Flat-fee financial Advisory for Canadians—especially those in tech
Pay for the planning you need - not a percentage of your portfolio.
You’re working hard and earning well, but still wonder whether you’re making the right financial decisions—or when that effort will give you more freedom.
Get a clear plan and ongoing guidance from a CFP® professional, with a flat advisory fee based on the support you need—not the size of your portfolio.
- A comprehensive plan for your financial life
- No investment minimum to work together
- Flat planning fee based on your needs, not your assets
- No commissions or product sales
- Ongoing year-around guidance from a CFP®
- Full-service support from plan to action
A simple conversation about your situation, your goals, and how ongoing financial advice could change your financial life.
No pressure or obligation.
Value of financial advice - what research says
Financial planning is about more than creating projections. Research suggests that professional guidance can support better financial habits, more disciplined investment decisions and greater confidence about the future.
290% More Financial Assets
A Canadian study found that households working with a financial advisor for 15 years or more had 290% more financial assets than otherwise comparable non-advised households.
View the CIRANO research
Up to 3% in Portfolio Return
Vanguard estimates that implementing its full Advisor’s Alpha framework—including financial planning, tax strategies and behavioural coaching—can add up to or even exceed 3% in net returns.
Explore Vanguard’s Advisor’s Alpha research
Better Decision Making
In a 2025 Canadian survey, 79% of people working with a financial professional felt confident they could afford important life milestones, compared with 59% of those without professional support.
View the FP Canada research
A Different Way to Get Financial Advice.
Tired of financial advice that feels like a sales pitch?
Many financial advisors provide thoughtful, professional guidance.
But when compensation is tied to products sold or investments managed, you may still wonder whether that influenced the advice—even when the advisor acted in good faith.
Clients who have come to me have described experiences like these:
Feeling pushed to buy insurance before they understood whether they needed it or whether the insurance was right for them.
Feeling encouraged to keep more money invested without a close look at other options, such as paying down debt, buying property, or using their money to support a life goal.
These are life-planning decisions. The right answer won’t always involve keeping more money invested or buying insurance.
Your fee should not grow just because your portfolio does
With an asset-based fee, the amount you pay increases as your investments grow. Here is what an illustrative annual fee of 1% to 2% would cost:
- A $100,000 portfolio costs $1,000 to $2,000 per year.
- A $500,000 portfolio costs $5,000 to $10,000 per year.
- A $1 million portfolio costs $10,000 to $20,000 per year.
The amount you pay can rise because you saved more or the market did well, even when your planning needs and the services you receive have not changed.
Are the fees you pay your advisor worth it?
Flat-Fee: A fairer way to pay for financial advice
If you pay thousands of dollars a year for financial advice, ask what you actually receive. Does it include a plan that brings together your cash flow, taxes, investments, insurance, retirement, and estate goals—plus ongoing reviews, updates, and coaching as life changes?
Or do your conversations mainly focus on investment selection and performance? Investment selection and performance reviews alone can be difficult to justify as the basis for an ongoing fee.
In its 2025 Canadian scorecard, S&P Dow Jones Indices found that 98.8% of actively managed Canadian equity funds underperformed the S&P/TSX Composite Index over the preceding 10 years, after fund expenses. This means paying higher fees in the hope of beating the market is unlikely to be worth the cost.
Performance reviews are useful. But if that is most of the service you receive, it is fair to ask whether your fee reflects the planning and ongoing support you need.
I believe the cost of financial planning should reflect the work and complexity involved, not how much money you have accumulated.
At Ben Lee Financial, you pay me directly for advice. I do not sell financial products or earn sales commissions, and you do not need to move your accounts to work with me. This is what is often called advice-only planning.
Your planning fee is based on the support you need. It does not automatically increase when your investments grow. You pay a flat fee for the thinking, modelling, and ongoing advice, with a clear understanding of the value you are receiving.
Optional managed investing has a separate fee paid to the investment provider, as shown on the services and pricing page. Ben Lee Financial does not receive any portion of that fee.
What My Clients Say
Meet Ben - Certified Financial Planner and Certified Cash Flow Specialist
Ben Lee is a Certified Financial Planner (CFP®) and Certified Cash Flow Specialist (CCS®) who specializes in helping Canadian tech professionals plan for financial independence and retirement.
He provides advice-only financial planning—no investment management, insurance sales, or commissions. Just clear, unbiased advice focused entirely on his clients’ best interests.
Ben helps tech professionals navigate equity compensation, taxes, investing, cash flow, and major career decisions so they can understand whether they are on track—and when work can become optional.
Make your next financial decision with a plan behind it.
Contact Me
Email: ben@benleefinancial.com
Office Hours: Monday - Friday 9:00 AM - 5:00 PM MST
Location: 100% virtual (Based in Calgary, Canada), Serving Canadians nationwide.