Athena Financial · British Columbia & Ontario
Make your money work harder for you. We help match your investments to your goals, your timeline, and the level of risk you are comfortable taking.
Book my complimentary assessment20-minute introductory call · No charge · No obligation
Start with what matters to you
We handcraft customized solutions tailored to each client. Which priority would you bring to our first conversation?
Your starting point: Match risk to my goals
Let’s talk about itUnderstand your options
Your goal and timeline come first. Money for a near-term purchase needs a different level of risk than money intended for retirement decades away.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We consider both how you feel about market changes and how much loss your plan could withstand. A suitable portfolio has to fit your life, not just a questionnaire.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Each account has different rules for contributions, growth, and withdrawals. We help connect your account choices with your tax position and what the money is for.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
A change in income, family, time horizon, or goals can change what you need from your investments. Regular reviews help keep your strategy connected to your plan.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
We learn about your financial habits, your goals, and what matters most to you.
Start with a complimentary conversation
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
We implement your plan and stay connected as your work, family, and priorities change.
Keep your plan moving with your life
Real people. Real experiences.
“HIGHLY RECOMMENDED! I've been working with Athena Financial for a few years now and the shape of my finances has never been better. Ken and his team are knowledgeable, responsive, and easy to partner with. As a beginner investor back when I started, I felt I had a lot to learn but Ken was great about breaking down concepts to make things easy to understand.”
“Ken and his team is AMAZING !! I been working with them since 2019 and it's still going . Very easy team of people to work with and very responsive to my questions . I highly recommend them !!”
“Ken always goes above and beyond to help you get your money invested the right way. Amazing experience as 5 year client.”
Before we meet
The best investment strategies for professionals in Ontario and British Columbia depend on your income level, corporate structure, time horizon, and financial goals. Common strategies include maximizing RRSP and TFSA contributions, investing retained earnings inside a professional corporation, using segregated funds for creditor protection, leveraged investing through investment loans, and building a diversified portfolio across registered and non-registered accounts. Athena Financial builds a personalized strategy tailored to your specific situation.
For incorporated professionals in Ontario and British Columbia, investing retained earnings inside the corporation is often more tax-efficient in the short term — because corporate tax rates on active business income are significantly lower than personal rates. However, passive investment income inside a corporation is taxed at a higher rate. Athena Financial helps you determine the optimal split between personal and corporate investing based on your specific tax situation and financial goals.
Athena Financial begins with a thorough discovery process — understanding your income, expenses, risk tolerance, time horizon, existing assets, corporate structure, and financial goals. We then design a customized, tax-efficient investment strategy that integrates your registered accounts, non-registered accounts, and corporate investments into a single, cohesive plan reviewed and updated regularly.
Tax planning is one of the most important — and most overlooked — components of an effective investment strategy. For high-income professionals in Ontario and British Columbia, the difference between a tax-efficient and tax-inefficient investment strategy can amount to hundreds of thousands of dollars over a career. Athena Financial integrates tax planning into every investment recommendation we make.
Yes. We serve professionals and business owners throughout British Columbia — including Vancouver, Richmond, Burnaby, Surrey, Kelowna, and Victoria — and across Ontario, including Toronto, Mississauga, Ottawa, Hamilton, London, and Kitchener-Waterloo. Both in-person and virtual consultations are available.
Your next chapter starts here
Bring the question on your mind. Your first conversation is complimentary, with no obligation.
Complimentary 20-minute call · No obligation
“Ken and his team are knowledgeable, responsive, and easy to partner with.”