Professional Financial Planning That Actually Works

Personalized consultations and analytical reviews to help you understand modern financial planning approaches

Join 197 clients who've discovered practical financial planning through our monthly consultation service. Get personalized guidance, analytical reviews, and ongoing support to make informed decisions about your financial future.

Financial planning involves risk and individual circumstances vary significantly. Results may vary.

About caluntharix Financial Planning

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9 years of helping Canadians navigate their financial journey

We believe financial planning shouldn't feel overwhelming or out of reach. That's why we've built a consultation service that focuses on practical guidance and analytical reviews rather than complicated jargon or one-size-fits-all solutions. Our approach centers on understanding your unique situation and discussing modern approaches to financial planning that actually make sense.

Over the past 9 years, we've completed 93 projects and helped 197 clients gain clarity about their financial decisions. We don't manage your money or sell you products — instead, we provide the insights and analytical reviews you need to make informed choices about your financial future. Think of us as your financial planning conversation partners.

Our monthly subscription model means you get ongoing support when you need it most. Whether you're planning for major life changes, evaluating new opportunities, or simply want someone to review your current approach, we're here to provide professional guidance tailored to Canadian financial landscapes.

Our Financial Planning Services

Personal Financial Consultations

One-on-one consultation sessions where we discuss your financial goals, review your current situation, and explore practical approaches to achieving your objectives. Each session is tailored to your specific needs and circumstances.

Analytical Reviews & Assessment

Comprehensive analytical reviews of your financial approach, including evaluation of your current strategies and discussion of alternative methods. We help you understand the implications of different financial decisions.

Ongoing Planning Support

Monthly subscription service providing continuous access to professional guidance as your circumstances change. Perfect for those who want reliable support throughout their financial planning journey.

Meet Our Financial Planning Team

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Sarah Mitchell

Senior Financial Consultant

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David Chen

Analytical Review Specialist

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Emily Rodriguez

Client Relations Coordinator

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Michael Thompson

Planning Analyst

Financial Planning Insights & Resources

Canadian family reviewing their monthly budget with financial documents spread on kitchen table

September 15, 2025

Five Money Habits That Actually Stick

Forget complicated budgeting systems — these simple habits can transform your relationship with money without feeling like a chore. Real strategies from real clients who made it work.

Young professional using calculator and laptop to plan retirement savings strategy

September 8, 2025

Planning for Tomorrow Without Sacrificing Today

How to balance current enjoyment with future security. Practical approaches to long-term planning that don't require living like a hermit right now.

Middle-aged couple discussing financial goals with advisor using charts and planning documents

September 1, 2025

When Life Changes, Your Money Plan Should Too

Career changes, new family members, unexpected opportunities — learn how to adapt your financial approach when life throws you curveballs.

Upcoming Financial Planning Events

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Monthly Financial Planning Workshop

Join us for an interactive discussion about modern financial planning approaches. Learn practical strategies and get your questions answered in a relaxed, educational environment.

October 15, 2025
7:00 PM - 8:30 PM EST
Virtual Event - Zoom Link Provided

Tools We Work With

We're familiar with the financial tools you're already using

Mint & YNAB

QuickBooks

Spreadsheet Systems

Banking Apps

Quick Financial Planning Tips

Track Your Spending Patterns

Understanding where your money goes is the foundation of smart financial planning. Start with just one month of honest tracking.

Automate Your Savings

Set up automatic transfers to make saving effortless. Start small — even $50 per month builds momentum and creates positive habits.

Review Your Progress Quarterly

Schedule regular check-ins with your financial plan. Life changes, and your money strategy should adapt accordingly.

Focus on One Goal at a Time

Multiple financial goals can feel overwhelming. Pick your most important priority and make real progress instead of spreading yourself thin.