Canada's Unbiased
Financial Advisors

My experience with Worthy Financial was overall extremely helpful and positive. Timothy worked with me in a such flexible and patient way to organize my finances and make a plan to meet my financial goals, which felt to overwhelmingly out of reach prior to. I recommend their service to many of my close friends.

Tim went above and beyond for us and is helping us reach our financial goals to get to retirement. He created a detailed projection of our retirement and gave us so many tips to help us save money, what we paid for his services we will be saving (more actually) in interest thanks to his advice!

I have had the pleasure of working with Timothy for the past year, he has been so incredible and his knowledge is second to none!!! His expertise in his field is inspiring!! There are no people dealing with finance except for those who lend you money or help you file bankruptcy, if you need someone to help you organize your finances to get a handle on things TIM is your guy. I hate budgeting, Tim doesn't do this, he helps you get a handle on your big picture so the day to day can be stress free! IMAGINE not being worried about finances...TIM can make this happen!!! Oh and if a house is in your dreams, he can get you there too!!! In a world dominated by financial advisors and planners who often have a vested interest in selling products, finding an unbiased cash flow planner is a breath of fresh air. I recently had the privilege of working with a cash flow planner who doesn't sell products, and it was an eye-opening and empowering experience. I had to come back and share!!!! From the moment I engaged Tim in his services, I could sense the difference in approach. Here are some of the key aspects that made this cash flow planner stand out: Objective Guidance: One of the most striking features of this unbiased cash flow planner is their unwavering commitment to objectivity. They have no financial incentives tied to product sales, which means their sole focus is on helping you make the best financial decisions for your unique situation. This objectivity builds trust and confidence in their recommendations. Tailored Solutions: The planner took the time to understand my specific financial goals, lifestyle, and risk tolerance. With this deep understanding, they provided customized solutions that were not influenced by any affiliations with financial products. This made me feel that the recommendations truly catered to my needs and aspirations. Educational Approach: Instead of pushing financial products, this planner took the time to educate me on various aspects of financial planning. They patiently explained the pros and cons of different strategies and investments, empowering me to make informed decisions. This educational component added immense value to the overall experience. Transparency: Transparency was a cornerstone of the planner's approach. They were upfront about their fee structure and any potential conflicts of interest (which were virtually nonexistent). This transparency fostered a sense of openness and credibility that I had not experienced with planners who sell financial products. No Hidden Agendas: With no products to push, the planner had no hidden agenda. Their sole mission was to ensure that my financial plan aligned with my goals. This focus on my best interests was evident throughout the process and gave me peace of mind. Long-Term Relationship: Unlike planners who often vanish after selling you a product, this planner's focus on building a long-term relationship was evident. They made it clear that they were available for ongoing support and periodic reviews of my financial plan. In conclusion, my experience with an unbiased cash flow planner was incredibly positive. Their commitment to objectivity, tailored guidance, education, transparency, and a long-term relationship approach sets them apart in a world where financial incentives often cloud advice. If you're looking for unbiased financial planning that truly puts your interests first, I highly recommend working with a cash flow planner who doesn't sell products. It's a decision that can lead to greater financial clarity, confidence, and peace of mind.

Timothy was extremely knowledgeable and took the time to thoroughly review our entire situation. He was helpful and genuinely cared that we get the best possible outcome. Timothy's involvement has positively impacted our family in such a profound way. Five stars doesn't start to cover it!

I would give 25 stars if Google would let me! Misguided financial decisions in my youth partnered with the pandemic left me with significant debt and no sweet clue how to navigate it. Worthy Financial was able to meet me where I was, never once making me feel bad for my past decisions. They navigated me towards what made the most sense for myself and my financial future, and offered their support every single step of the way. It has been a 10/10 experience. I cannot thank you enough!

As a millennial couple navigating the current economy while trying to buy our first home, we were intimidated and honestly a little terrified to begin seriously planning for our financial futures. Within the first ten minutes of our first session with Timothy, he had us feeling capable, confident and comfortable with what we had to work with. His very personable approach was clear and concise, his expertise was invaluable, and he somehow never overwhelmed us with information or made us feel less-than about any of our many questions, big or small. Our experience with Worthy Financial left us feeling absolutely worthy, and like we truly have someone in our corner rooting for us every step of the way as we figure out our futures in these "unprecedented times". 10/10, would absolutely recommend!

Timothy is thorough, professional, understanding, relatable, and reliable. I can't imagine working with someone else to reach my financial goals. If anyone I know is looking for a financial advisor, I will absolutely be sending them his way!

I have a lot of fear and shame around money, and discussing it with other people. Worthy Financial provided an environment that made me feel comforted and also empowered about my finances. Working with Worthy has given me knowledge and tools I need to feel more confident about my finances moving forward.

As a Registered Nurse I had so many questions about money that I didn’t know where to start. From buying my first home, wondering how to budget and how to save for my future. Worthy Financial not only helped me with all of the above but also helped me save a lot of money on my fixed monthly expenses without having to make any lifestyle changes! Timothy was not only friendly and helpful but also extremely professional and knowledgeable. I highly recommend!