MY HOLISTIC FINANCIAL PLAN

Justin Bender, a co-founder and portfolio manager, leads investment decisions. He previously worked at PWL Capital and has extensive experience in ETF-based portfolio construction. Kyle Prevost handles financial planning and client relationships. The firm publishes detailed video breakdowns of its model portfolios on its public platforms.

The firm charges a flat retainer fee, not a percentage of assets under management. This is a deliberate structural choice to avoid the conflicts of asset-based pricing. The exact fee depends on service complexity, but the firm publishes its fee schedule openly, a rarity in Canadian wealth management.

No. Clients maintain their accounts at discount brokerages, and the firm provides advice on portfolio construction, rebalancing, and financial planning. This custody-free model means the firm never directly controls client funds, reinforcing its fiduciary duty and eliminating the conflict of recommending proprietary products.

The firm implements a passive, globally diversified strategy using low-cost ETFs. It does not pursue private equity, hedge funds, or active manager selection. Portfolios are factor-aware and typically include Canadian, US, and international equity ETFs, plus investment-grade bond exposure. The firm publishes its model portfolios publicly.

No. It is a fee-only financial planning and investment advisory firm serving Canadian professionals—typically physicians, dentists, and incorporated business owners. It is not a family office and does not manage concentrated legacy wealth for a single family. Its structure is closer to a registered advisory practice.

The Canadian Portfolio Manager blog and YouTube channel are operated by Justin Bender and serve as the firm's primary public-education platform. Bender publishes detailed analyses of ETF mechanics, model portfolio performance, and fee comparisons there. The blog functions as both a marketing channel and a transparency mechanism for the firm's investment philosophy.

Services include retirement cash-flow projections, tax-efficient decumulation strategies, estate planning coordination, and incorporation advice for professionals. The firm emphasizes holistic planning—hence the name—and chooses a flat retainer to ensure planning and portfolio work are incentivized equally, without the bias toward asset-gathering that percentage fees create.