Hi my name is Ryan and I'm a Certified Financial Planner (CFP®) based in Vancouver and a Media Ambassador for FP Canada, sharing financial planning insights with national media (Globe and Mail, Financial Post).

Most people don't have a planning problem, they have a coordination problem. Tax decisions don't talk to investment decisions. Group benefits plan hasn't been reviewed since it was set up. I've spent the past 15 years doing the research, working directly with Canadians, and crunching the numbers so you don't have to.

This channel breaks down CPP, OAS, GIS, RRSP, TFSA, FHSA, retirement, tax strategy, investing, and buying a home, the education that should've been part of school.

If you're a growing professional or pre-retiree who's reached the point where a coordinated plan beats another product recommendation, I work with clients as a fee-based, planning-first planner through my practice: twainfinancial.ca

DISCLAIMER: Educational content only, not personalized advice.