose, without triggering a taxable event. This means you can finance investments, business opportunities, or personal expenses while your policy continues to grow.
  • Compound Interest Advantage: Your money continues to earn dividends and interest, even when you borrow against it. This uninterrupted compound growth is a powerful wealth-building force.
  • Preferred Creditor Protection: In many provinces, the cash value in your policy receives creditor protection, safeguarding your wealth from lawsuits or business setbacks.
  • Zero Management Fees: Unlike mutual funds or other investment vehicles, there are no ongoing management fees eroding your returns. The cost structure is transparent and predictable.

For high-income Canadians, these features translate into greater financial security, more efficient wealth accumulation, and the freedom to pursue new opportunities without being handcuffed by traditional lenders or government regulations.

Business Owners: Recapturing Finance Costs and Enhancing Cash Flow

As a business owner, you understand the impact of financing costs on your bottom line. Every loan, lease, or line of credit you take from a bank represents money flowing out of your business in the form of interest payments. Over time, these costs add up, reducing your ability to reinvest and grow.

Infinite Banking allows you to recapture these finance costs by becoming your own source of capital. When you use your policy’s cash value to finance business equipment, expansion, or even payroll, you pay interest back to your own system—not to a third-party lender. This keeps your capital cycling within your business, compounding and growing rather than leaking out through external interest payments.

  • Autonomous Financing: Approve your own loans, set your own repayment schedules, and avoid the red tape and delays of traditional banking.
  • Liquidity Without Penalties: Access your cash value at any time, with no penalties or restrictions on how you use the funds.
  • Tax-Exempt Growth: The interest you pay goes back into your policy, increasing your cash value and enhancing the overall efficiency of your financial plan.

This approach not only improves your business’s cash flow but also strengthens your long-term financial position. You gain the flexibility to seize new opportunities as they arise, without sacrificing control or privacy.

Key Advantages for Professionals and Executives

For established professionals and executives, Infinite Banking offers a level of financial sophistication that aligns with your career achievements and future goals. You are already accustomed to managing complex portfolios and making strategic decisions. Infinite Banking elevates your financial strategy by providing:

  • Comprehensive Wealth Management: Integrate Infinite Banking with your existing investment and retirement planning strategies to optimize tax efficiency and risk-adjusted returns.
  • Legacy and Estate Planning: The death benefit from your policy passes tax-free to your beneficiaries, ensuring your legacy is protected and your family’s financial security is maintained.
  • Confidentiality and Privacy: Keep your financial affairs private, with no public record of your policy’s cash value or loan activity.
  • Protection Against Market Volatility: Your policy’s cash value grows steadily, insulated from the ups and downs of the stock market and real estate cycles.

By integrating Infinite Banking with your broader financial plan, you create a robust foundation that supports your lifestyle, your family, and your long-term aspirations.

Tax-Saving Strategies and Wealth Preservation in the Canadian Context

Canada’s tax system is complex, and high-income earners often find themselves paying a disproportionately high share of their earnings in taxes. Infinite Banking leverages the tax-exempt status of participating whole life insurance policies to help you keep more of your hard-earned money.

  • Tax-Exempt Growth: The cash value within your policy grows tax-free, allowing your wealth to compound without annual tax drag.
  • Tax-Free Loans: Borrowing against your policy does not trigger a taxable event, providing you with access to liquidity without increasing your tax burden.
  • Efficient Estate Transfer: The death benefit is paid out tax-free to your beneficiaries, bypassing probate and minimizing estate taxes.
  • Reduced Exposure to Capital Gains: By using your policy as a source of funds, you can delay or avoid triggering capital gains on other investments.

These advantages are particularly valuable for high-income Canadians who are seeking to maximize after-tax returns and ensure their wealth is preserved for future generations.

Who Gains the Most? Profiles of Canadians Who Benefit from Infinite Banking

While Infinite Banking can offer benefits to a wide range of individuals, certain profiles stand out as the biggest winners:

  • Entrepreneurs and Business Owners: If you regularly finance business operations, equipment, or expansion, Infinite Banking enables you to recapture interest costs and maintain liquidity.
  • High-Income Professionals: Physicians, lawyers, engineers, and executives who have substantial annual income and investible assets benefit from the privacy, tax efficiency, and flexibility Infinite Banking provides.
  • Real Estate Investors: If you leverage financing for property acquisitions, using your policy’s cash value can streamline the process and reduce reliance on traditional lenders.
  • Families Focused on Legacy: Those who prioritize multi-generational wealth transfer appreciate the tax-free death benefit and creditor protection features.
  • Individuals Seeking Financial Independence: If you value autonomy and control over your financial destiny, Infinite Banking gives you the tools to manage your wealth on your terms.

By understanding how Infinite Banking aligns with your specific goals and challenges, you can make informed decisions that support your financial growth, security, and legacy.

Common Misconceptions and How to Avoid Them

Despite its proven advantages, Infinite Banking is often misunderstood or misrepresented. To maximize the benefits, you must approach this strategy with clarity and the right guidance. Here are some misconceptions to avoid:

  • “It’s Just About Life Insurance”: Infinite Banking uses life insurance as a tool, but the core strategy is about managing cash flow, recapturing finance costs, and building tax-exempt wealth.
  • “It’s Too Complex”: While the mechanics require expert setup, the day-to-day management is straightforward. With the right advice, you can implement Infinite Banking without unnecessary complexity.
  • “Only the Ultra-Wealthy Benefit”: While high-income individuals and business owners see the greatest impact, anyone who values financial control and tax efficiency can benefit.
  • “You Lose Access to Your Money”: Your cash value is always accessible, and you set the terms for any loan or withdrawal. There are no restrictive penalties or waiting periods.
  • “Returns Are Too Conservative”: Infinite Banking focuses on risk-adjusted, consistent growth. When combined with other investment strategies, it enhances overall portfolio performance and stability.

Recognizing these misconceptions ensures you approach Infinite Banking with realistic expectations and a clear understanding of its true potential.

Integrating Infinite Banking with Financial Planning Services in Canada

Leveraging Infinite Banking as part of your overall financial planning strategy gives you a significant edge. When you incorporate this approach into your wealth management, tax planning, and retirement strategies, you create a financial ecosystem that is resilient to external pressures and uniquely suited to your needs as a high-income Canadian. By working with financial planning services that understand the intricacies of Infinite Banking, you gain a partner who can align this strategy with your broader goals—whether you are focused on wealth preservation, optimizing tax-saving strategies, or achieving financial security for your family and business.

Unlike traditional investment services that may expose you to unnecessary fees and taxes, Infinite Banking, when integrated with comprehensive financial planning, helps you grow and control your wealth. You are no longer restricted by the limitations of conventional banks or the unpredictability of the market. Instead, you benefit from a financial plan that is proactive, private, and designed to work under the Canadian financial system.

Wealth Management Advantages: Consistency, Control, and Security

In the realm of wealth management, Infinite Banking introduces a degree of consistency and predictability that is rare in other investment vehicles. Your cash value grows steadily, regardless of market volatility, and you enjoy uninterrupted compound interest. This approach is especially valuable for those who have already accumulated significant assets and want to ensure that their wealth continues to grow with minimal risk exposure.

  • Consistent Returns: The participating whole life insurance policies used in Infinite Banking are engineered to provide stable, long-term growth. You avoid the rollercoaster of the stock market and the uncertainty of real estate cycles.
  • Direct Access to Capital: You can access your policy’s cash value at any time, for any reason, without the delays or invasive questioning that come with traditional lenders.
  • Protection from Creditors: In many jurisdictions, your policy’s cash value is protected from claims, giving you peace of mind that your assets are secure.
  • Confidential Financial Management: Your financial affairs remain private. There are no public records of your policy’s cash value or loan activity, unlike many other forms of investment or lending.

By integrating Infinite Banking with your wealth management strategy, you ensure that your financial resources are always working for you, on your terms, with unmatched security and privacy.

Retirement Planning: Maximizing Income and Minimizing Risk

As you look ahead to retirement, you want assurance that your income will be reliable and your capital protected. Infinite Banking is a powerful addition to your retirement planning toolkit. The tax-exempt growth of your policy’s cash value means your nest egg is not eroded by annual taxes. When you need income, you can borrow against your policy without triggering taxable events, allowing you to manage your tax bracket and maximize after-tax retirement income.

  • Tax-Advantaged Withdrawals: Loans against your policy’s cash value are not considered income, so you avoid additional taxes during your retirement years.
  • Flexible Income Streams: You control when and how much you borrow, giving you the ability to supplement other sources of retirement income as needed.
  • Legacy Preservation: The death benefit ensures that your family receives a tax-free inheritance, preserving your wealth for future generations.
  • Inflation Protection: The steady growth of your policy’s cash value helps offset the impact of inflation on your retirement savings.

With Infinite Banking, you can approach retirement with confidence, knowing that your financial security is not subject to the whims of the market or the taxman.

Estate Planning: Protecting Your Legacy with Infinite Banking

Effective estate planning is about more than distributing assets; it’s about ensuring your legacy is preserved and your family is protected from unnecessary financial burdens. Infinite Banking provides a strategic advantage in this area. The tax-free death benefit from your policy bypasses probate, delivering immediate liquidity to your beneficiaries. This means your family avoids costly delays, legal fees, and the risk of forced asset sales.

  • Immediate Access to Funds: Your beneficiaries receive the death benefit without waiting for probate, enabling them to cover expenses and maintain their lifestyle.
  • Minimized Estate Taxes: The policy’s proceeds are not subject to income tax, and in many cases, they are shielded from estate taxes as well.
  • Creditor Protection: In several provinces, life insurance proceeds are protected from creditors, ensuring your legacy is secure.
  • Multi-Generational Wealth Transfer: You can structure your policies to benefit children and grandchildren, creating a lasting financial foundation for your family.

By making Infinite Banking a core component of your estate planning, you guarantee that your wealth is preserved and your family’s future is safeguarded.

Investment Management Synergy: Enhancing Portfolio Performance

Many high-income Canadians already maintain diversified investment portfolios. Infinite Banking is not a replacement for these strategies; it is a powerful complement. By positioning your policy’s cash value as a stable, liquid asset within your overall portfolio, you create a financial buffer that allows you to pursue higher-yield opportunities without compromising your security.

  • Liquidity for Investment Opportunities: When a compelling investment arises—whether in real estate, private equity, or the markets—you can access your cash value quickly and efficiently, without liquidating other assets or incurring tax penalties.
  • Mitigating Sequence of Returns Risk: During periods of market downturn, you can draw from your policy rather than selling investments at a loss, preserving your portfolio’s long-term growth potential.
  • Consistent Risk-Adjusted Returns: The steady growth of your policy’s cash value helps smooth out volatility in your overall portfolio, improving your overall risk-adjusted return.
  • Fee Reduction: Unlike many managed investment products, participating whole life policies have transparent, predictable costs with no hidden management fees eroding your returns.

Combining Infinite Banking with your investment management approach gives you the flexibility to seize opportunities, manage risk, and maintain financial control.

Tax Planning Services: Advanced Strategies for High-Income Earners

Tax planning is a critical concern for high-income Canadians. Every dollar you save in taxes is a dollar that can be reinvested in your business, your family, or your future. Infinite Banking is a cornerstone of advanced tax planning services, providing you with legitimate, proven methods to reduce your tax burden.

  • Income Smoothing: By borrowing against your policy’s cash value, you can manage your taxable income in high-earning years, reducing the risk of being pushed into a higher tax bracket.
  • Capital Gains Deferral: Use your policy as a source of liquidity, allowing you to defer capital gains on other investments until it is most advantageous for you.
  • Tax-Free Growth: Your policy’s cash value compounds without being diminished by annual taxes, accelerating your wealth accumulation.
  • Deductible Business Premiums: In certain cases, business owners may be able to structure policy premiums as a deductible business expense, further enhancing tax efficiency.

Partnering with tax planning experts who understand Infinite Banking ensures you maximize every available advantage under the Canadian tax system, keeping more of your wealth where it belongs—with you and your family.

Overcoming Barriers: What You Need to Get Started

Implementing Infinite Banking requires a shift in mindset and a willingness to challenge traditional financial assumptions. The most successful adopters are those who recognize the limitations of conventional banking and are ready to embrace a system that puts them in control. To get started, you need a commitment to long-term thinking, an understanding of how compound interest works in your favour, and the guidance of financial professionals who specialize in this strategy.

  • Commitment to Saving: Infinite Banking rewards those who prioritize saving and are willing to direct a portion of their cash flow into policy premiums.
  • Desire for Control: If you want to control your capital, access funds on your terms, and recapture finance costs, this approach aligns with your goals.
  • Openness to Expert Guidance: The right advisor will design a policy that maximizes your cash value growth, ensures tax efficiency, and integrates seamlessly with your broader financial plan.
  • Long-Term Perspective: The benefits of Infinite Banking compound over time. The earlier you start, the greater your advantage.

By overcoming the psychological and logistical barriers to entry, you position yourself to reap the full rewards of this powerful financial strategy.

Choosing the Right Financial Advisory Services for Infinite Banking

Your success with Infinite Banking depends on the expertise of your financial advisory team. Not all advisors are equipped to design and implement this strategy effectively. Look for financial planning services that have a proven track record with high-income earners, understand the nuances of the Canadian tax system, and offer a comprehensive suite of wealth management, tax planning, and estate planning services.

  • Certified Financial Planners: Work with advisors who hold recognized certifications and have demonstrated expertise in advanced financial strategies.
  • Transparency and Trust: Choose professionals who prioritize confidentiality, integrity, and a client-centric approach to financial advice.
  • Customized Solutions: Your financial situation is unique. The right advisor will design a plan that addresses your specific needs, goals, and risk tolerance.
  • Ongoing Support: Infinite Banking is not a set-it-and-forget-it strategy. Your advisor should provide continuous guidance, portfolio reviews, and proactive recommendations as your circumstances evolve.

With the right financial advisory services, you gain a partner who will help you navigate the complexities of Infinite Banking, ensuring your plan remains effective and aligned with your long-term objectives.

Real-World Scenarios: How Canadians Are Benefiting from Infinite Banking

Across Canada, high-income earners, business owners, and professionals are already seeing the impact of Infinite Banking on their financial lives. Consider these examples:

  • Business Expansion: An entrepreneur in Toronto used policy loans to finance new equipment, avoiding costly bank interest and maintaining full control over repayment terms.
  • Retirement Income Planning: An executive in Calgary supplemented retirement income by accessing policy cash value, managing taxable income, and preserving investment assets during market downturns.
  • Estate Liquidity: A family in Vancouver leveraged the tax-free death benefit to settle estate expenses and provide for heirs without selling valuable real estate assets.
  • Wealth Preservation: A professional in Ottawa protected a significant portion of net worth from creditors while enjoying steady, tax-advantaged growth.

These real-world scenarios demonstrate the versatility and power of Infinite Banking when integrated with expert financial planning services in Canada.

Debunking More Myths: Infinite Banking in the Canadian Context

Despite its proven effectiveness, misconceptions about Infinite Banking persist. Understanding the facts ensures you make informed decisions:

  • “It’s Only for the Ultra-Rich”: While high-income individuals see the greatest benefits, anyone seeking financial security, privacy, and control can leverage this approach.
  • “You Can’t Access Your Money”: Policy cash value is highly liquid, with flexible loan terms and no restrictions on use.
  • “Returns Are Inferior”: Risk-adjusted, consistent returns often outperform volatile investments when measured over time, especially when factoring in tax savings and fee reductions.
  • “It’s Too Complicated”: With the right advisory team, the process is straightforward and integrates seamlessly with your broader financial strategy.

By dispelling these myths, you can approach Infinite Banking with clarity and confidence, knowing that this strategy is both accessible and effective for high-income Canadians seeking advanced financial solutions.

Expert Financial Planning Services: Your Advantage in Infinite Banking

Choosing the right financial planning partner is critical when you want to maximize the advantages of Infinite Banking in Canada. You need a team that not only understands the nuances of tax-saving strategies and wealth preservation but also has a proven track record in helping high-income earners and business owners achieve financial security and growth. The right advisors will provide you with a personalized approach, ensuring your plan aligns with your business and personal goals while navigating the complexities of the Canadian tax system.

  • Receive guidance rooted in decades of experience in financial planning and investment management services
  • Benefit from strategies that are designed to minimize taxes, reduce fees, and eliminate unnecessary financial losses
  • Access comprehensive wealth management and retirement planning expertise that goes beyond conventional advice
  • Ensure your financial privacy and confidentiality at every stage of your financial journey

With a focus on actionable solutions and ongoing support, you are empowered to make informed decisions and maintain control over your financial destiny.

Seamless Integration with Wealth Management and Tax Planning Services

Integrating Infinite Banking with your broader wealth management and tax planning services amplifies your ability to grow, control, and protect your assets. By working with experts who specialize in financial planning services, you gain access to a coordinated approach that addresses every facet of your financial life—from optimizing tax strategies to managing investment risk and ensuring a secure retirement.

Through this integration, you benefit from:

  • Strategic tax planning services that help you optimize your tax position and keep more of your wealth working for you
  • Investment management services that complement your Infinite Banking strategy, providing liquidity and risk-adjusted growth
  • Comprehensive estate planning services to protect your legacy and provide for your loved ones
  • Retirement planning that ensures a steady, tax-advantaged income and peace of mind

By coordinating these services, you eliminate gaps in your financial strategy and ensure every dollar is working efficiently toward your goals.

Financial Security and Confidentiality: The Foundation of Wealth Preservation

For high-income Canadians, financial security and confidentiality are non-negotiable. Infinite Banking, combined with expert financial advisory services, provides a framework where your wealth is insulated from unnecessary exposure and your financial affairs remain private. You retain full control over your assets, with the flexibility to respond to opportunities and challenges as they arise, all while enjoying the protection of Canada’s strongest risk management and creditor protection features.

  • Preserve wealth with strategies that shield you from unpredictable taxes and inflation
  • Maintain confidentiality with private, non-public financial structures
  • Gain peace of mind knowing your financial plan is built for long-term growth and security

This approach ensures that your financial future remains secure, regardless of economic or regulatory changes.

Personalized Wealth Strategies for Business Owners and Professionals

As a business owner or established professional, your financial needs are unique. You require more than generic investment advice—you need a comprehensive plan that addresses business growth, risk management, and wealth preservation. Infinite Banking offers you the flexibility to finance business operations, invest in new opportunities, and build a lasting legacy, all within a tax-advantaged, private structure.

  • Recapture finance costs by using your policy’s cash value for business needs
  • Access liquidity without restrictive lending criteria or penalties
  • Protect assets from creditors and minimize exposure to market volatility
  • Integrate business and personal financial planning for maximum efficiency

With the right guidance, you can confidently navigate complex financial landscapes and achieve both personal and professional success.

Comprehensive Retirement Planning: Secure Your Future with Confidence

Retirement planning services that incorporate Infinite Banking provide a unique advantage. Your policy’s cash value grows tax-exempt, offering a stable and predictable source of funds for your retirement years. When the time comes to access your wealth, you can do so in a way that minimizes taxes and maximizes income, ensuring a comfortable and worry-free retirement.

  • Supplement retirement income with tax-free policy loans
  • Manage taxable income to avoid higher tax brackets in retirement
  • Preserve investment assets by drawing from your policy during market downturns
  • Ensure your family’s financial security with a tax-free death benefit

This strategy gives you the confidence to enjoy your achievements while maintaining control over your financial future.

Estate Planning Services: Protect Your Legacy and Family

Estate planning is a vital component of your overall financial strategy. Infinite Banking, when combined with expert estate planning services, allows you to transfer wealth efficiently and privately to the next generation. The tax-free death benefit ensures your heirs receive immediate liquidity, bypassing probate and minimizing estate taxes.

  • Provide for your family with immediate, tax-free funds
  • Minimize legal and tax burdens on your estate
  • Protect your legacy from creditors and legal challenges
  • Establish multi-generational wealth structures for lasting impact

With careful planning, you ensure your legacy is preserved and your loved ones are supported for years to come.

Investment Management Synergy: Optimize Portfolio Performance

Incorporating Infinite Banking into your investment management services creates a powerful synergy. Your policy’s cash value acts as a stable, liquid asset, providing you with the flexibility to capitalize on investment opportunities without disrupting your portfolio or incurring unnecessary taxes.

  • Access capital for new investments quickly and efficiently
  • Reduce risk by drawing from your policy during market corrections
  • Enhance overall portfolio returns with consistent, risk-adjusted growth
  • Eliminate hidden management fees that erode long-term wealth

This integrated approach enables you to pursue growth while maintaining the security and stability you expect from your financial plan.

Tax Planning Services: Maximize Savings and Efficiency

Expert tax planning services are essential for high-income Canadians seeking to maximize after-tax returns. Infinite Banking serves as a cornerstone of advanced tax strategies, helping you manage income, defer capital gains, and grow your wealth tax-exempt.

  • Strategically manage taxable income to avoid higher brackets
  • Defer or minimize capital gains on other investments
  • Accelerate wealth accumulation with tax-free compounding
  • Utilize business structures for additional tax advantages where applicable

With the right tax planning, you keep more of your wealth working for you and your family—year after year.

Expert Guidance Every Step of the Way

Navigating Infinite Banking and advanced financial planning requires expertise and ongoing support. By partnering with a trusted financial planning firm, you receive guidance at every stage—from the initial design of your policy to ongoing portfolio reviews and strategic adjustments. This relationship ensures your plan remains aligned with your evolving needs and the ever-changing financial landscape.

  • Continuous monitoring and optimization of your financial strategy
  • Personalized consultations to address new opportunities and challenges
  • Education and resources to empower you to make informed decisions
  • Unwavering commitment to your financial security and success

With this level of support, you are equipped to achieve your most ambitious financial goals with clarity and confidence.

Discover the Difference with a Premier Financial Planning Firm

Experience the benefits of working with a financial planning firm that ranks among the top in Canada for its expertise, trustworthiness, and commitment to your financial well-being. Whether you are seeking advanced tax-saving strategies, comprehensive wealth management, or innovative solutions like Infinite Banking, you have access to the knowledge and resources you need to thrive.

  • Receive a personalized, no-charge second opinion on your current financial plan
  • Explore the world’s best risk-adjusted return assets and discover new opportunities for growth
  • Benefit from a confidential, client-centric approach that puts your interests first
  • Strengthen your household and business finances with proven strategies and expert advice

Take the next step toward financial security and growth. For a confidential consultation or to learn more about how advanced financial planning services can work for you, reach out directly by email at dave@dofinancial.ca.