A growing career. A busy family. More decisions to make. We help your salary, savings, mortgage, and protection work together, around the life you want.
I have a salary and a workplace pension. Isn't that enough?
While a salary and pension provide excellent security, a personalized plan helps connect every element of your financial life—from RRSP contributions to tax management—to support your goals to support your long-term goals.
A closer look
True empowerment comes from coordination. We help you align your contributions, coverage, and debt strategies, providing regular reviews to ensure your plan evolves alongside your career and family needs.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
How much RRSP room am I leaving unused?
A Registered Retirement Savings Plan (RRSP) can reduce taxable income when you contribute, with tax generally deferred until withdrawal. Your latest notice of assessment shows available contribution room, including any pension adjustment.
A closer look
The right contribution depends on your income, future withdrawal needs, and other savings goals. Unused room can be carried forward; it does not mean you should contribute all of it immediately.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Is my group insurance through work actually enough?
Workplace group plans offer excellent foundational value, and we help you make the most of them. We also work with you to identify where additional, personalized coverage might offer your family greater flexibility and long-term security.
A closer look
Check benefit amounts, definitions, waiting periods, and what happens if you change jobs. Workplace coverage can be valuable, but your family’s needs may require a separate review.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
How do I save for my children's education?
A Registered Education Savings Plan (RESP) lets you save for a child’s education with tax-deferred growth. Eligible contributions may qualify for government education savings grants, subject to annual and lifetime limits.
A closer look
Erin Peng has specialised in RESPs and children's insurance since 2018, and she sets these up more than anything else. Contributions grow tax-sheltered, and withdrawals for qualified education are taxed in the student's hands, which usually means little or no tax.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
Should I pay down the mortgage or invest?
Compare your borrowing costs, tax position, investment risk, and timeline. Paying down debt and investing each have a role; the right balance depends on your numbers and comfort with uncertainty.
The right choice depends on your income, family, and goals. We’ll look at your whole picture, not just one account.
What happens to all of this if I change jobs?
A job change can affect your group insurance, pension options, and cash flow. Before leaving, check when benefits end, whether conversion options exist, and what deadlines apply to pension decisions.
A closer look
Keep savings and tax plans connected to your new income. We can help review the financial questions to consider before the transition.
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
02
Solutions Meeting
We handcraft a personalized financial plan, with clear recommendations and strategies.
Understand your options and next steps
03
Wealth And Maintenance
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.
Confidence starts with trust.
5.0 · 100 Google reviews
“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.”
Jessica Tam
“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 !!”
Christina Ng
“Ken always goes above and beyond to help you get your money invested the right way. Amazing experience as 5 year client.”
I already have a workplace plan. Why would I need an advisor?+
A workplace plan is just one piece of the puzzle. We help you coordinate your RRSP, TFSA, mortgage, and insurance into a single, cohesive strategy that empowers your entire financial life.
Can you help me understand my pension at work?+
Yes. We can explain what your contributions are buying, how a defined benefit pension changes your RRSP room, and what your options are if you change jobs.
Do I have to move my investments to work with you?+
No. If your current accounts fit your plan, we will tell you. The first assessment looks at what you have and where it makes sense to make changes, if any.
What happens in the complimentary assessment?+
In our 20-minute assessment, we explore your financial goals and current resources. Your advisor can provide insight on your finances, offered at no charge to you.
