Frequently Asked Questions

 Our mission at MW Financial Planning is to make high-quality financial guidance accessible, clear, and practical for everyday people - regardless of income level. We believe everyone deserves the opportunity to make informed financial decisions and build long-term security without confusion or pressure. 

A financial planner helps you organize your financial life and plan for the future. That can include:

• Saving for retirement
   
• Managing investments
   
• Reducing debt
   
• Preparing for major life changes (like buying a home or starting a family)
   

Our role is to help you understand your options, avoid costly mistakes, and make decisions with confidence.

Your initial consultation is provided at no cost and no obligation. This allows us to get to know each other, discuss your goals, and determine whether we’re the right fit to work together.

Ongoing compensation, if any, depends on the services and products you choose - and is always disclosed upfront.

In many cases, we are compensated through commissions from insurance companies, lenders, or investment providers if you choose to implement a solution through one of our partners.

You are never obligated to proceed with any recommendation, and your goals always come first. We focus on what’s best for you - not on selling specific products.

Managing finances on your own can be overwhelming. A financial planner brings:

• Professional experience
   
• Objective guidance
   
• Ongoing accountability
   
• Coordination across different areas of your financial life
   

Our goal is to help you save time, reduce stress, and stay focused on your long-term objectives with a clear plan in place.

 Not at all. The earlier you start, the more flexibility and opportunity you typically have. Whether you’re just beginning your career or preparing for retirement, it’s always a good time to get advice aligned with your goals. 

 If you already have an advisor you trust - that’s great. You’re already ahead of many Canadians.

One key difference is that bank advisors typically work within a single institution and are limited to that institution’s products. At MW Financial Planning, we work independently and focus on comparing options across multiple providers when appropriate.

You’re always welcome to stop by for a no-cost, no-obligation second opinion.

 Getting started is simple. Just reach out to book a free consultation. We’ll talk about your goals, your current situation, and how we may be able to help you move forward with clarity and confidence.