Retirement Planning
Know your exact retirement date with year-by-year income projections. No more guessing, just a clear path forward.
Learn MoreNow Accepting New Clients in London, ON
The returns are the tip. Your financial plan is the 90% underneath.
I'm Marc Pineault, a financial advisor in London, Ontario. Most advice stops at the investments — the visible 10%. I build the whole plan below the waterline: tax, estate, insurance, behavior, and the life events that actually decide how your money ends up. Then I manage it, so you never have to worry about money again.
100+
Families Helped
6
Services, One Plan
15 min
Free First Call
Now Accepting New Clients
Your Complete Financial Plan
- Exact retirement date with year-by-year income projections
- Tax optimization saving thousands per year in Ontario
- Professionally managed portfolio, hands off for you
- RRSP, TFSA and corporate strategy tailored to your situation
- Ongoing check-ins so your plan stays on track
Tailored to your situation. No cookie-cutter advice.
Professional Financial Advisor
Serving London, Ontario
Free Financial Check-Ins Available
The whole picture
Returns are the tip of the iceberg
About 10% of how this ends is your returns. The 90% that decides whether your money lasts sits below the waterline. That is the part I build.
Below the waterline
- 1
Tax — Every account drawn in the right order
- 2
Estate — It lands where you want, not at the CRA
- 3
Protection — Income and family covered
- 4
Behavior — No panic-selling at the bottom
- 5
Decline — Someone watching late in life
- 6
Life events — An inheritance, a sale, a crisis
A free assessment maps your whole iceberg — not just the question that brought you here.
Sound Familiar?
The Real Cost of Not Having a Plan
Most people only ever see the tip — the returns, the product, the one account. Nobody coordinates the 90% underneath. Here's what that blind spot actually costs you:
$11K
avg annual fees on $500K
I Have No Idea What I’m Paying in Fees
The average Canadian mutual fund charges 2.2% per year. On a $500K portfolio, that’s $11,000 annually eating into your retirement every single year.
0
projections most people have
Can I Actually Retire When I Want To?
You’ve been saving, but you have no idea if it’s enough. No projections, no plan, no confidence. Just hope.
1
bank, limited view
My Bank Advisor Doesn’t Know My Full Picture
They only see what’s at their bank. They can’t optimize your taxes, your corporate structure, or your full retirement picture.
1yr
of delay = thousands lost
I Keep Putting This Off
Every year you wait costs you money in taxes you didn’t need to pay, returns you missed, and retirement years you could’ve had.
How I Help
Financial Planning & Advisory Services in London, Ontario
Six areas of expertise — from retirement planning and investment management to life insurance and estate planning — all working together in one integrated plan built for your life.
Tax Planning
Most Ontarians are overpaying. I find every legal strategy to reduce your taxes. Clients are always surprised by the savings.
Learn MoreInvestment Management
Professionally managed portfolio aligned to your goals. Lower fees, better diversification, zero stress for you.
Learn MoreCorporate Planning
Incorporated in Ontario? You’re probably leaving money on the table. I’ll optimize your corporate structure and tax strategy.
Learn MoreLife Insurance
Exactly the coverage you need, no overselling. I’ll show you how much and why, and it integrates with your full plan.
Learn MoreEstate Planning
Make sure your money goes to your family, not to taxes. I’ll help you protect everything you’ve built.
Learn MoreNot sure which service you need?
Book Free Assessment — I'll Help You Figure It OutGetting Started
Three Steps to Financial Clarity
1
Free 15-Minute Discovery Call
No pitch, no obligation. Just a quick conversation to see if I can help with your specific situation.
Book online, my calendar is right there, pick a time that works
2
Your Custom Financial Plan
I'll build a plan tailored to your family or business. Real numbers, not a generic template.
Clear projections you can actually understand
3
Ongoing Management and Check-Ins
I manage your investments and keep your plan updated as life changes. Regular proactive contact.
You'll never feel out of the loop
Is This You?
I Help People Who Are Tired of Guessing
Couples Earning Well But Not Sure If They’re on Track
“Are we saving enough? When can we actually stop?”
Business Owners Paying Way Too Much Tax
“Nobody is proactively planning.”
People Fed Up with Their Bank Advisor
“You have no idea what you’re paying.”
Families Who Keep Saying “We’ll Get To It”
“The money stuff keeps getting pushed back.”
Free Quiz
How Ready Are You for Retirement?
Answer 6 quick questions and get a personalized score with actionable next steps. Takes 60 seconds.
Take the QuizYour Free Assessment Is One Click Away
No pressure, no sales pitch. Just an honest assessment of your situation and whether I can help. If we're not a fit, I'll tell you.
Or reach out anytime — I respond personally.
Common Questions
Financial Planning FAQ
How much does a financial advisor cost in London, Ontario?
My fee is based on a percentage of the investments I manage for you — typically much less than the 2.0–2.5% embedded in bank mutual fund fees. There are no upfront planning fees. The financial plan, investment management, tax strategies, and ongoing reviews are all included.
What is the difference between a financial advisor and a financial advisor?
In Canada, the terms are often used interchangeably. A financial advisor typically builds comprehensive plans (retirement, tax, estate), while a financial advisor may focus more on investments. In my practice, I do both — I build detailed financial plans and manage investments, life insurance, and tax strategy as one integrated service.
Do I need a financial advisor if I only have $200,000 in savings?
Yes — in fact, this is often where professional advice adds the most value. Proper tax planning, lower investment fees, and a clear retirement strategy can save you tens of thousands over your lifetime. You don't need a million dollars to benefit from a financial plan.
What services does a financial advisor in London, Ontario provide?
I provide six integrated services: retirement planning, tax planning, investment management, corporate financial planning, life insurance, and estate planning. Everything works together in one plan — no silos, no conflicting advice.
How is an independent financial advisor different from a bank advisor?
A bank advisor is limited to the bank's own products. As an independent financial advisor, I can recommend solutions from the full market based on what's best for you — not what pays me the highest commission. I also build a comprehensive financial plan, not just a product recommendation.
Resources
Latest Articles
Practical guides to help you make smarter financial decisions.
Investments
Asset Location: Bonds in RRSP vs TFSA for a Canadian Investor
Should bonds go in your RRSP or TFSA? This guide breaks down asset location for Canadian investors, with clear explanations from a financial planner in London, Ontario.
6 min read
Read MoreTax
CDA Payout vs Salary for an Ontario Incorporated Professional
Incorporated professionals in Ontario can choose between tax-free Capital Dividend Account payouts and regular salary — but each tool works differently and fits different situations. This guide explains how both work and when each one makes sense, from a financial planner in London, Ontario.
5 min read
Read MoreGeneral
Group RRSP vs Personal RRSP for an Ontario Employee: What You Need to Know
Wondering whether to use a group RRSP through work or open a personal RRSP on your own? This guide breaks down the key differences for Ontario employees, with plain-English answers from a financial planner in London, Ontario.
5 min read
Read More