We are Oneiric Financial

A fee-only financial planner is a type of financial advisor who is compensated solely by the fees they charge their clients, rather than earning commissions from selling financial products or services. This structure helps us minimize potential conflicts of interest, as our income is not dependent on the sale of specific products. Since we do not earn commissions, fee-only planners can provide unbiased advice tailored to our client's financial goals and needs.

• Transparency: Fee-only firms charge clients directly for their services, which promotes transparency. Clients know exactly what they are paying for, reducing the risk of hidden fees or conflicts of interest.

• Alignment of Interests: Since fee-only advisors do not earn commissions from selling financial products, our interests are more aligned with those of our clients. We focus on providing tailored advice that benefits the client rather than prioritizing products that generate commissions.

• Objective Advice: Fee-only firms are less likely to recommend unnecessary products or services, as our compensation is not tied to sales. This can lead to more objective and unbiased financial advice.

• Comprehensive Planning: Many fee-only firms offer holistic financial planning services, considering all aspects of a client's financial situation rather than focusing solely on a specific financial aspect. This can lead to more effective long-term strategies.

• Regulatory Compliance: Fee-only advisors typically adhere to fiduciary standards, meaning they are legally obligated to act in the best interest of their clients, providing an additional layer of trust.

Being a fee-only firm enhances trust, objectivity, and the overall quality of financial advice, making it a preferred model for many clients seeking financial guidance.

A comprehensive financial plan offers several key benefits, helping individuals or businesses to effectively manage their finances and achieve long-term goals. Some of the primary benefits include:

• Clear Financial Goals and Priorities: A comprehensive financial plan helps identify short- and long-term goals, such as saving for retirement, buying a home, or funding a child's education. It helps prioritize these goals based on importance and timeline.

• Better Money Management: With a structured plan, you can track income, expenses, and savings more effectively. It creates a clear roadmap for managing debt, budgeting, and investing, helping you make better financial decisions.

• Increased Financial Security: By having a well-thought-out plan, you can anticipate future financial needs and create a buffer against unexpected expenses, leading to greater peace of mind and long-term security.

• Improved Decision-Making: A financial plan allows you to evaluate potential financial decisions within the context of your overall strategy. It helps you avoid impulsive or ill-advised decisions that could derail your long-term financial success.

• Tracking Progress and Adjusting as Needed: With a comprehensive plan, you can regularly track your progress toward financial goals and make adjustments as your life circumstances or market conditions change.

A comprehensive financial plan provides a structured approach to managing your finances, reducing uncertainty, and increasing your chances of achieving your financial goals.

• We align our interest with those of our clients.

• We are fee-only planners, ensuring transparency while providing services in the best interest of our clients.

• We offer bookkeeping and tax preparation services exclusively to our valued subscriber members.

• Our utilization of innovative interactive technology solutions.

• Our plans are highly personalized and detailed.

• Our services are virtual, which is more convenient and flexible for our clients as well as provides a positive environmental impact.

• We include your business as part of your financial plan.

• We are committed in making a positive impact on society.

• We provide bilingual services (French/English).

At Oneiric Financial Inc., we believe financial advice should be accessible, consistent, and fully integrated. That’s why we offer our services through a simple, transparent monthly subscription. No hidden fees. No hourly billing surprises. Just ongoing support tailored to your life and business.

Our tax and bookkeeping services are part of a fully integrated approach designed to provide maximum value. For that reason, they are available exclusively to members enrolled in our financial planning subscription.

While some situations call for a one-time plan, life and business are always evolving. Our subscription model is designed to provide ongoing guidance and adjustments as your needs change. However, we also offer one-time comprehensive financial plans for those looking for standalone services.

No — after the initial setup fee, our subscription is month-to-month with a minimum six-month commitment. You can cancel anytime after that with 30 days' notice.

This approach can help an advisor provide more robust and tailored services to clients while leveraging the expertise of professionals in areas outside of their core competencies. Outsourcing comprehensive financial planning provides;

• Expertise Access: By subcontracting, you can provide your clients with highly specialized advice without having to be an expert in every area.

• Increased Client Trust: Clients are likely to feel more confident when they see you bringing in specialists, as it shows a commitment to comprehensive, high-quality planning.

• Efficiency: Subcontracting allows you to focus on your strengths (investment/insurance management) and improves your overall efficiency.

• Scalability: It enables you to scale your business by offering a wider range of services without having to personally hire more staff or obtain additional certifications.

• Risk Mitigation: Subcontracting to experts reduces the risk of providing advice outside your scope of expertise.

This approach can lead to improved client satisfaction, increased referrals, and the ability to scale the business.

• Comprehensive: is an all-inclusive approach that considers every aspect of a person's financial life. It takes into account the interconnections between various financial decisions. This creates a more balanced plan, helping achieve multiple objectives over time.

• Non-comprehensive: is focused on specific areas of a person's financial life which may be more immediate in nature and limited in understanding its affects on other goals and financial needs.

Whether to hire a professional or do it yourself depends on your financial complexity, your level of financial knowledge, the amount of time you're willing to spend, and your financial goals.

If your finances are straightforward, you may be perfectly capable of managing your own plan. However, if you're dealing with a complex situation or need expert guidance, hiring a financial planner can save you time, help you avoid mistakes, and potentially improve your financial outcomes in the long run.

Every situation is unique, therefore the documents needed will vary based on your financial situation. We may require Notice of Assessment, tax returns, pension statements, investment account statements, insurance policies, etc.

For business owners additional documents may include organizational structure, most current financial statements, buy/sell agreement.

We may also request view only access "Represent a Client" of your CRA account which eliminates the need for the notice of assessment and provides insightful tax information that would be valuable in building the financial plan.

Collecting and providing these documents may seem daunting, but the more comprehensive and accurate the information you provide, the better we can tailor a strategy to meet your objectives. It’s a collaborative process, so the clearer your picture of your finances, the more effective your financial plan will be in helping you meet your short-term and long-term goals.

Yes, as planners who are not licensed to sell financial products, we may recommend strategies such as types of insurance to consider (e.g., term life or disability insurance) or suggest an appropriate investment allocation (e.g., stocks, bonds, or ETFs). However, we do not sell these products directly. Instead, we can connect you with trusted third-party providers or institutions through our referral network. Importantly, we do not receive any referral fees or commissions — this ensures our advice remains completely transparent, unbiased, and aligned with your best interests.