Financial clairity,
without the conflicts
Independent, advice-only financial planning for those who want expert guidance without product sales or asset management fees.
Is this you?
Who this is for
Teachers & Educators
You have a pension but still wonder if it's enough. If you're unsure whether you need to save more, considering a buyback, or trying to understand how everything fits together, this planning is designed to give you clarity and confidence.
Young Families
You're balancing saving for multiple goals and need guidance on priorities like education, home ownership, and retirement.
New to Financial Planning
For individuals who may have put off getting advice and are seeking clear, unbiased guidance without pressure, complexity, or high minimums.
Teachers & Educators
You have a pension but still wonder if it's enough. If you're unsure whether you need to save more, considering a buyback, or trying to understand how everything fits together, this planning is designed to give you clarity and confidence.
Young Families
You're balancing saving for multiple goals and need guidance on priorities like education, home ownership, and retirement.
New to Financial Planning
For individuals who may have put off getting advice and are seeking clear, unbiased guidance without pressure, complexity, or high minimums.
a different approach
What is advice only?
Advice-only means you pay for expert guidance, not product sales or asset management. Your advisor has zero financial incentive except to give you great advice.
Traditional Advisors
Earns commissions on products sold
Charges % of assets under management
Incentivized to gather more assets
May recommend proprietary products
Ongoing fees regardless of service
Advice Only
Flat fee for advice only
No products to sell
No assets to manage
100% objective recommendations
You stay in control
Traditional Advisors
Earns commissions on products sold
Charges % of assets under management
Incentivized to gather more assets
May recommend proprietary products
Ongoing fees regardless of service
Advice Only
Flat fee for advice only
No products to sell
No assets to manage
100% objective recommendations
You stay in control
services
What I help with
Financial Planning
Comprehensive analysis of your complete financial picture and personalized roadmap.
Tax Optimization
Strategic tax planning to minimize liability and maximize after-tax wealth.
Retirement Planning
Strategies to maximize savings, optimize withdrawals, and ensure lasting security.
Risk Management
Insurance analysis and protection strategies for you and your family.
The process
How it works
01
02
03
04
05
Discovery Call
A complimentary 20-minute call to understand your situation and see if we're a good fit.
Data Gathering
You share your financial documents and I analyze your complete financial picture.
Analysis & Planning
I develop personalized recommendations and strategies tailored to your goals.
Presentation Meeting
We review your plan together in a 90-minute deep-dive session.
Implementation Support
You receive a written plan and 30 days of follow-up support for questions.
1. Discovery Call
A complimentary 20-minute call to understand your situation and see if we're a good fit.
2. Data Gathering
You share your financial documents and I analyze your complete financial picture.
3. Analysis & Planning
I develop personalized recommendations and strategies tailored to your goals.
4. Presentation Meeting
We review your plan together in a 90-minute deep-dive session.
5. Implementation Support
You receive a written plan and 30 days of follow-up support for questions.
whats included
Simple, flat fees
I'm currently a QAFP™ candidate, and my pricing reflects this stage — simple, transparent, and designed to be accessible. As I complete my certification, pricing will evolve, but early clients benefit from introductory rates.
Comprehensive Financial Plan
Pay in full
$700
One - time payment - save $50
Comprehensive Financial Plan
Payment plan
$125 /month
6 installments — $750 total
Comprehensive Financial Plan
Pay in full
$700
One - time payment - save $50
OR
Payment plan
$125 /month
6 installments — $750 total
whats included
Initial discovery call
In-depth financial review meeting
Personalized written financial plan
Goal-setting and prioritization
Cash flow & budget analysis
Debt repayment strategy
Savings & investment guidance
Written summary & action items
30 days of follow-up email support
whats included
Initial discovery call
In-depth financial review meeting
Personalized written financial plan
Goal-setting and prioritization
Cash flow & budget analysis
whats included
Debt repayment strategy
Savings & investment guidance
Written summary & action items
30 days of follow-up email support
about
Hi, I'm Ben
I built Harbourlight Financial around a simple belief: financial planning should be built on clarity, support, and trust—never sales pressure.
As a high school finance, economics, and math teacher, my day job is taking complex, jargon-heavy money concepts and making them easy to understand. Teaching personal finance highlighted how unnecessarily confusing the financial world is made to be—and how many people feel left in the dark when it comes to their own money.
That classroom experience is the foundation of my practice. With a Master’s degree in Economics and years on the front lines of education, I specialize in helping teachers and growing families make sense of their whole financial picture - from optimizing TFSAs and RRSPs to managing monthly pay cheques, summer budgeting, and family wealth goals. While ATRF is the official administrator for pension calculations, I help you understand how your pension fits into your broader financial plan. I bring that same clear, educational approach to any individual or family looking to take control of their financial future.
My practice is advice-only by design. I do not sell investments or insurance, which means my guidance is always unbiased and tailored entirely to you.
Originally from Prince Edward Island, I bring that strong East Coast sense of community and connection to my work in Calgary, AB, where I am currently a QAFP® candidate building an approachable, transparent planning practice.
QAFP™ M.A B.Ed.
Candidate Economics Education
about
Hi, I'm Ben
I built Harbourlight Financial around a simple belief: financial planning should be built on clarity, support, and trust—never sales pressure.
As a high school finance, economics, and math teacher, my day job is taking complex, jargon-heavy money concepts and making them easy to understand. Teaching personal finance highlighted how unnecessarily confusing the financial world is made to be—and how many people feel left in the dark when it comes to their own money.
That classroom experience is the foundation of my practice. With a Master’s degree in Economics and years on the front lines of education, I specialize in helping teachers and growing families make sense of their whole financial picture - from optimizing TFSAs and RRSPs to managing monthly pay cheques, summer budgeting, and family wealth goals.
While ATRF is the official administrator for pension calculations, I help you understand how your pension fits into your broader financial plan. I bring that same clear, educational approach to any individual or family looking to take control of their financial future.
My practice is advice-only by design. I do not sell investments or insurance, which means my guidance is always unbiased and tailored entirely to you.
Originally from Prince Edward Island, I bring that strong East Coast sense of community and connection to my work in Calgary, AB, where I am currently a QAFP® candidate building an approachable, transparent planning practice.
QAFP™ M.A B.Ed.
Candidate Economics Education
get in touch
Send a Question
Not sure if this is the right fit? That’s okay. Have a question or want to learn more? Send me a message and I’ll get back to you within 1–2 business days.
Ready for financial clarity?
Book a free discovery call to discuss your situation and see how advice-only planning can help you reach your goals.
No obligation. No sales pitch. Just a conversation.
connect with me
connect with me
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