About Us

Since 1983, DO FINANCIAL has provided a refreshing different kind of financial advice, serving Canadian’s nationwide. We create value by helping people/businesses:

• Find and recapture hundreds of thousands of dollars in lost money.
• Create and manage more usable wealth for our clients with Infinite Banking® than conventional financial planning.
• Protect families, and plan for a healthy financial future.
• Protect hard-earned assets from financial catastrophes, and economic tsunamis.

We take a Whole Picture planning approach to envisioning and syncing your life, work, and wealth. We believe that we can have a bigger impact on your financial future by helping you avoid the losses rather than helping you pick the winning investments.

The DO FINANCIAL name (pronounced “Do” Financial) was selected as the initials of the founder and to encourage action. In its simplest form, we help people connect their money to their life. But our personalized approach to wealth management is about so much more than that. We’re about understanding your life and your money, and how those two intersect.

We believe that the best way to do that is through a personal relationship with a partner you can trust.

Nothing makes us happier than to help people realize they have choices they didn’t even know existed. That takes hard work, knowledge and attention to detail – your details.

Life is about the people you share it with, and we strive to be one of them. We help you define your priorities and then put them in context with the rest of your life. We’re passionate about building long-term relationships with our clients to help stand with you as you turn the pages of your unique financial story. We take great pride in this connection, and the level of uncompromising integrity our clients have come to know us for.

With almost four decades of experience helping people make decisions about their money and their life, we bring a depth of expertise cultivated from being fully engaged in the many chapters of each client’s life. The trust and respect forged with our clients are the key elements that allow us to challenge them as they consider the many difficult decisions needed to help achieve financial freedom. We walk proudly beside our clients through these critical events.

Welcome & Introduction

At DO FINANCIAL we are dedicated to helping our clients achieve their financial goals through personalized and comprehensive financial planning services. Our team of experienced professionals is here to guide you every step of the way, ensuring that your financial future is secure and prosperous.

What to Expect

As we potentially embark on this journey together, you can expect a client-centered approach tailored to your unique needs and objectives. We will work closely with you to develop a customized financial plan that aligns with your goals, values, and aspirations. Our commitment is to provide you with clear guidance, expert advice, and the highest level of service.

Our Services

Our range of services includes retirement planning, investment management, tax planning, estate planning, retaining financing capital, eliminating opportunity cost losses, and more. We believe in proactive communication and will keep you informed of any updates or changes that may impact your financial plan. Regular reviews and updates will ensure that your plan remains aligned with your goals.

Meet the Team

Our team of dedicated professionals specialize in various areas of financial planning, accounting, and legal. We encourage you to reach out to us with any questions or concerns you may have. Your satisfaction and peace of mind are our top priorities.

Account Access

Access to your account(s) will be available online and/or paper.

Your Feedback Matters

We value your feedback and would appreciate it if you could take a moment to share your experience with us on Google Reviews. We will provide the link later.

For more about us read on.

Value

Our value can be measured in 5 ways:

1. Problem Solving
• We offer multiple Possible Solutions utilizing investments and/or insurance
• We offer 7 ways to save more tax that many Canadians and accountants are not aware of
2. ROI – competitive or better investment returns
3. Social Proof – blogs, videos, testimonials, reviews
4. Trust and Credibility
• 42+ years wisdom – knowing what works and what doesn’t
• Professional designations – proof of expertise
• Honors Bachelor of Business Administration (B.B.A.)
• Certified Financial Planner (CFP)
• Chartered Life Underwriter (CLU)
• Chartered Financial Consultant (CH.F.C.)
• Elder Planning Counselor (EPC)
• Authorized Infinite Banking Practitioner (AIBCP)
• Fiduciary duty to always put your interests first
5. Risk-Free Guarantees

Why Compelling

DO FINANCIAL's compelling why is rooted in a deep commitment to helping high-income individuals and business owners take control of their financial destinies. The driving force behind everything we do is the belief that every client deserves to keep more of what they earn, enjoy true financial security, and build a legacy for generations to come. We exist to challenge outdated financial thinking, uncover hidden opportunities, and empower our clients with personalized, tax-efficient strategies that deliver real results. Our purpose is to provide clarity, confidence, and peace of mind—so our clients can live life on their terms, free from financial anxiety and uncertainty.

Expert

DO FINANCIAL brings over four decades of hands-on experience in financial planning, wealth management, and tax-saving strategies, serving high-income individuals and business owners across Canada.

The team is led by a Certified Financial Planner with advanced designations, deep knowledge of the Canadian tax system, and a proven track record of helping clients achieve substantial tax savings and sustainable financial growth.

DO FINANCIAL is recognized for its commitment to ongoing education, staying up to date with the latest financial regulations, market trends, and innovative strategies.

Clients benefit from tailored, actionable solutions that address complex financial challenges, minimize risks, and maximize wealth preservation, all delivered with a focus on trust, confidentiality, and personalized service.

The firm’s expertise is reflected in its ranking among the top financial planners in Canada, consistently delivering measurable results and empowering clients to make informed, confident financial decisions.

Authority

DO FINANCIAL is recognized as an authority in the financial planning industry through its decades of experience, advanced certifications, and proven results for high-income individuals and business owners across Canada. The team is led by seasoned professionals who hold respected designations such as Certified Financial Planner, Chartered Life Underwriter, and Chartered Financial Consultant, reflecting a deep commitment to ongoing education and excellence. DO FINANCIAL consistently ranks among the top performers in the field, setting benchmarks for best practices in tax-saving strategies, wealth preservation, and risk management. By staying ahead of regulatory changes, pioneering innovative financial solutions, and serving as trusted advocates for clients, DO FINANCIAL has built a reputation for reliability, integrity, and expertise that sets the standard for others in the industry.

Client Pain Points

These are some of the pain points our clients have shared with us that we have successfully helped them with:

• High and unpredictable tax burdens that reduce wealth and create financial stress
• Complexities of the Canadian tax system that make it difficult to identify optimal tax-saving opportunities
• Hidden fees and high management costs that erode investment returns over time
• Lack of personalized, strategic financial planning tailored to unique personal and business goals
• Financial anxiety stemming from market volatility, inflation, and uncertainty about the future
• Difficulty integrating business and personal finances for a holistic approach to wealth management
• Limited access to innovative, tax-exempt, and compound interest-based strategies that maximize exponential growth
• Concerns about privacy and confidentiality in managing substantial assets
• Challenges in legacy and succession planning to protect family wealth for future generations
• Frustration with traditional banks and financial institutions that may not prioritize client interests

Challenges Status Quo

DO FINANCIAL rethinks traditional financial planning by focusing on certainty and control, rather than relying on hope and market speculation.

We challenge the idea that banks and governments always have your best interests at heart, empowering clients to become their own banker and take ownership of their financial future.

Instead of following conventional advice that often leads to unnecessary taxes and high fees, we design tax-exempt and fee-free strategies that keep more wealth in your hands.

We educate clients to question what they have always believed about money, encouraging them to think independently and make informed decisions.

Our approach integrates innovative concepts, helping clients recapture finance costs and opportunity costs that are usually lost to financial institutions.

We believe in proactive, personalized planning that addresses both personal and business needs, breaking away from cookie-cutter solutions offered by many traditional advisors.

By prioritizing privacy, autonomy, and long-term wealth preservation, DO FINANCIAL sets a new standard for financial security and peace of mind in Canada.

Core Values

Integrity: We are committed to honesty, transparency, and ethical conduct in every client relationship and recommendation.

Trust: We build lasting partnerships by prioritizing confidentiality, reliability, and genuine care for our clients' financial well-being.

Expertise: We pursue continuous learning and industry leadership, ensuring our advice is always informed, relevant, and effective.

Personalization: We provide tailored financial solutions that reflect each client’s unique goals, values, and circumstances.

Empowerment: We educate and guide our clients, giving them the confidence and tools to make informed financial decisions.

Innovation: We embrace forward-thinking strategies, offering non-traditional solutions like Infinite Banking to help clients retain their financing capital which is a substantial amount over a lifetime.

Client-Centric Service: We put our clients’ interests first, delivering exceptional service and support at every stage of their financial journey.

Legacy: We help clients build, protect, and pass on their wealth, ensuring security for their families and future generations.

Mission

Our mission at DO FINANCIAL CANADA is to empower high-income individuals and business owners across Canada to achieve lasting financial security, wealth preservation, and peace of mind. We are dedicated to providing expert, personalized financial planning and innovative tax-saving strategies that help clients confidently navigate complex financial challenges, protect their assets, and build a prosperous future for themselves and their families. We strive to deliver our services with the highest standards of trust, confidentiality, and integrity, strengthening Canada one household and business at a time.

Vision

DO FINANCIAL's vision is to be the most trusted and innovative financial planning partner for high-income individuals and business owners across Canada. We strive to empower our clients to achieve lasting financial security, maximize their wealth, and confidently navigate complex financial challenges through personalized, tax-efficient strategies and unparalleled expertise. Our goal is to set a new standard in financial services by fostering lifelong relationships built on trust, integrity, and measurable results.

Brand Story

Founded in 1983 by Dave Otto, DO FINANCIAL CANADA began with a simple yet powerful belief: that high-income individuals and business owners deserve more than generic financial advice. Dave saw that too many Canadians were losing wealth unnecessarily—through excessive taxes, hidden fees, and missed opportunities for growth. Driven by a passion for empowering clients, he set out to create a financial planning firm that puts people first, offering tailored solutions designed to protect, grow, and preserve their hard-earned wealth.

Over the decades, DO FINANCIAL has become a trusted partner to Canada’s most discerning professionals and entrepreneurs. Our approach is rooted in deep expertise and a genuine commitment to each client’s unique goals. We don’t just offer advice; we deliver actionable strategies that provide real results—helping clients keep more of what they earn, reduce financial anxiety, and create lasting legacies for their families.

Today, DO FINANCIAL's skillset is among the top financial planning firms in the country, known for our integrity, innovation, and unwavering dedication to client success. We continue to strengthen Canada one household and business at a time, empowering our clients to achieve true financial security and peace of mind.

Beliefs

DO FINANCIAL believes in empowering clients through knowledge, transparency, and proactive financial planning. We believe that every individual and business owner deserves access to personalized strategies that protect and grow their wealth, rather than settling for generic, one-size-fits-all solutions.

• We believe in the power of education and helping clients truly understand their financial opportunities and challenges.
• We believe that avoiding unnecessary losses is just as important as seeking financial gains.
• We believe that trust, confidentiality, and integrity are the foundation of every successful advisor-client relationship.
• We believe that true financial security comes from strategic planning, tax efficiency, and the ability to adapt to changing circumstances.
• We believe in thinking differently challenging conventional wisdom and always putting our clients’ best interests first.
• We believe in supporting clients as they grow, control, and protect their wealth, so they can focus on what matters most: their families, their businesses, and their legacy.

Customs, Behaviors, Traditions, Rituals

• Personalized client consultations where every new relationship begins with a thorough discovery meeting to understand individual goals and challenges.
• Regular portfolio reviews and financial check-ins to ensure clients stay on track and adapt to changing circumstances.
• Ongoing education sessions and sharing of financial wisdom, empowering clients to make informed decisions and rethink their approach to money.
• Celebrating client milestones such as business growth, retirement, or achieving major financial goals, fostering lasting relationships and trust.
• Commitment to confidentiality and privacy in all client interactions, upholding a tradition of trust and discretion.
• Offering and helping clients become their own banker, encouraging capital retention, financial autonomy and empowerment.
• Offering complimentary second-opinion services, reflecting a culture of advocacy and support for clients' best interests.
• Continuous professional development, with team members regularly updating their expertise to deliver the highest standard of service.

Unique Selling Proposition

DO FINANCIAL offers high-income Canadians and business owners a personalized financial planning solution that goes beyond traditional strategies. We empower clients to grow, control, and protect their wealth with tax-exempt, fee-free, and flexible access to capital—delivering true financial autonomy and peace of mind.

Right Fit

We’re taking on 2 new clients a month by application. If you feel we are a good fit to work together based on the information we’ve provided, we have some additional requirements:

1. Financial resources to save/invest $1,000/mth+ or $100,000 available Investments

2. Implement with DO FINANCIAL within 3 months

Next Steps

If you have not yet please book a call here: https://www.dofinancial.ca/pages/book-a-conversation

Once again, welcome to DO FINANCIAL! We are excited to partner with you on your financial journey and look forward to achieving great success together.

About Lori

Lori adds a right-brain perspective and a welcoming and valuable insight for women and those with feminine energy. She has helped women find their paths and has been a guide for them for over 17 years. Lori enhances the financial planning experience for women by providing space for them to share their dreams and goals commonly where they previously may have not felt welcome or comfortable.

With her professional experience, perceptive nature, and four years studying mindsets, Lori compliments Dave’s left brain analytical perspective with feminine energy and creativity, and adds another set of eyes and ears to the meeting process where appropriate which is not commonly offered. She provides DO FINANCIAL clients with a well-rounded and comprehensive planning experience that is not limited to finance.