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How it works

Most financial tools leave you guessing.
Your Pocket Advisor tells you what to do.

Your Pocket Advisor tells you what to do, then helps you do it.

Get Your Free Financial Game Plan

Takes about an hour. No credit card required.

What we do

Your Pocket Advisor does three things.

  • ✓We make money stuff simple and sort out the complexity of your finances.
  • ✓We tell you how to make the best decisions you can make with your money.
  • ✓We help you actually do the work to stay on track through the years as your life changes.

You've probably tried something like this before.

Bank apps show spending. Investment platforms show value. Retirement calculators ask you to guess, then give you numbers without context.

None do a great job of answering the question most people actually care about:
Are we going to be okay?

Three questions. Your real numbers. A clear, plain-English plan with no guesswork and no jargon.

Our analytical process is built on the CFP curriculum, the financial planning framework established by FP Canada and used by Certified Financial Planners across the country.

What we answer

Have you ever felt like you're not seeing the big picture?

Three questions that change how you see your finances.

Question 01

Are we going to be okay?

Most Canadians carry a quiet worry about their finances. Not just retirement. Their mortgage, their savings rate, their debt, their kids, their job. The whole picture. And most have never had someone sit down and give them an honest answer.

We look at everything: what you earn, what you spend, what you owe, what you've saved, and where you're headed. We bring it together into one honest assessment of your complete financial life.

You get a clear answer, not a graph with disclaimers. Then we show exactly which changes move the needle and by how much.

Sample output
At your current pace: Retire at 63 · $6,200/month · 82% probability to age 95
If you make one change
Delay CPP to age 70 → +$520/month, guaranteed, for life
Another improvement
Lower investment fees from 2.1% to 0.2% → retire 14 months earlier
Example: investment fees
You're paying ~$4,100/year in fees on bank mutual funds. Over 20 years, that drag could cost $184,000 in lost growth.
Example: unused TFSA room
You have $22,000 in unused TFSA room in a 1.2% savings account. Moving it could add $31,000 over 10 years.
Example: employer match
Your employer offers a 3% pension match you're not capturing. At your salary, that's $3,840/year in free retirement savings going unclaimed.
Question 02

Where do we actually stand today?

Most people have never seen their full financial picture in one place. Net worth, cash flow, debt load, savings rate, all of it, honest and clear.

We find yours. One clear finding: the single thing that, if fixed, makes the biggest difference to your future.

Users call this the "aha." The number is specific. The impact is real.

Question 03

What should we do next, step by step?

Most advice is either too generic to act on or too overwhelming to start. We give you three specific moves, ranked by dollar impact, with clear explanations for your situation.

No theory. No list of 40 things. Just: here's what to do, here's what it's worth, here's how.

Sample output: Your Top 3 Moves
1. Move mutual funds to low-cost ETFs
Saves $4,100/year in fees · Adds ~$184,000 at retirement

2. Maximize TFSA contributions
$22,000 in unused room · Tax-free growth on idle cash

3. Delay CPP to age 70
+$520/month guaranteed income · Worth it if you're in good health

The process

Simple. Ongoing. Always improving.

No appointments. No jargon. Every step follows the CFP financial planning framework, the same methodology used by Canada's top professional planners, built into a tool anyone can use.

01
Tell us about your finances
Income, savings, debts, and goals. No account connections needed.
02
We run your numbers
CFP-standard methodology: Canadian tax rules, CPP, OAS, TFSA, and RRSP limits, all of it.
03
Get your Financial Game Plan
Your health score, your full outlook, and your top moves with a dollar value on each one.
04
We help you get it done
Step-by-step guidance, monthly check-ins, and updated plans as life keeps changing.
Always evolving with you
Get Your Free Financial Game Plan

No credit card. No advisor pressure. No sales pitch.

Why it's different

Most tools show you data.
We give you a plan.

There's no shortage of apps that track your spending or show your portfolio. What's rare is something that brings it all together and tells you what to do about it.

Your complete financial picture
Not just your investments. Not just your budget. Your income, debts, savings, goals, and retirement outlook together in one honest assessment.
Specific moves, ranked by impact
We don't give you a list of 40 suggestions. We show you the three things worth doing now, with a dollar value attached to each one.
Built for how Canadian finances actually work
TFSA room, RRSP strategy, CPP timing, OAS, provincial tax rates. Every recommendation is calculated using your actual numbers and the right rules for Canada.
A plan that stays current
Your finances change. New job, new house, new priorities. Monthly check-ins and updated plans mean you're always working from something current, not something you answered once and forgot about.

Ready to actually know?

Join Canadians who finally understand where they stand. Takes about an hour to complete.

Get Started Free
No credit card required No advisor No sales pitch