Financial planning is the process of organizing your money to support the life you want — now and in the future. It’s a personalized, comprehensive approach that integrates saving, investing, retirement planning, tax strategies, insurance, and estate considerations to help you make smart, confident decisions with your finances

Financial planning gives you clarity, direction, and peace of mind. It helps you take control of your finances, identify opportunities, avoid costly mistakes, and stay focused on what matters most — even as life changes. Using powerful financial planning software, we help quantify your goals and illustrate the impact of different scenarios — so you can make informed decisions with confidence and purpose. We also build your financial literacy and skills.

Explore FP Canada’s Financial Stress Index and the role of professionals in lowering financial stress

You can see an example retirement projection here that showcases the planning software outputs. Typically we would do multiple “scenarios” based on your financial goals

At Gybe, we take a pragmatic, and technology-enabled approach to financial planning. Not everyone needs a full-blown plan — but everyone deserves advice that fits their life. We start by understanding your context, then tailor our support to what’s most useful: from focused strategy sessions to comprehensive planning.

We also offer self-directed options, where you can build the basics of your financial plan on your own — allowing us to spend our time together exploring the bigger implications and decisions and building your financial knowledge.

With experience as a corporate executive, strategy consultant, business owner, and engaged parent we know what it’s like to juggle competing priorities. We skip the jargon and get to the heart of your issues.

Finally we are prioritizing long-term relationships by making ongoing services more affordable, we can directly help you bring your plan to life — which is more satisfying for us, and more valuable for you.

Most financial advisors are paid to manage investments or sell financial products — which can sometimes influence how (and sometimes what) advice is delivered. At Gybe, we take a different approach.

We don’t sell products, earn commissions, or receive (or pay) referral fees. And there’s no sales pressure — ever. We're compensated only by you, so you can feel confident the advice you get is truly objective and focused on your goals.

Listen to the wonderful Julia Chung (Financial Planning Association Of Canada President) explain Advice Only Planning here

A gybe (or jibe) is a sailing maneuver used to change direction when the wind is at your back. It’s a purposeful shift — turning the boat’s stern through the wind — to head toward a new destination.

At Gybe Financial Planning, it’s our metaphor for what we help clients do:
Adjust course with intention. Catch the wind at your back. And move forward with confidence. Chaz grew up racing and coaching small sailboats in New Brunswick and couldn’t resist the metaphor.

Gybe is not registered to provide investment or insurance recommendations. We can support you in navigating topics like understanding your risk profile and understanding the costs of your investments but we will never tell you specific securities or products to invest in.