For decades, sophisticated financial strategy was reserved for clients with $1M+ and a private banker. WealthFusions was built to change that — delivering the same depth of analysis, without the commission conflicts, to anyone who wants it.
WealthFusions was founded in 2012 after our founding team spent a collective 40+ years inside Canada's largest financial institutions. We watched, again and again, as middle-income families and individual earners were steered toward high-fee products that benefited the advisor far more than the client.
The model was broken. Advisors earned commission on what they sold. The best strategies — term insurance instead of whole life, ETFs instead of mutual funds, RRSP timing over contribution maximization — generated far less revenue for the advisor. So clients rarely heard about them.
We left. We built something different. WealthFusions operates on a zero-commission model. Our advisors are compensated for the quality of their analysis, not the products they recommend. That single structural change eliminates the most pervasive conflict of interest in personal finance.
Today, we serve over 14,000 individuals, families, and retirees across Canada and the United States — delivering institutional-grade financial analysis through a combination of human expertise and the most comprehensive financial intelligence platform we could build.
Total client assets where WealthFusions strategy has been applied — across registered and non-registered accounts.
Individuals, families, and professionals across Canada and the USA who have completed a WealthFusions strategy engagement.
Cumulative lifetime tax savings identified and implemented across our full client base — verified against CRA and IRS records.
Year-over-year client retention rate. The industry average is 68%. We believe the difference is structural: no commissions means no conflicts.
Every recommendation we make starts with a model. We calculate the actual dollar impact of each strategy on your specific situation before we suggest it. "You should max your RRSP" is not advice. "$8,682 in immediate tax savings at your marginal rate" is.
We do not earn fees from insurance companies, fund manufacturers, or any financial product provider. Ever. Our revenue comes exclusively from client engagements. That means when we recommend term insurance over whole life, or ETFs over mutual funds, there is no financial reason for us to say otherwise.
Most financial planning starts with a product and works backward to the client. We start with your income, goals, tax situation, and risk profile — and only arrive at a product recommendation if one is genuinely warranted. Many clients need no products at all. That's a valid outcome we're happy to deliver.
18 years at TD Wealth and Scotiabank before founding WealthFusions in 2012. Specialized in high-net-worth tax planning and estate strategy. Has personally overseen $400M+ in client portfolio restructuring.
Former Big 4 tax manager specializing in personal and corporate tax optimization. Built WealthFusions' proprietary marginal rate modelling engine used in all client tax analyses and the public calculator suite.
Holds the CLU designation and has analyzed over 8,000 individual insurance files. Creator of the WealthFusions DIME-Plus method — the framework behind all coverage gap analyses on this platform.
Specialist in CPP/OAS optimization, RRIF decumulation strategy, and retirement income sequencing. Has helped over 1,200 pre-retirees structure income plans that maximize after-tax income through age 90+.
Book a free 45-minute strategy session. We'll build your financial snapshot and show you exactly where your money is working — and where it isn't.