Financial planner · Victoria, BC
Make every money decision with confidence.
So you can focus on your life, not your money. Whether you’re building a business, growing a career, or living on what you’ve built, let’s start with a comprehensive financial plan.
As featured in
Who I work with
- Physiotherapy practice
- Real estate brokerage
- Tech and software
- Veterinary clinic
- Marketing consultancy
- Homebuilder
- Home healthcare
- Executive and consulting
- Retirees
In their words
What clients say.
Reviews from clients who trusted us with their plan.
“Working with Gui was a great experience. He helped us create a financial plan that mapped out our long term goals and then established the steps needed to reach them.”
“Guillaume took the time to understand our goals and put together a thoughtful retirement plan that gave us a clear path forward. What we appreciate most is his knowledge, professionalism, and genuine care for us.”
“Working with Guillaume on our financial plan was an absolute game-changer. As a business owner with an incorporated structure, our financial situation is outside-the-box, but Guillaume handled the complexity with total ease.”
“Guillaume has been a tremendous help in getting both my business and personal finances organized and on the right track.”
“I was looking for an advisor who understands the needs of a professional and business owner. I feel much more confident and in control, with peace of mind knowing I have a solid financial plan in place.”
“I worked with Gui starting in 2024 after a conversation on a golf course. It was quickly obvious he was knowledgeable about finance but also genuinely interested in helping others reach their goals.”
“Love working with Gui! As somebody who doesn’t fully understand everything about investments or money, he always helps me understand how the decisions I’m making are shaping my future.”
“Guillaume really made an effort to understand my needs and goals, and created a realistic financial plan to reach them. This has probably been the smoothest experience when it comes to planning my finances.”
“Gui is very patient and responsive and takes great care of us in various ways. It’s a blessing to us.”
Testimonials are provided by clients of Girard Wealth and are published with written consent. No compensation was provided in exchange for these statements. Individual experiences vary and are not representative of the experience of other clients.
Start here
Which stage are you in?
Building it
Business owners and professionals still building wealth
Whether the income runs through a corporation or a T4, the questions rhyme: what to do with the surplus, how to keep tax down, and how to turn a good income into lasting wealth.
- Owners: compensation, corporate cash, and the exit
- Professionals: high-income tax, RRSP and TFSA, equity comp
- A group retirement plan for the people you employ
Living on it
Retirees living on what they’ve built
The accumulating is done. This is the harder half: what to draw, from where, and in what order.
- A withdrawal order that keeps tax and clawbacks down
- When to take CPP and OAS, and why waiting can pay
- RRIF conversion, estate, and what the family inherits
How it works
What working together looks like.
Intro call
A call, or two.
What you’re dealing with and whether I’m the right fit, then a second call to decide together.
Four planning meetings
The financial plan, built with you.
Discovery and goals, your financial snapshot, the financial plan presented, then implemented in priority order.
Ongoing reviews
In person or virtually.
A fixed review calendar, so decisions arrive on a date.
Outcomes
What actually changes when you have a financial plan in place.
You know what to take out, and when
Salary and dividends set for the year ahead, not reconstructed in April.
Corporate investments stop working against you
Investment income kept below the level where it starts reducing your small business deduction.
One structure, not five accounts
Holdco, RRSP, IPP and personal accounts each given one job.
The exit has a number attached
What the sale needs to produce, and what to fix before it happens.
Your advisors talk to each other
Accountant and lawyer working from the same financial plan document.
Nothing waits for a crisis
A review calendar, so decisions arrive before the deadline does.
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