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Vancouver, BC

Financial Advisor in Vancouver, BC

Ocean 6 is a fee-for-service financial planning firm based in Vancouver, specializing in incorporated professionals and business owners across British Columbia and Canada.

Vancouver, BC

Financial Advisor in Vancouver

Finding the right financial advisor in Vancouver means more than finding someone who can manage a portfolio. It means finding an advisor who understands the full picture (your corporation, your tax situation, your insurance gaps, your estate, and your retirement) and who can coordinate all of it into one plan that actually moves forward.

Ocean 6 is a Vancouver-based financial advisory firm built specifically for incorporated professionals and business owners. We work with clients who have outgrown one-size-fits-all advice at a bank or brokerage, and who want an independent advisor paid for advice, not for selling products. Our advisors hold CFP®, CLU®, and CIM® designations and have spent their careers working with the complexity of incorporated structures, retained earnings, and corporate tax strategy that defines the financial lives of Vancouver's top earners.

Whether you're an incorporated professional in Yaletown, a business owner in East Van, or a physician with a practice on the North Shore, a good financial advisor in Vancouver should be someone you can call when a financial decision arises, not just someone who sends you a quarterly statement. That's the practice we've built.

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Comprehensive Planning

Financial Planner in Vancouver

A financial planner and a financial advisor are often used interchangeably, but the distinction matters. A financial planner in Vancouver focuses on your complete financial picture (cash flow, tax strategy, insurance, retirement projections, estate planning) not just your investment account. At Ocean 6, we lead with planning because the investments are rarely the most important problem our clients face.

Most Vancouver professionals managing significant personal and corporate assets need coordinated planning across multiple domains: how much to pay themselves from their corporation, how much to contribute to their RRSP, how to structure insurance inside versus outside the corp, and how to position assets for an efficient estate transfer. These decisions interact. A plan that optimises one without considering the others often creates problems elsewhere. Our financial planning process builds all of these into a single coordinated strategy, reviewed annually, updated as your situation changes.

We take the planning work off your plate. You make the decisions; we do the analysis, brief your accountant and lawyer, and keep everything moving in the same direction. That's what we call the Do It For You Method.

Our Planning Approach

Fee-For-Service. Advice First.

Fee-for-Service Financial Advisor in Vancouver

Fee-for-service financial advice means you pay a flat fee for advice, and your advisor earns nothing from the products they recommend. No trailing commissions on mutual funds. No referral fees from insurance companies. No back-end loads. The advice you receive is not influenced by what pays the advisor, because nothing does, except you.

This model is still relatively uncommon in Canada. many advisors are compensated through commissions on the products they sell, which can tie their income to what they sell you. Fee-for-service advisors have one client: you. Their job is to give you the best possible advice, not to maximize revenue generated by your portfolio or insurance premiums. For incorporated professionals managing complex financial situations, this distinction is worth understanding before you engage anyone.

Ocean 6 charges a flat annual retainer. You know what you're paying. You know what you're getting. And you know that when we recommend a strategy (whether it's corporate-owned life insurance, an estate freeze, or a specific investment structure) we're recommending it because it's right for you, not because it pays us a commission.

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Holistic Wealth Strategy

Wealth Management in Vancouver

Wealth management in Vancouver, done well, is not about picking stocks. It's about building and protecting wealth across every domain of your financial life (tax, insurance, investments, estate, and corporate structure) in a way that is coordinated and intentional. For most of our clients, tax efficiency matters as much to long-term wealth as investment returns, and sometimes more. Getting the salary vs. dividends decision right each year, managing passive income inside the corporation, and positioning assets correctly for an eventual business sale can be worth far more than any market outperformance.

Ocean 6 provides wealth management for Vancouver's incorporated professionals and business owners, incorporated professionals and business owners who want their wealth strategy run by a team, not managed by a single advisor. Our team includes CFP®, CLU®, and CIM® designations, meaning the investment, insurance, and planning dimensions of your strategy are all handled in-house, under one retainer, without handoffs to separate advisors.

We are headquartered at 300 – 240 East 2nd Avenue in Vancouver's Mount Pleasant neighbourhood and serve clients virtually across British Columbia and Canada. If you're looking for wealth management in Vancouver that goes beyond portfolio statements, we'd welcome a conversation.

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Common Questions

Frequently Asked Questions

It depends on how the advisor is paid. In Canada there are three common models. Advisors who manage your investments typically charge a percentage of the assets they manage, often around 1% a year on a portfolio in the $500,000 to $1,000,000 range and less as the portfolio grows. Others are paid by commissions built into the products they sell, so you may not see a separate fee. And fee-for-service (or advice-only) planners charge a flat fee for the advice itself, commonly a few thousand dollars for a one-time plan and more for complex or ongoing situations. Ocean 6 works with incorporated professionals and business owners, whose planning is more involved, so we charge a flat annual retainer, from $6,500 to $25,000 depending on complexity. If you choose to have us manage your investments, that is a separate, transparent fee with no hidden charges. Because the retainer is flat and disclosed up front, the advice is not tied to selling you a product. This is general information; your exact fee is confirmed after a scoping conversation.

Not exactly. "Financial advisor" is a broad term that can include people who mainly sell investment or insurance products. A financial planner focuses on your complete financial picture: cash flow, tax strategy, insurance, retirement projections, and estate planning, not just your investment account. Some professionals do both. The distinction that matters most is how they are paid and whether they plan around your whole situation or a single product.

Often, yes. A holding company adds decisions a standalone tax filing may not cover: how to move money between your operating company and holdco tax-efficiently, when to pay dividends, how to invest retained earnings without tripping the passive income rules, and how the structure fits your eventual exit and estate. A financial planner coordinates those moving parts into one plan and works alongside your accountant and lawyer, rather than replacing them. This is general information, not tax or legal advice.

Usually both, doing different jobs. Your accountant handles the historical work: filing your corporate and personal taxes and preparing financial statements. A financial planner looks forward, coordinating how you pay yourself, invest retained earnings, structure insurance, and plan your estate and eventual exit. At Ocean 6 we act as the coordinator, working alongside your accountant and lawyer so the tax return and the long-term plan point in the same direction. This is general information, not tax or legal advice.

Three common ways. Commission, where the advisor earns from the mutual funds or insurance they sell you, including trailing commissions and back-end loads. Fee-based, charged as a percentage of the assets they manage. And fee-for-service, a flat fee for advice where the advisor earns nothing from the products recommended. Ocean 6 uses the fee-for-service model for its planning, so the advice you receive is not influenced by what pays the advisor.

Look at four things. How they are paid: fee-for-service advisors are paid by you, not by product commissions, so their advice carries fewer conflicts. Their credentials: CFP®, CLU®, and CIM® signal planning, insurance, and investment depth. Whether they handle your full picture (corporation, tax, insurance, investments, estate) or just your portfolio. And whether they coordinate with your accountant and lawyer. The best advisor is the one whose expertise matches your situation, which for incorporated professionals usually means corporate and tax planning depth.