Independent financial planning
Money shouldn't feel like a fight.
One dedicated team providing straightforward advice and a written plan you can actually use. Supporting families, entrepreneurs, and agricultural operations across Alberta, Manitoba, BC and Yukon.
Independent financial planning · Alberta & Yukon
100+
Clients Served
15+
Years' experience
100%
Independent
0
Product pressure
THE PLAN
Two halves of the same plan
Building wealth and protecting it are the same job — doing them together is how you stay on track without missing something important.
Build it
Retirement planning, investment management, tax-efficient structuring and estate planning.
Protect it
Life, critical illness and disability cover, held personally and corporately.
WHAT WE DO
Everything in one place
No handoffs between specialists who don't talk to each other. One advisor coordinates all of it.
Retirement planning
When you can stop, how much you can spend, and how to draw it down without handing more than you need to the CRA.
Investment management
Portfolios built around your plan and your comfort zone with access to a wide range of fund companies
Tax planning
RRSP, TFSA, FHSA, RESP and non-registered accounts used in the right order — coordinated with your accountant.
Estate and family wealth
Passing assets to the next generation deliberately, with the tax bill planned for and the family in the room.
Insurance analysis
Life, critical illness and disability — sized to real needs analysis, not a rule of thumb.
Business owners
Corporate investment strategy, salary versus dividends, and the eventual exit — planned years before you need it.
Three ways in
Three ways in
The third scenario — where your household and your corporation are genuinely the same balance sheet — is where the real complexity lives, and it’s the work we specialize in.
The Complicated One
Your company is your retirement plan
No pension, no match, no group benefits — just a corporation holding money that’s eventually yours. Getting it from there to you over thirty years is its own discipline.
Balancing personal and corporate savings
Building retirement even if you sell
Insurance as a retirement vehicle
What clients say
Real plans, real relief
Jason D
Whitehorse, Yukon
I've been a client of Davy Joly for about 14 years. The total package that Davy can provide with respect to Financial Planning, Estate Management, Taxation management and Life insurance is second to none. Every time I've had complex situations Davy has never shied away from bringing in his experts in the field to make sure the best advise and decisions are made for your particular situation. Davy uses all of these tools to make sure you reach your financial goals and succeed in securing your financial future. Highly recommended professional.
Steve G
Whitehorse, Yukon
Davy Joly has been our financial advisor for many years. Over that time, he has helped us to plan for a stable retirement with investments that are in line with our goals and values. We rely on him for every kind of financial and tax advice and appreciate not just the knowledge that he brings, but the empathy that he has shown for us personally. We consider him a close friend and hope to continue our association for many years to come.
Anthony A
Calgary, Alberta
Davy has been advising us on our financial investments for a year now. He is always very responsive and available to answer our questions. We highly recommend him.
Daniel L
Whitehorse, Yukon
Davy is always happy and engaging and at the same time I never doubt his professional acumen. He explains everything thoroughly and I never feel uncomfortable asking questions or expressing an opinion.
