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'm originally from Prince Edward Island, where a strong sense of community and connection shaped how I see the world. Harbourlight Financial reflects that influence - a focus on guidance, trust, and helping people move forward with confidence.
I have a background in economics and mathematics, with a master's degree from Carleton University. Early in my career, I worked in research and policy roles with the federal government, focused on financial systems, taxation, and economic data. After moving to Calgary, I spent time in market research before returning to school to earn my education degree. Since then, I have taught high school math, economics, business, and finance.
Teaching showed me how often capable, hardworking people feel unsure about money - not because they are careless, but because it is rarely explained clearly. I am passionate about personal finance education and helping people understand the opportunities available to them.
My practice is advice-only by design. I do not sell investments or insurance. I wanted to create a different kind of financial planning - one built on clarity, support, and trust rather than sales pressure. I am currently a QAFP candidate and working toward full certification while building an approachable, transparent planning practice in Calgary, AB.
QAFP™ M.A B.Ed.
Candidate Economics Education
about
Hi, I'm Ben
I'm originally from Prince Edward Island, where a strong sense of community and connection shaped how I see the world. Harbourlight Financial reflects that influence - a focus on guidance, trust, and helping people move forward with confidence.
I have a background in economics and mathematics, with a master's degree from Carleton University. Early in my career, I worked in research and policy roles with the federal government, focused on financial systems, taxation, and economic data. After moving to Calgary, I spent time in market research before returning to school to earn my education degree. Since then, I have taught high school math, economics, business, and finance.
Teaching showed me how often capable, hardworking people feel unsure about money - not because they are careless, but because it is rarely explained clearly. I am passionate about personal finance education and helping people understand the opportunities available to them.
My practice is advice-only by design. I do not sell investments or insurance. I wanted to create a different kind of financial planning - one built on clarity, support, and trust rather than sales pressure. I am currently a QAFP candidate and working toward full certification while building an approachable, transparent planning practice in Calgary, AB.
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
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