Financial planning · Saskatoon, serving all of Canada
You're earning well. Do you know where the money is going?
Most people we meet have a good income and no plan behind it. In one 30-minute conversation we'll tell you what to fix first, what can wait, and what it would look like to have it all working together.
Book your free 30-minute call Is this for me?
What you walk away with
A clear answer to the question that brought you here, and a written plan if you want one.
- Which account to fund first, and how much
- Whether your family is actually protected, or just insured by your employer
- What to do with cash sitting in a chequing account or a corporation
- When you can realistically stop working, in a number
Is this for me?
Find yourself below
I'm new to Canada and nothing is set up
Good job, good income, everything in a chequing account. Everyone says RRSP, TFSA, RESP. Nobody explains the order.
Start here →We have kids and a mortgage on one or two incomes
You want to know your family would be okay no matter what, and you want to start building, not just paying bills.
Start here →I'm incorporated and the money is piling up in the company
Salary or dividends? What do I do with the surplus? How does this turn into a retirement?
Start here →I started late and I'm not sure I can catch up
You're 45 with a decade of Canadian savings behind you instead of two. You want a real number, not reassurance.
Start here →I want my kids to finish school without debt
You've heard the government matches your savings. You haven't set it up. Every year you wait is money gone.
Start here →I just have a question
RRSP or TFSA first? How much do I need to retire? What happens to the RESP if they don't go? We've written the answers.
Read the answers →What a plan covers
One plan, everything connected
Most people have pieces: an RRSP at the bank, coverage through work, a corporation their accountant files for. A plan connects them so each decision helps the others.
Where your money goes
Which accounts to fund, in what order, and how much, based on your income now and in retirement.
Keeping more of it
RRSP, TFSA, RESP, FHSA and, if you're incorporated, the corporation itself, used so you pay less tax over your lifetime.
Protecting the plan
If your income stopped, would the plan survive? We check, and fix it with the minimum coverage that does the job.
Retirement, in a number
What you'll need, what the government will pay, and what your savings must produce, so you know when you can stop.
Your children
Education savings that collect every grant you're entitled to, and a plan for what they inherit.
Your business
Salary vs. dividends, investing inside the corporation, protecting it, and getting the money out in retirement.
What clients say
In their words
Who you'll work with
Planners who've sat where you're sitting
Most of us built our careers after arriving in Canada. We know what it's like to earn well and not know how the system works here.
Reynolds Edokpayi
Lead Financial Advisor · Founder
Incorporated professionals and business owners
Anderson Agbugba
Financial Advisor
Business owners, and families and professionals with ties in Canada and the U.S.
Deborah Edokpayi
Financial Advisor
Families, and women building their first financial plan in Canada
Jennifer C. Agu
Financial Advisor
Individuals and young professionals getting started
Answers
Questions people ask before they book
I just moved to Canada. What should I set up first with my money?
In this order: SIN and bank account; protection for anyone who depends on your income; a TFSA; then RRSP as Canadian income create…
Read the answer →Do my parents need insurance to visit me in Canada on a super visa?
Yes. For a super visa, the government requires private medical insurance of at least $100,000 CAD, valid for at least one year fro…
Read the answer →I send money home every month. How do I still build savings in Canada?
Treat the money you send home as a fixed expense in your plan, not an afterthought. Then protect your income first (because two fa…
Read the answer →Common questions
Questions people ask us
Who does Zenith Advisory Inc. work with?
Zenith Advisory Inc. is a financial planning firm that works with professionals, incorporated business owners and families across Canada, with a particular focus on clients who built their careers after arriving in Canada. The firm is based in Saskatoon, Saskatchewan, and meets clients in person or by video.
How much does it cost to work with Zenith Advisory?
Zenith Advisory does not charge clients out-of-pocket fees for planning, reviews or advice. When a financial strategy is put in place, the firm is compensated by the financial institution it is placed with. This is explained before you decide anything, and there is no obligation after the first call.
Where is Zenith Advisory located?
Zenith Advisory Inc. is at Unit 301, 39 23rd Street East, Saskatoon, Saskatchewan, S7K 0H6. Clients anywhere in Canada can meet by video. The office phone is 1 (800) 647-8656.
What happens on the free 30-minute call?
You tell us your situation and what you're trying to do. We tell you, honestly, what we'd look at first and roughly what it involves. No preparation is needed. It ends with clear next steps, and you decide whether to continue.
Do I need to live in Saskatchewan?
No. Zenith Advisory's advisors are licensed in several provinces, including Saskatchewan, Alberta and Ontario, and meet clients across Canada by video.
Get started
Your next step is a 30-minute conversation
- Book your free call. 30 minutes, no prep, no obligation.
- Get your written plan. Where you are, where you're going, and exactly what to do, in one document you can read.
- Put it to work. We implement it with you and review it every year.