When I started as a financial planner in 2009, I believed that if you had a perfectly crafted plan—with every “what-if” accounted for—you’d be set for life. That felt like the job: solve the numbers, solve the problem. But life taught me otherwise.

A Lesson Life Taught Me
Over the years, I’ve learned that financial journeys rarely go in a straight line—no matter how much we wish they would. Life throws curveballs—job loss, health scares, family changes, market volatility. I’ve experienced this firsthand: immigrating from Hong Kong to Canada, facing an unexpected layoff, and navigating seasons when serious illness touched those closest to me—strokes, cancer, and all the uncertainty that comes with them. These moments reshaped how I see financial planning. What we need isn’t a prophet who promises certainty, but a guide who helps us respond thoughtfully rather than react in fear.

These experiences didn’t just change how I approach planning—they deepened my desire to help others feel prepared for life’s uncertainties and free to enjoy the life they’ve been planning and dreaming about.

Supporting One of Life’s Biggest Transitions
That’s why I focus on helping pre-retirees and newly retired Canadians through one of life’s biggest transitions: moving from the reliability of a paycheck to drawing income from savings that must last 30 years or more. I understand the stress of watching your investments rise and fall—and the anxiety of wondering, after each life event or market dip, whether your plan will still carry you where you want to go.

That’s often the moment to take a breath—not to start over, but to realign your decisions with what truly matters.

This is where intentionality becomes crucial.

Because time and money are both limited, it’s worth pausing to ask: What really matters? What should take priority? That’s the heart of how I work with clients. My role is to help you make wise financial decisions that align with what matters most—so you can spend less time worrying and more time enjoying the life you’ve planned, with the confidence to adapt when life changes.

There’s No One-Size-Fits-All Plan
Every person I work with brings different values, goals, and concerns to the table—which is why I don’t believe in a one-size-fits-all approach to retirement planning. Some people find comfort in insurance-based products that offer guaranteed income for life, while others prefer the flexibility and growth potential of market-based investments. What matters most is understanding your personality, your priorities, and what helps you sleep well at night.

What Success Really Means
Add to this the complexity of Canada’s tax system and government benefits, and it becomes clear why thoughtful, personalized guidance matters. Success isn’t measured only in dollars—it’s measured in confidence and peace of mind. My clients leave our planning process knowing they’ve made wise decisions that align with what matters most to them, and that they’re prepared for whatever life brings.

I believe financial planning is ultimately about building a life worth enjoying—and in my own life, that starts around the dinner table.

A Bit About Me
When I’m not working, I enjoy cooking for my family and trying out new recipes. There’s something deeply satisfying about gathering around the table, sharing a meal, and creating space for conversation and connection. My family and I are also active in our local church, where we serve and share life with others in the community. These moments—around the table and in our community—remind me of what really matters, and they shape the way I approach my work with clients as well.

—Vincent