Financial Planning Built Around Your Life

Your goals. Your values. Your future. We turn complexity into clarity with a plan designed to grow with you.

At Bongard Wealth Advisory, financial planning isn’t a one-time event. It’s an ongoing conversation rooted in trust, tailored to your life, and adapted as things change.

Whether you're navigating career milestones, preparing for retirement, or thinking about the next generation, we build a plan that reflects what matters most to you.

Then we help you act on it, thoughtfully, proactively, and in sync with your broader financial life.

What Our Planning Covers

Every family is different, and your financial plan should reflect that.

These are the key areas we cover to help you feel confident about the road ahead.

Life-Centered Goal Setting

Your plan starts with what matters most: your life. We take the time to understand your values, responsibilities, and long-term ambitions and then map your financial goals accordingly. This isn't just about numbers; it's about creating a financial framework that supports the future you envision for yourself and your family.

Retirement Planning that Evolves with You

Whether retirement is five years away or twenty, we help you define what success looks like and build a path to get there. That includes RRSP and TFSA strategies, decumulation planning, income projections, and ongoing updates as your lifestyle, markets, and needs change.

Cash Flow and Liquidity Management

From budgeting to big purchases, we help you plan for how money moves through your life. We'll work with you to understand your cash flow needs, build emergency reserves, and make sure you have access to liquidity when life demands it, without compromising long-term goals.

Tax-Aware Financial Planning

While we don't provide tax advice, we design financial plans that consider tax efficiency from day one. Working closely with your accountant, we align your registered and non-registered accounts, suggest optimal withdrawal strategies, and structure your plan to minimize unnecessary tax drag.

Risk and Insurance Planning

Protecting your family's future is a core part of our planning process. As licensed insurance advisors, we assess your risk exposures and recommend life, disability, and critical illness solutions where needed, always through the lens of your broader wealth plan.

Ongoing Review and Adaptation

Your financial plan should evolve as life does. From promotions and business changes to family milestones, we stay close, proactively revisiting your plan to reflect new information, new priorities, and new opportunities. It's not a binder on a shelf. It's a living document, managed with care.

Why Planning is the Foundation

A great investment strategy means nothing if it's not rooted in a well-defined plan. We believe financial planning is the foundation of every important decision you'll make with your wealth. That's why our team takes the time to understand your life, your values, and what keeps you up at night, not just your balance sheet. Because it's not just about growing your portfolio. It's about making life work.

Real Planning, Not Just a Binder

Too many financial plans sit on a shelf, never revisited. We take a different approach. Your plan is a living document — reviewed regularly, updated as life evolves, and built to inform every decision we make together. We'll meet with you one-on-one, coordinate with your accountant and lawyer, and integrate your plan into the way your money is actually managed.

"We don't believe in planning once. We believe in planning well — and planning often."

Let's Build Your Plan

It starts with a conversation. No commitment, no pressure, just a chance to learn more about how we can help.

Book a Call →