Receive a Fully Personalized, Unbiased Financial Plan for 1/4 of the Cost of Traditional Planning
Viviplan is the only financial planning platform that is based around 3 unique values designed to help you have the confidence to fully reach your financial goals.
Which One Are You?
You're in the first few years of your career and want to find a way to balance your short-term needs while saving enough to reach your future financial goals.
You want to purchase your first home or perhaps are expecting a new member in the family!
You're looking to enter retirement in the next few years and want to understand whether you can afford to and how to make that transition smoothly
You're currently retired and want to make sure that your income strategy is tax-effective and sustainable. You also might be thinking about estate planning.
You have another reason for wanting a financial plan.
We Know Financial Planning
You're in good hands. Our financial plans are built by a crack team of Certified Financial Planners (CFPs), who are also the people you interact with.
Our team of CFPs is led by Rona Birenbaum, founder of Caring For Clients: one of Canada's most renowned fee-only financial planning firms. Rona has delighted hundreds of Canadians with financial plans over her 18 year career.
Is Getting a Viviplan Easy?
Here is a 6-step process on how we build your comprehensive financial plan
A simple process for you to tell us about your financial goals
Enter information so we can understand your spending and saving habits
Answer questions around investments, insurance and estate-planning
Upload required financial documents
Receive your full financial plan
Review your financial plan with a top level CFP
What Do You Get In A Financial Plan?
Full Goal-Oriented Financial Plan
Know how much you should be saving on a monthly basis and in what account types, in order to reach your financial goals.
A Dynamic Budget
Should you be trying to reduce the amount of money you spend on food? By how much? Or maybe you should reduce the amount spent on rent. We give a you budget that focuses on the "big wins" and takes into account your personal preferences and what you value most in your day-to-day.
We generate two scenarios to help you compare events that can happen when it comes to planning for your financial goals. You can browse through them easily to understand what might happen in your future. We can provide additional scenarios at a cost upon request.
A financial plan needs to be actionable and we make it so. Understanding what you should be doing on a month-to-month basis is crucial to creating a great financial plan.
Risk Prevention Plan
Life is full of surprises. And not always good ones. We want to be sure that you're covered and financially prepared to handle all the events that life throws your way. This includes making sure you have a plan for when the market crashes and that you have the right insurance to protect yourself.
An investment portfolio is an incredibly personal thing because it's the way you're choosing to save your money in the hopes of it growing in the future. We provide you a general asset allocation that suits your risk profile and investment horizon. We don't recommend individual equities and we don't take commissions off of it!
You Need an Unbiased Plan You Can Trust
So What's the Problem With Getting a Free Financial Plan From Your Bank
What's best for YOU is what's most important to us
We don't manage your money or sell financial products so our advice is 100% objective
You're an individual or couple wanting a comprehensive financial plan
You're looking for a plan to help you budget better to balance your short-term spending with saving for the future
You've been downsized, promoted or gotten a new job and you want to figure out how to deal and plan for this change in income
You're looking for a retirement plan and answers to key questions like "When can you afford to retire?" and "How do you drawn down on your investments through retirement?"
You're looking to explore your options in regard to a particular decision (e.g. How does it play out if you buy a home now vs rent for 4 years before buying?)
You've had a major life change and need help navigating the future
Not a Good Fit
You're an incorporated business owner or incorporated service professional
You have several overseas bank or investment accounts
You don't live in Canada
You're just looking for investment recommendations
You have an extremely complex cashflow scenario (e.g. multiple rental properties you make income from)
"I have had financial plans done before but after some major life changes I needed to have it done again. I chose Viviplan because it is fee-based and comes with unbiased recommendations. The input forms were easy to understand and user-friendly. The reports were produced quickly and they too were easy to understand. Lisa answered all my questions throughout the process thoroughly, and in language I could understand. The time we spent reviewing the plan was very helpful, as Lisa explained the rationale behind the numbers so I can now make informed decisions. The plan is very high quality for a fraction of the price I have paid before."
- Angela A.
"What attracted me to Viviplan initially was the promise of professional advice free of these conflicts of interest and toxic incentives that taint advisers working for financial institutions. In that sense, [Viviplan's] business model and value proposition are truly fantastic. Also, as someone who’s quite number literate, I needed a sounding board to validate my assumptions and path to retirement. [Viviplan] provided that perfectly alongside a very pleasant customer experience. I will definitely follow [Viviplan's] recommendations and ask for [their] insights again in a few years."
- Nicolas Barbeau
Want a head start on financial planning?
Get "The Ultimate Guide to Financial Goal Attainment Workbook"