A common misconception is that a financial planner simply places your money into investments. This doesn’t tell the whole story of what we offer our clients.

Running a business comes with a host of challenges that can keep you up at night. You might worry about running out of money in retirement, failing in business, paying too much tax, or how to provide the best for your family.

We understand. Our business is here to help free you from those worries so you can have the peace of mind you deserve.

When it comes to finances, many people don’t know what they don’t know. And why would you? You’ve specialized in your own area of expertise, let us help you with ours.

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Financial Planning: A Fine Balance

When it comes to financial planning, we balance the soft with the hard. We crunch the numbers and tell you what your financial future is probably going to look like, but on the soft side we ask, “How are you actually going to embrace and manage that?”

We want to make sure we insulate you for when you need money, so we want to build your investment portfolio using the appropriate mix of equities, fixed income and cash. We want to make sure you’re not pulling money out when the market price is down. It’s key to avoid creating permanent losses – losses you may not recover from. We plan ahead and think long term, preparing you and your business for what may come.

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Ready to Empower Your Wealth?
Let’s start a conversation today.

A Certified Financial Planner®
Who Puts Clients First

Our #1 competitive advantage over other financial planners is our CFO model, which is almost non-existent in the financial planning industry. We put the client—the CEO—first. As your Chief Financial Officer (CFO), we focus on helping you make smart financial decisions and avoid the regret that occurs with poor and uninformed decisions. As the CEO, you make the final decisions and we respect that.

Our philosophy is to always put the client first. Decisions are always made to put more money into the clients’ hands, not in our own. Period. We put our philosophy into action through challenging the industry status quo with our C3© Process and exceptional client services.

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Our Financial Planning Process: Clarity, Confidence, & Control

Our methodology is to always start with a plan. Without understanding where you are and where you are going, how could we possibly recommend the products that will fit and support you. The plan should also be a true integration between business and personal needs and goals.

Although our methodology, procedures and checklists are process oriented, they’re simply a guideline. We understand everyone has unique needs, so we are adaptable and can customize the process for individual circumstances and needs. Learn more about our C3© Process for Financial Planning.

What Makes us Different?

Our philosophy is to always put the client first. Our focus is on helping our clients make smart financial decisions they are comfortable with and avoid the regret of poor decisions. Decisions are always made to put more money into the clients’ hands, not in our own. Period.

We put our philosophy into action through challenging the industry status quo, with our C3© process and exceptional client services.

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more

Our Process: Clarity, Confidence, Control

“How can you pick a road to somewhere when you don’t know where you are going?”

Our methodology is to always start with a plan. The products chosen are those that fit with and support the plan and it’s a true integration between business and personal needs and goals.

Although our methodology, procedures and checklists are process oriented, they’re simply a guideline. We understand everyone has unique needs, so we are adaptable and can customize the process for individual circumstances and needs.

Second-To-None Client Service Activities

  • We keep our clients updated on a regular basis. Through these methods, our clients are constantly learning and aware of where they stand.
  • We show our gratitude for the trust they have placed in us by holding an annual client appreciation event.
  • We’re only a phone call away for any new problems and challenges our clients face, or questions they may have.

Clarity: Case History

Understanding what’s important to you is key.

Confidence: Data Collection

How you handle your finances
is critical to peace of mind.

Control: Diagnosis

Making informed financial decisions
is critical to Peace, Power and Success.

Experience & Expertise

As a retired optometrist, founder Roxanne Arnal has a special affiliation for her former colleagues. She understands their language, business and has been fortunate to have had experience as a self-employed contracted associate, sole owner of a Professional Corporation, partner in a Professional Corporation and seller of her practice.

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There is no replacement for the unique blend of life experience and education that Roxanne brings to the financial table for doctors. That being said, we do not limit the scope of our business to optometrists, so please contact us to discuss working together.

Are We a Fit?

We love helping our clients create a better financial future. To do this, we like to focus on clients who appreciate our model and take an interest in participating.  Then, they have the ability to make informed decisions based on our suggestions and understanding the impacts of the various options.

You’re a
fit for us
if you:

  • Buy in to our CFO model, allowing us to work together as a team to make the best decisions for you.
  • Realize that time is money and don’t hesitate to make a plan to move onward and upward once you have the information you need.
  • Do not have debt as your number one problem. We have specialists we can bring in to assist clients who are struggling with mounds of bad debt.
  • Have achieved some degree of success in managing your business and, to a certain degree, your financial situation, but understand the benefits of professional financial planning and our model.
  • Have a sense of humour. Financial planning and estate planning are serious, but nothing is so serious that you can’t share an occasional laugh.

Want to Learn More? Check Out Our Services:

Business Transitions Consulting

Whether you’re starting, buying, or selling an optometry practice, we can guide you through the entire process to help you ensure a successful transition.

Learn About Business Transitions Consulting

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Starting an Optometry Practice

There are definitely some tough growing pains ahead and you need to have the financial fortitude to weather the storm. We’re here to help you make sense of all the moving pieces involved with starting an optometry practice.

Learn About Starting an Optometry Practice

Buying an Optometry Practice

As your personal CFO, we’ll walk you through the process to ensure that your best interests are always at the forefront of negotiations and that you completely understand what you are signing up for.

Learn About Buying an Optometry Practice

Selling Your Optometry Practice

Usually, the need to sell your optometry practice arises out of forces beyond your control. Fear, anxiety, helplessness, anger. Sadly, many come to the selling table less than excited and not nearly as prepared as they should be.

Learn About Selling Your Optometry Practice

Financial Planning

So, you thought wealth management and financial planning were one and the same didn’t you? Well, we’re here to set the record straight. They are not!

Learn About Financial Planning

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The Financial Planning Process

We’ve developed the C3© Process to take you through the stages of financial planning that will ultimately lead you to a place of peace, power and success.

Learn About The Financial Planning Process

Personal CFO

As your personal CFO, we work with you, your current professionals, and the amazing specialists we’ve sought out to ensure that you have all the information you need to make the most informed decisions that truly empower your finances.

Learn About Personal CFO

How To Choose A CFP®

The finance industry ranges from bank tellers to branch managers, portfolio managers to insurance agents, industry wholesalers to in-house administrative assistants. We understand how choosing a CFP® can be so confusing.

Learn About How To Choose A CFP

Risk Management

As a business owner, you have assets that need to be protected. These include your business, vehicle, income, home and investments. When it comes to managing your assets, it’s important that the dollars you’re spending on insurance are being spent appropriately.

Learn About Risk Management

Business Integration

For most small business owners their business and their personal lives are really one and the same. We call this business integration.

Learn About Business Integration

Wealth Management

Wealth is so much more than money. It’s really what makes a life enjoyable and valuable. Although we can’t help you build your family, we can help you with financing extracurricular activities and post-secondary education.

Learn About Wealth Management

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Retirement Planning

When should you start planning for retirement? Does it feel too far away as you just started your career? Is it right around the corner? Retirement planning is really financial freedom planning and who doesn’t want that at every stage of life?

Learn About Retirement Planning

Estate Planning

We offer a thorough estate planning process that covers all critical aspects of your life. It all starts with your family. Who are your decedents? What concerns do you have about them managing a sudden windfall? In-law and out-law issues? These are all important considerations to ensure that your legacy gets passed on to those most important to you.

Learn About Estate Planning

We have enjoyed and trusted Roxanne since we started doing business with her some five years ago.  Over that period of time, Roxanne has expanded her knowledge and association with some great investment minds.  Confidence is required in any relationship, and we are confident with Roxanne and her team even in these volatile times.  We are looking forward to a great future.
Randy S
Estate planning to me was a daunting and stressful task. I knew it had to be done but where do I begin? How do I divide my estate? To whom? How much? The list goes on. However, lucky for me my estate planner, Roxanne Arnal has my back. What an enormous relief to have a person who knows the right questions to ask and delves into areas you had no idea existed. In the end, having an estate planner and having a plan in place is the best move you can make for your own piece of mind!
G Whiting
Roxanne has provided me with peace of mind financially and a clear path to retirement.
Dr. K. Jacobs
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Do you want Clarity, Confidence and Control over your Wealth?

Who wouldn’t want to take the stress out of their financial and wealth situation? Contact us today to get started.

Request a Consult

Ready to Empower Your Wealth?
Let’s start a conversation today.

Request
a Consult