Wealth Management
Ongoing stewardship of your investments with rebalancing, drift monitoring and tax-aware withdrawals.
Kingston · Ontario · Est. 2016
Plan with intention.
Plan with intention.
Grow with confidence.
Finspire pairs human guidance with disciplined, evidence-based strategy — so every dollar you earn is working toward the life you're actually building.
$1.4BAssets advised
2,400+Households
10 yrsOf stewardship
Sample portfolio · 10-yr horizon
$842,610
2016201920222026
Built on principles trusted across Canadian wealth management
Fiduciary FirstFee-TransparentCRA-CompliantEvidence-BasedPrivacy-Forward
What we do
Advice that covers the whole picture, not just the portfolio.
Most people don't have a money problem — they have a coordination problem. We connect investing, tax, retirement and estate into one plan that moves together.
Financial Planning
A living roadmap for your cash flow, goals and milestones — revisited as your life changes, not filed away.
Investment Advisory
Low-cost, globally diversified portfolios built on decades of evidence — not predictions or hot tips.
Why Finspire
A decade of getting the boring things right.
Markets are noisy. Good advice is quiet, consistent and accountable. Here's what that looks like in practice.
→ FIDUCIARY
Your interests, in writing.
We're held to a fiduciary standard — legally bound to recommend what's right for you, not what pays us most.
→ TRANSPARENT
One fee, no surprises.
A single, plain-language advisory fee. No commissions, no hidden product kickbacks, no fine-print drift.
→ EVIDENCE
Discipline over drama.
Portfolios grounded in academic research and rebalanced by rule, so emotion never sets your strategy.
→ HUMAN
A real advisor, on your side.
You get a named advisor who knows your story — reachable, accountable, and in your corner for the long run.
$1.4B
Assets under advice
2,400+
Households served
98%
Client retention
10yr
Average advisor tenure
Client stories
We measure success the way you do — in nights you sleep well.
From first-time investors to families navigating a business sale, our clients stay because the plan keeps pace with their lives.
“
They turned a decade of scattered accounts into one clear plan. For the first time, I know exactly where we stand — and where we're headed.
RM
Rebecca M.
Physician · Kingston, ON
Your plan starts with one conversation.
Book a complimentary 30-minute consult. No pressure, no jargon — just a clear read on where you stand and what's possible.
About Finspire
We started Finspire to make great financial advice feel personal again.
For ten years we've helped Kingston households and business owners replace anxiety with a plan — built around their goals, not a product shelf.
Our story
Founded on a simple frustration.
Too much of the industry was built to sell products, not solve problems. We thought advice should be transparent, evidence-led, and genuinely on the client's side.
So in 2016 we opened our doors on Yonge Street with a fee-only model and one promise: every recommendation has to be in your interest, in writing. A decade and 2,400 households later, that promise hasn't changed.
- Fee-only, alwaysWe're paid by you, never by the products we recommend.
- Independent adviceNo parent bank, no sales quotas, no conflicts to manage around.
- Built for the long runWe plan in decades, and we're still here when it matters.
By the numbers
2016
Year founded
$1.4B
Assets advised
14
Advisors & planners
98%
Stay year over year
The road here
Ten years, one principle.
2016
Finspire opens on Yonge Street
We launch as a fee-only practice with a fiduciary pledge and our first dozen families.
2019
Crossing $250M advised
Word of mouth doubles the practice. We add dedicated tax and retirement specialists.
2021
Digital planning portal
Clients get a live view of their plan and progress — built in-house, privacy-first.
2024
Private Wealth division
A bespoke service line for business owners and high-net-worth families.
2026
$1.4B and 2,400 households
Still independent. Still fee-only. Still answering our own phones.
See what a real plan feels like.
Spend half an hour with an advisor who'll tell you the truth about your finances — and what to do next.
Services
Six disciplines. One coordinated plan.
Pick the piece you need today, or let us connect all of them. Either way, the strategy stays consistent and conflict-free.
Wealth Management
Hands-on stewardship of your portfolio: rebalancing by rule, drift monitoring, and tax-aware withdrawal sequencing as you draw down.
Financial Planning
A living roadmap covering cash flow, debt, insurance and goals — stress-tested against real scenarios and revisited each year.
Investment Advisory
Low-cost, globally diversified portfolios built on decades of academic evidence — matched to your risk capacity, not market noise.
Retirement Planning
RRSP, RRIF and TFSA strategy, CPP/OAS timing and a sustainable income plan — so your money lasts as long as you do.
Tax Strategy
Year-round, CRA-compliant tax efficiency: income splitting, registered-account sequencing and capital-gains planning.
Estate & Legacy
Wealth-transfer planning, beneficiary coordination and charitable giving — structured to protect what you leave behind.
How we work
A clear path from first call to confident plan.
STEP 01
Discover
A relaxed conversation about your goals, worries and what you actually want money to do for you.
STEP 02
Design
We model your plan, stress-test it, and show you the trade-offs in plain language before anything moves.
STEP 03
Implement
We put the strategy to work — accounts, investments and tax structure handled end to end.
STEP 04
Review
Ongoing check-ins, rebalancing and updates as markets move and your life evolves.
Not sure which service you need?
That's exactly what the first conversation is for. We'll help you figure out where the biggest wins are.
Plans
Transparent fees. No commissions. Ever.
Choose the level of support that fits where you are today. You can move up or down as your needs change.
Foundations
$1,200 / one-time plan
For individuals and young families building their first real financial plan.
- Comprehensive financial plan
- Cash-flow & debt strategy
- TFSA & RRSP setup guidance
- One 90-minute review
Most chosen
Growth
0.85% / yr on assets
Ongoing advice and investment management for established households.
- Everything in Foundations
- Active portfolio management
- Annual tax-efficiency review
- Live planning portal
- Two advisor reviews / yr
Private Wealth
Custom
Bespoke counsel for business owners and high-net-worth families.
- Everything in Growth
- Dedicated advisory team
- Estate & legacy planning
- Business-sale & succession
- Coordination with your CPA & lawyer
Tiered rates apply above $500k. Figures shown are illustrative — your exact fee is confirmed in writing before you commit to anything.
Good to know
Questions clients ask first.
Is the first meeting really free?
Yes. The introductory 30-minute consult is complimentary, with no obligation to continue.
Do you earn commissions?
Never. We're fee-only, so we're paid by you and have no incentive to push products.
Is there a minimum to invest?
No hard minimum for Foundations. Ongoing management suits portfolios from around $100k.
Can I switch plans later?
Absolutely. Most clients begin with a plan and move into ongoing management as needs grow.
Contact
Let's talk about what's next for you.
Send a note or call the office. We reply to every enquiry within one business day.
Visit the office
Finspire Advisory
3804 Yonge Street, Apt 26
Educational Campus, University District
Kingston, ON G4W 9V2 · Canada
3804 Yonge Street, Apt 26
Educational Campus, University District
Kingston, ON G4W 9V2 · Canada
Call us
Office hours
Monday – Friday · 9:00am – 5:30pm
Evenings & weekends by appointment
Evenings & weekends by appointment
Book your free consult
Tell us a little about your situation and we'll be in touch within one business day.
Finspire · 3804 Yonge St