Built from broken trust. Designed for yours.
| The Panorama Way |
|
A planning experience, not just a plan. |
| Every family we serve goes through the same method, so the advice you receive is the Panorama Way and not one person's opinion. |
The Planning Experience
You don't get handed a plan and sent home. Over a 12-month engagement your plan can be ready in as little as 30 days, and then you work through each planning area in workshop-style meetings at your pace, with check-ins in between so nothing drifts.
The Personal Touch
A real person, or a real team, knows your family and your numbers, like the planner who remembers your daughter starts school next fall. Technology saves us time on data entry so our time together goes to the conversation.
The Money Story
Before we model a single scenario we spend time on what money means to you and your partner, because a plan you can't stick to on a hard day is not a good plan. We solve for peace of mind and the best financial outcome together.
| The Journey |
|
How a broken industry created a better model. |
This isn't just a bio, it's the reason every decision at Panorama is built around your interests and the reason the Panorama Way exists.
The beginning, well-meaning, but wrong
Entered the financial services industry eager and trusting. Trained to sell insurance and investment products. Sincerely believed this was how financial advice worked.
The mentor turns out to be the lesson
The mentor Jim had put complete faith in turned out to be more interested in his own bottom line. The fallout was painful, expensive, and nearly ended a career before it started.
Walking away from commissions entirely
Made the decision that trust only works with full transparency. Restructured the practice as fully advice-only, paid directly by clients, with nothing to sell and no incentive to recommend anything other than what's right.
CFP® designation, and a revelation
Becoming a Certified Financial Planner completely reframed what real financial planning is. It's not about sales. It's about understanding someone's entire life and building strategy around that.
Panorama Financial Planning is born
Founded the firm with a single principle: advice that is in your best interest. Virtual-first from day one, serving BC, Alberta, and Ontario.
Personal CFO for high-income Canadian families
Focused on the full personal financial picture for incorporated professionals and high-income families, investments, insurance, estate planning, and everything in between.
The beginning, well-meaning, but wrong
Entered the financial services industry eager and trusting. Trained to sell insurance and investment products. Sincerely believed this was how financial advice worked.
CFP® designation, and a revelation
Becoming a Certified Financial Planner completely reframed what real financial planning is. It's not about sales. It's about understanding someone's entire life and building strategy around that.
The mentor turns out to be the lesson
The mentor Jim had put complete faith in turned out to be more interested in his own bottom line. The fallout was painful, expensive, and nearly ended a career before it started.
Panorama Financial Planning is born
Founded the firm with a single principle: advice that is in your best interest. Virtual-first from day one, serving BC, Alberta, and Ontario.
Walking away from commissions entirely
Made the decision that trust only works with full transparency. Restructured the practice as fully advice-only, paid directly by clients, with nothing to sell and no incentive to recommend anything other than what's right.
Personal CFO for high-income Canadian families
Focused on the full personal financial picture for incorporated professionals and high-income families, investments, insurance, estate planning, and everything in between.
| Meet the Team |
|
The people behind the Panorama Way. |
| We are growing carefully, adding planners only when they can deliver the Panorama Way to the same standard. |
| What We Stand For |
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The principles that make everything different. |
| These aren't just words on a page. They're how we show up for clients, in every conversation and every recommendation. |
Full Transparency
No hidden fees. No product commissions. No wondering if the recommendation is good for you or for us. You know exactly what you're paying and exactly why we're recommending it.
Your Interests First
The truth is that the structure matters more than the label: you are the only one who pays us and we never sell products, so nothing pulls our advice away from what is best for you. It is the difference between someone selling you something and someone working for you.
Real Expertise
CFP® designation and TEP Candidate. Deep specialisation in corporate tax strategy, CCPC planning, and the complexity of incorporated professionals. Not generalist advice dressed up in jargon.
Coordinated Strategy
We connect with your accountant, your lawyer, your mortgage broker. Not everyone does this. We do, because isolated advice rarely produces optimal outcomes.
Education First
You should understand every recommendation we make. A financially literate client makes better decisions, which is why we teach, not just tell.
Long-Term Relationships
We're not here to do one plan and move on. We're here for the long haul, the promotion, the new baby, the business decision, the tough year. We want to be the person you call when life happens.
If you want advice from
someone with nothing to sell, let's talk.
The first call is 45 minutes and gives you an honest look at your situation and whether we're the right fit.