Toronto, ON
Financial Advisor in Toronto, ON
Ocean 6 is a fee-for-service financial planning firm serving Toronto's incorporated professionals and business owners. We plan, coordinate, and implement, virtually, coast to coast.
Toronto, ON
Financial Advisor in Toronto
Finding the right financial advisor in Toronto means navigating one of Canada's most competitive financial markets. Toronto professionals (from Bay Street executives to healthcare specialists, tech founders to real estate investors) face financial complexity that most generalist advisors are not equipped to handle. The incorporated professional structure, retained earnings strategy, and corporate tax planning that define wealth-building in Toronto require an advisor who works in this space every day.
Ocean 6 is a fee-for-service financial planning firm that works with Toronto's incorporated professionals and business owners. We specialize in the full picture (tax strategy, insurance inside and outside the corporation, investment structure, estate planning, and retirement) coordinated into a single plan under a flat annual retainer. Our advisors hold CFP®, CLU®, and CIM® designations, covering every dimension of your financial strategy in-house.
Whether you're a physician in Yorkville, a lawyer in the Financial District, or a tech founder building toward an exit, the right financial advisor in Toronto should understand how incorporated structures work, not just your investment account. We serve Toronto clients virtually and meet with you on your schedule. If you've outgrown your bank's wealth division, we'd like to talk
Comprehensive Planning
Financial Planner in Toronto
A financial planner in Toronto focused on incorporated professionals does something a portfolio manager cannot: they look at your entire financial picture at once. How much to draw from your corporation. How much to retain. Whether your insurance is structured inside or outside the corp and what that means for your estate. Whether you're positioned for a Capital Gains Exemption. These questions interact, and the answers depend on your specific situation, not a template.
Ocean 6's financial planning process starts with a deep discovery of your corporate and personal financial position, then builds a coordinated strategy across compensation, tax, insurance, investments, and estate planning. We work alongside your accountant and lawyer, briefing them on planning decisions and keeping everything aligned. This is the Do It For You Method™, you stay focused on your practice or business while we handle the financial coordination.
Most Toronto professionals managing $500K or more in personal and corporate assets find that the planning work (not the investing) is where the real opportunity lies. Getting salary and dividend ratios right, maximizing CDA balances, structuring insurance tax-efficiently, these decisions compound over a career in ways that individual investment returns rarely do. We build that strategy and keep it current as your life and business change.
Fee-For-Service. Advice First.
Fee-for-Service Financial Advisor in Toronto
Fee-for-service financial advice is uncommon in Toronto. The vast majority of financial advisors and wealth managers in the city (including those at major banks and brokerages) are compensated by commission, trailer fees, or management expense ratios built into the products they sell you. Their income depends on what they recommend. Fee-for-service means something structurally different: you pay a flat fee for advice, and nothing your advisor recommends generates income for them.
The implications for advice quality are significant. A commission-based advisor has a financial incentive to recommend products with higher embedded fees, maintain accounts at their institution, and keep insurance policies in force longer than optimal. A fee-for-service advisor's only incentive is giving you the best possible advice. For incorporated professionals in Toronto managing significant corporate and personal wealth, this distinction is worth understanding before engaging any advisor.
Ocean 6 charges a flat annual retainer and earns nothing from the strategies we recommend. When we suggest a corporate-owned life insurance policy, an estate freeze, or a particular investment structure, it is because it is the right strategy for your situation, not because it generates a commission. If you are looking for a fee-for-service financial advisor in Toronto, we would welcome a conversation.
