# Michael Spivak

> Michael Spivak is a fee-only financial advisor in Toronto, Ontario, Canada, who holds the CFP, CPA and CMA credentials. Michael charges hourly fees, a flat fee or retainer and a one-time planning fee (one-time plans from C$2,700 and C$160 an hour) and focuses on retirement planning, tax planning and estate & legacy planning.

Page: https://find.wellspent.co/advisors/michael-spivak/
Built from public directory listings; last checked April 21, 2026.

## Facts

- **Based in:** Toronto, Ontario, Canada
- **Fee model:** Hourly; Flat fee or retainer; One-time planning fee
- **Fees (firm's website):** one-time plans from C$2,700; C$160 an hour
- **Accepting new clients:** Yes (firm's website)
- **Credentials:** CFP, CPA, CMA
- **Specialties:** Retirement planning, Tax planning, Estate & legacy planning, Pension planning
- **Website:** https://www.michaelspivak.com/

## Frequently asked questions

### Is Michael Spivak a fee-only financial advisor?

Yes. Michael Spivak is listed in the Canadian fee-only planners directory (a directory limited to fee-only planners).

### How does Michael charge for financial advice?

Michael charges hourly fees, a flat fee or retainer and a one-time planning fee.

### How much does Michael charge?

According to the firm's website, checked October 28, 2026: one-time plans from C$2,700; C$160 an hour.

### Where is Michael Spivak based?

Michael Spivak is based in Toronto, Ontario, Canada.

### What does Michael specialize in?

Michael's specialties include retirement planning, tax planning, estate & legacy planning and pension planning.

### What credentials does Michael Spivak hold?

Michael Spivak holds the CFP, CPA and CMA credentials.

### How do I contact Michael Spivak?

Through Michael's website, www.michaelspivak.com.

## Sources

- Canadian fee-only planners directory: a directory limited to fee-only planners
- The firm's website (https://www.michaelspivak.com/): specialties, clients served, and fees, checked October 28, 2026

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Source: Wellspent, the public graph of fee-only advisors (https://find.wellspent.co). No paid placement.