Financial Guidance for Canadians

Haven is like a personal fitness trainer for your money --with a twist. Here your trainer can do your workouts on your behalf. Like a great personal trainer, Haven will help articulate your core values, put pen to paper on your vision for the future, build out a financial action plan to get there and keep you accountable along the way.

There is no doubt self-managing your investments has become cheaper.

It is our observation that in lieu of a deep passion for personal financial planning, DIY investors are leaving too much on the table. The unique complexities involved in an affluent household far exceed what a brokerage is prepared to offer. 

Our clients understand where they can achieve th best return on their time. They observe the efficiencies we create by utilizing industry leading tools and decades of experience building solutions for hundreds of unique client situations.

And of course, for those who love to invest on their own, we’re happy to have sophisticated clients take the reins on their investments while utilizing us for financial advice and planning.

The moment your household has money left over at the end of each month.

No. In fact, Haven offers a no questions asked money-back/transer-back guarantee. If you're not aboslutely ecstatic about the result, we will send your assets back to where they came from and refund your planning fee. To this day we've never had a client request a refund.

At the core of what we do is financial planning. We help our clients get clear on their values, determine their goals, then use state of the art technology to build a written plan to achieve your goals, and review it with you regularly. 

Oftentimes these plans require the use of financial products and services, like investments, insurance, lending solutions and more. Our job is to provide and coordinate these services in pursuit of your goals and values.

Yes. Haven believes this should be par for the course.

What surprises most tenured investors is our fee structure. Clients pay up for what we believe matters most -- custom tailored financial plans and wealth coaching (starting at $3,497). This allows us to offer industry leading fees on a go-forward basis. Our smallest accounts pay us 0.75% on the assets we manage. Fees are then reduced downward as account sizes grow. This fosters commitment to the planning process while allowing our clients capital to compound larger by reducing ongoing fees.

All of our advisors are FP Canada Certified and hold the industry best “Certified Financial Planner” designation. Although your advisor at Haven may hold additional designations and has chartered their own path to proficiency, it’s important to know that in our firm, a CFP is table stakes.

Your money is as safe with us (or safer) as it would be at a large Canadian bank. Haven and its service providers are separate entities run in distinct silos.This ensures that in any downside event (our bankruptcy, or data breach) your assets and information are protected at a third party custodian (Fidelity Clearing Canada). Custodied assets are also backed by CIPF insurances.

See our process video. It lays out exactly what to expect in detail.

Data collection is the easy part. The challenge may be having conversations around money that you’re not used to having. We encourage our prospective clients to come with an open and explorative state of mind. 

With this said, it would save you time to have an income statement and balance sheet for your household, as well as access to your MyCRA Online accounts.

When transferring into (or out of) Haven's ecosystem, simply send us the statements and sit back while we do the rest.

We will never transfer anything that has adverse tax consequences or fees from a previous provider (unless you explicitly request it and we have a strategy to negate or minimize the costs).

Yes, and it’s not just any old portal, we are proud to utilize the single greatest personal financial planning platform for Canadians and their Advisors -- Link bank accounts to aggregate live income and spending data, dynamically update your financial plan on the fly, share documents, book meetings, review notes and communicate with your advisor all from one central place. Most of our clients find themselves using online banking apps less and less as our platform provides more empowering insights. 

In addition to data and communications in our cutting edge financial planning portal, clients in our flagship offer will receive direct and personalized communication several times per year with at least one major household planning meeting.