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Financial Planner

A financial planner is a professional who offers financial guidance to their clients. The terms financial planner and financial advisor typically refer to the same type of professional. They will help guide a client’s financial journey and provide valuable tools, advice and coaching to help a client implement critical strategies to achieve success.

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Financial Planner

A financial planner should take the time to get clear about your goals and objectives. By engaging in this conversation, you may discover what’s important to you on your financial journey. Financial planners may be licenced in multiple categories and in many provinces of Canada. Although clients often seek investment advice, the core of a plan is in cash flow. By working with a financial planner who can assess and discuss the ups and downs of your personal or business cash flow, you can have clarity and direction on how to optimize for efficiency.

A financial planner relationship is critical to your financial success. Often these trusted relationships develop into lifelong friendships. Seek out a financial planner willing to ask you the tough questions that no one else will, someone who will hold you accountable to your growth and be there alongside you on the journey helping you correct and continue as needed.

These financial professionals will help you to create and stick to a budget.  They can find and save money that is flowing through your budget to reallocate it for future usage. Provide guidance on tax savings tools and strategies based on your situation, and many provide insight into your most significant financial decisions both personally and for your business. They will provide direction and help you prepare for retirement and the estate you will leave behind. 

Not all financial planners specialize. At Ascendant Financial, our team approach and focus on client education and empowerment is at the core of what we do. As a specialized organization in Canada, we are leaders in implementing the process of Becoming Your Own Banker. The power of The Infinite Banking Concept in Canada for your personal economy and your corporation is incredible. When you work with Ascendant Financial Planners, you get access to our growing private client portal of resources, quarterly client coaching sessions, weekly podcasts, including client interviews, video content, live webinars and training events. Our strategic partnerships give you access to the expertise needed to help you are all of life’s critical stages. 

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Access our on-demand training to learn how the process of Becoming Your Own Banker can radically improve what you are already doing financially, and book a time to meet with one of our financial planning coaches.

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Frequently Asked Questions

Traditional financial planning typically involves allocating assets into market-based vehicles like mutual funds, RRSPs, or 401(k)s, then hoping market performance delivers your retirement. Ascendant Financial’s planning approach is built around a system, one where you control the banking function. We help you architect a plan that reduces reliance on third-party lenders and market speculation, while growing your capital base in a stable, tax-advantaged environment.

The IBC process is a long-term strategy. Most policies show meaningful cash value accumulation by years 3 to 5, and the real power of the system compounds significantly over 10, 20, and 30 years. The earlier you begin, the more time your capital has to grow, but clients starting at any age can benefit from implementing these principles. Get started by watching our free training.

Absolutely, and it is one of the most powerful aspects of the strategy. Participating whole life insurance provides a tax-free death benefit to your beneficiaries. When structured thoughtfully across family members, the system can perpetuate your family’s financial prosperity for multiple generations. Nelson Nash called this building a “family banking system” that outlasts any single individual.

Behaviour is arguably the most critical element. Nelson Nash was clear that IBC is a set of principles, not just a product. The practice of thinking and acting like an honest banker (disciplining yourself to repay policy loans, committing to premium funding, and recapturing your financing costs) is what drives results over time. Our financial planners coach you on these habits as part of every engagement. To go straight to the source, learn directly from Nelson.

Yes. The IBC process is not designed to replace your investments; it provides a stable foundation that complements them. Many of our clients continue to hold real estate, retirement accounts, and market-based investments while using their participating whole life policies as their warehouse of capital. Some clients eventually use policy loans to fund investment opportunities, redirecting financing costs back into a system they own. Your advisor will help you think through how IBC integrates with the rest of your strategy.

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