Thinking about a second opinion on your retirement? Start here.
In a few minutes I’ll walk you through how this works, what you get, and how Retiring Canada connects to my day job at Fundamental Wealth. Then, if it feels right, book a time with me right on this page.
What the letters after my name mean…
CFP® Certified Financial Planner: The standard for full retirement planning, not just picking investments.
CLU® Chartered Life Underwriter: Deep training in estate planning and protecting what you’ve built.
CIM® Chartered Investment Manager: The investment side, so the portfolio work is done properly.
Retiring Canada is my free education platform. The podcast, the guides, the newsletter, all of it. No cost, no strings, and most people never need anything more than that. That’s the point of it.
My day job is Senior Investment Advisor at Fundamental Wealth of Harbourfront Wealth Management. That’s my practice, where my team and I build retirement plans and manage investments for clients across the country. It’s regulated, it’s where the real work happens, and it’s how I make a living.
CERTIFIED & FEE-BASED
A CFP-led team paid one transparent fee, no product commissions.
RETIREMENT SPECIALISTS
We only work with retirement savers we have the expertise to help.
A REAL TEAM
Advisors, planners and client service, so nothing falls through.
45 minutes, phone or video, and it's free. Tell me about your situation, your goals, and what's keeping you up at night.
In the last 15 minutes we gather the details to build your Fundamental Retirement Plan.
A follow-up session to walk through the plan and see if working together makes sense.
No pressure and no obligation. If we're not the right fit, I'll tell you and point you somewhere better. Booking connects you with me, Michael, at Fundamental Wealth.
It’s called the Fundamental Retirement Plan, our five-part process for turning a nest egg into a retirement you can actually rely on. It isn’t set-and-forget. It’s a living plan we monitor and adjust as your life changes.
The right ingredients in your portfolio, so you retire successfully instead of running out.
A dynamic retirement paycheque that flexes up or down with your trajectory.
Fine-tuning what you draw and when, so CRA gets less and you keep more.
Factoring in health and long-term care costs before they can derail the plan.
Making sure what’s left goes to who you want, not to CRA.
Senior Investment Advisor
Senior Investment Advisor
Creative Lead
Senior Administrative Assistant
Client Services Administrator
Senior Investment Advisor
Administrative Assistant
Senior Administrative Associate
Retiring Canada is my free education platform, the podcast, the guides, the newsletter. Fundamental Wealth of Harbourfront Wealth Management is my actual advisory practice. When you decide to work with me, you become a client of Fundamental Wealth. Same me, same approach, one teaches and one is the hands-on planning.
At Fundamental Wealth, we believe a successful retirement requires more than investment management. It takes a comprehensive plan tailored to your goals, finances, and vision for retirement. That’s why we developed the —a structured process that coordinates the five key areas of retirement planning:
The FRP isn’t a one-time plan—it’s an ongoing process. We continuously monitor your progress and adjust your strategy as your life and the markets evolve. With a clear understanding of how today’s decisions affect your future, you can retire with greater confidence, knowing your income, spending, taxes, and overall financial plan are working together.
We are an independent, Fee-based advisory team. One transparent fee includes . Our ongoing advice fee is based on the portfolio size that you have with us. As your assets with our team increase, the advisory fee you are charged decreases. It only makes sense to hire a financial advisor — or any professional — if the . In other words, the time and effort saved by hiring an expert + the tax savings (and potentially increased investment returns) need to exceed the fees being charged.
There are three really important things about our firm that separate us from others:
Yes. We work with many clients virtually, making it easy to provide advice and planning services across Canada.
Stay for the podcast and free guides. Take what helps. If we’re not a fit, that’s okay. Either way, you’re in the right place to make sense of retirement.
