You work hard.
Is your money working hard for you?
At Fliesser Financial, we provide professional, independent, data-driven financial advice, empowering individuals and families to build lasting financial confidence by ensuring their money is working hard for them.
Every recommendation is backed by quantitative modelling and long-term cash flow projections, giving you the confidence to make informed financial decisions.
As an independent, fee-based financial planner, we aren't paid to sell investment products or earn money management commissions. That means unbiased advice focused on your goals, not sales targets.
Helping Canadians
Build Lasting
Financial Confidence
Independent
We are not tied to any bank, financial institution, or investment company. As an independent, fee-based financial planner, every recommendation is made with one objective: helping you achieve your financial goals, not meeting sales targets or promoting specific products.
Evidence-Based
Drawing on our backgrounds in engineering and data science, we use quantitative modelling, long-term cash flow projections, and risk analysis to evaluate financial strategies. Every recommendation is supported by objective analysis, helping you make informed financial decisions with confidence.
Personalized
Every financial plan starts with your goals, not financial products. By understanding what you want your future to look like, we work backwards to build a personalized financial plan tailored to your priorities, family, tax situation, and stage of life. As your life evolves, your financial plan evolves with it.
Financial Planning for Every Stage of Life
Buying Your First Home
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Saving for your first home requires balancing today's goals with tomorrow's opportunities. We'll help you develop a strategy that builds your down payment while keeping your overall financial plan on track.
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The First Home Savings Account (FHSA) and Home Buyers' Plan (HBP) can significantly help with purchase your first home. We'll help you determine how to use these programs together to maximize your tax savings and buying power.
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Buying a home is about more than qualifying for a mortgage, it's about ensuring your payments fit comfortably within your long-term financial plan. We'll help you understand what you can truly afford while leaving room for future goals.
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Beyond the purchase price, homeownership comes with closing costs, ongoing expenses, and unexpected surprises. We'll help you prepare for these costs so your transition into homeownership is financially comfortable.
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Your home is one of your largest financial investments. We'll review insurance needs, emergency savings, and risk management strategies to help protect both your home and your family's financial future.
Growing Your Family
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Growing your family often brings new financial priorities. We'll help you create a realistic budget that balances today's expenses with tomorrow's financial goals.
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Life is unpredictable, especially with a growing family. Building an emergency fund provides peace of mind and helps protect your long-term financial plan when unexpected expenses arise.
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As your family grows, so does the importance of protecting your income and loved ones. We'll help you determine the right insurance strategy for your family's unique needs.
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An RESP is one of the most effective ways to save for your child's education while taking advantage of valuable government grants. We'll help you build a strategy that maximizes these opportunities.
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Families may qualify for valuable tax credits, deductions, and government benefits. We'll help you understand the opportunities available and incorporate them into your overall financial plan.
Preparing for Retirement
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Retirement isn't just about building wealth, it's about creating a reliable income that supports the lifestyle you want. We'll help you develop a sustainable withdrawal strategy designed to last throughout retirement.
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Your investment portfolio should reflect your goals, time horizon, and comfort with risk. We'll help you build an evidence-based investment strategy designed for long-term success.
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Deciding when to start CPP and OAS can have a significant impact on your lifetime retirement income. We'll help you evaluate your options and determine the timing that best fits your retirement plan.
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The order in which you withdraw from your accounts can have a meaningful impact on the taxes you pay in retirement. We'll develop a withdrawal strategy designed to help you keep more of your retirement income.
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Estate planning helps ensure your wishes are carried out and your loved ones are cared for. We'll work with your legal and tax professionals to help integrate your estate plan into your overall financial strategy.
Services
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A comprehensive financial plan provides a clear roadmap for achieving your financial goals. We evaluate every aspect of your financial life, from cash flow and taxes to investing and retirement planning, to ensure your money is working hard to give you a better future.
Includes:
Goal-based financial planning tailored to your priorities
Comprehensive analysis of your current financial situation
Quantitative modelling and long-term cash flow projections
Actionable recommendations with a clear implementation roadmap
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Financial planning is not a one-time event. As your life changes, your financial plan should evolve with it. Through regular reviews, we'll adjust your strategy, monitor your progress, and help keep you on track toward your long-term financial goals.
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Do you already have a financial plan but need guidance on a specific financial decision?
We provide objective, independent advice on an ad-hoc basis for specific financial questions. Because this service focuses on a particular issue rather than your complete financial picture, recommendations are limited to the scope of the engagement.
About Fliesser Financial
Fliesser Financial was founded by Chris Fliesser PFA, P.Eng., to provide objective, evidence-based financial planning built around one simple principle: every recommendation should be made in the client's best interest.
Drawing on a background in engineering and a passion for financial planning, Chris combines quantitative modelling, long-term cash flow projections, and independent advice to help individuals and families make confident financial decisions. Rather than recommending one-size-fits-all solutions, every financial plan is built around each client's unique goals, priorities, and stage of life.
Fliesser Financial provides independent, fee-based financial planning for individuals and families across Ontario, with virtual meetings available across Canada.
