# Fee-only financial advisors in Ontario > Toronto is Canada's largest fee-only market, and Ontario's advisor graph skews toward cross-border practice. Every advisor on this list is fee-only under the Wellspent definition. The Wellspent public graph lists 104 fee-only financial advisors on this list at 79 firms, most in Toronto, Ottawa and Markham. 71% hold the CFP certification. Of the 59 with fees on file, 83% charge one-time planning fee. Page: https://find.wellspent.co/lists/fee-only-advisors-in-ontario/ 100 fee-only advisors listed; data last updated October 30, 2026. Fee-only means paid only by clients, never by commissions. Order reflects the directory, not payment; there are no sponsored listings. ## Advisors | Advisor | Firm | Location | Credentials | Fees | |---|---|---|---|---| | [Andrea Thompson](https://find.wellspent.co/advisors/andrea-thompson.md) | Modern Cents | Toronto, Ontario | CFP, CRPC, CLU, CHS | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [Andrew Dobson](https://find.wellspent.co/advisors/andrew-dobson.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP, CIM | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Anna Golan-Reznick](https://find.wellspent.co/advisors/anna-golan-reznick.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Brenda Hiscock](https://find.wellspent.co/advisors/brenda-hiscock.md) | Objective Financial Partners | Toronto, Ontario | CFP, RHU | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Hannah McVean](https://find.wellspent.co/advisors/hannah-mcvean.md) | Objective Financial Partners | Markham, Ontario | CFP, CIM | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Jason Heath](https://find.wellspent.co/advisors/jason-heath.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Jeff McCartney](https://find.wellspent.co/advisors/jeff-mccartney.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP, CFDS, MBA | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Meri-Li Forrest](https://find.wellspent.co/advisors/meri-li-forrest.md) | Be Wealthy Financial Coaching Inc. | Oakville, Ontario | CFP, CIM | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [Michael Barichello](https://find.wellspent.co/advisors/michael-barichello.md) | Parallel Wealth Financial Group | Kitchener, Ontario | CFP, CLU, FMA, CHS | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [Nancy Grouni](https://find.wellspent.co/advisors/nancy-grouni.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Ryan Kurtz](https://find.wellspent.co/advisors/ryan-kurtz.md) | Objective Financial Partners Inc. | Markham, Ontario | CPA, CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Thuy (Twee) Lam](https://find.wellspent.co/advisors/thuy-twee-lam.md) | Objective Financial Partners | Markham, Ontario | CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Vikki Brown](https://find.wellspent.co/advisors/vikki-brown.md) | Modern Cents | Mississauga, Ontario | CFP, CRPC | Flat fee or retainer, Ongoing planning fee, One-time planning fee, Hourly | | [Ziad Sahuri](https://find.wellspent.co/advisors/ziad-sahuri.md) | Parallel Wealth Financial Group | Ottawa, Ontario | CFP | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [Michael Spivak](https://find.wellspent.co/advisors/michael-spivak.md) | | Toronto, Ontario | CFP, CPA, CMA | Hourly, Flat fee or retainer, One-time planning fee | | [Ayana Forward](https://find.wellspent.co/advisors/ayana-forward.md) | Retirement in View | Ottawa, Ontario | CFP | One-time planning fee, Ongoing planning fee | | [Brandon Davies](https://find.wellspent.co/advisors/brandon-davies.md) | Objective Financial Partners Inc. | Markham, Ontario | CFP (Canada), CFP (U.S.), CIM, CLU, TEP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Chris Ferris](https://find.wellspent.co/advisors/chris-ferris.md) | Ryan Lamontagne Inc. | Ottawa, Ontario | CFP, CFA | One-time planning fee, Percentage of assets, Ongoing planning fee, Hourly | | [Chris Merrick](https://find.wellspent.co/advisors/chris-merrick.md) | Merrick Financial Inc. | Toronto, Ontario | CFP, QAFP | Hourly, One-time planning fee, Ongoing planning fee | | [Chris Ryan](https://find.wellspent.co/advisors/chris-ryan.md) | Ryan Lamontagne Inc. | Ottawa, Ontario | CFP, CFA | One-time planning fee, Percentage of assets, Ongoing planning fee, Hourly | | [Jason Simpson](https://find.wellspent.co/advisors/jason-simpson.md) | Trailway Wealth Advisors | Ottawa, Ontario | CFP, CIM, CIWM | Percentage of assets, One-time planning fee | | [Jennifer Daniel](https://find.wellspent.co/advisors/jennifer-daniel.md) | Guided Retirement Planning | Mississauga, Ontario | CFP, CEA, BComm | Flat fee or retainer, One-time planning fee | | [Karen Richardsdon](https://find.wellspent.co/advisors/karen-richardsdon.md) | Spring Financial Planning | Kenora, Ontario | QAFP | One-time planning fee, Ongoing planning fee | | [Liz Schieck](https://find.wellspent.co/advisors/liz-schieck.md) | New School of Finance | Toronto, Ontario | CFP | Flat fee or retainer, One-time planning fee | | [Marlene C. Buxton](https://find.wellspent.co/advisors/marlene-c-buxton.md) | Buxton Financial For Retirement | Toronto, Ontario | CFP, CLU, RRC, Chartered Financial Planner | Flat fee or retainer, One-time planning fee | | [Mike Bayer](https://find.wellspent.co/advisors/mike-bayer.md) | Strategic Analysis Capital Management Inc. | Mississauga, Ontario | CFP, CIM, FCSI | Hourly, Percentage of assets | | [Nicholas Hui](https://find.wellspent.co/advisors/nicholas-hui.md) | VAVE Financial Planning | Markham, Ontario | CFP, TEP, MBA, P.Eng | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [Thomas Venner](https://find.wellspent.co/advisors/thomas-venner.md) | | Hamilton, Ontario | CFP, CEA | Hourly, Percentage of assets | | [Anna Knight](https://find.wellspent.co/advisors/anna-knight.md) | Simplicity Financial | mississauga, Ontario | CFP | One-time planning fee, Ongoing planning fee | | [Cherise Berman](https://find.wellspent.co/advisors/cherise-berman.md) | Bespoke Financial Consulting Inc. | Toronto, Ontario | CA, CFP, RFP, TEP | Hourly, Ongoing planning fee | | [Ed Rempel](https://find.wellspent.co/advisors/ed-rempel.md) | Unconventional Wisdom & Advice Inc. | Brampton, Ontario | CFP, CPA, CMA | One-time planning fee, Percentage of assets | | [Heather Holjevac](https://find.wellspent.co/advisors/heather-holjevac.md) | Heather Holjevac, The Holjevac Group | Mississauga, Ontario | CFP, CDFA, EPC, FP Canada Fellow Distinction | | | [John Stocking](https://find.wellspent.co/advisors/john-stocking.md) | Evidence Based Finance | Toronto, Ontario | CIM, CIWM, PFP | One-time planning fee, Ongoing planning fee | | [Matthew Ardrey](https://find.wellspent.co/advisors/matthew-ardrey.md) | TriDelta Financial | Toronto, Ontario | CFP, FMA, CIM | Percentage of assets, One-time planning fee | | [Sandi Martin](https://find.wellspent.co/advisors/sandi-martin.md) | Sandi Martin Financial Planning | Gravenhurst, Ontario | CFP | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Seun Adeyemi](https://find.wellspent.co/advisors/seun-adeyemi.md) | SA Capital Advisors Inc. | Whitby, Ontario | CKA, CFP | Flat fee or retainer, Hourly, One-time planning fee | | [Susan Stefura](https://find.wellspent.co/advisors/susan-stefura.md) | Bespoke Financial Consulting Inc. | Toronto, Ontario | CFP, RFP, TEP, FCSI, CDFA | Hourly, Ongoing planning fee | | [Aaron Buchner](https://find.wellspent.co/advisors/aaron-buchner.md) | Cactus | Kingston, Ontario | CFP | Flat fee or retainer, Percentage of assets | | [Ahmed Mahiyan](https://find.wellspent.co/advisors/ahmed-mahiyan.md) | Nextgen Financial Planning Inc. | Mississauga, Ontario | CFA, CFP, CMT, MFin | Flat fee or retainer | | [Joe Barbieri](https://find.wellspent.co/advisors/joe-barbieri.md) | Joe the Investor | Toronto, Ontario | CFA, BCom, BASc (Civil Eng) | Flat fee or retainer, Ongoing planning fee, One-time planning fee | | [Paul Duxbury](https://find.wellspent.co/advisors/paul-duxbury.md) | Duxbury and Associates | Cambridge, Kitchener, Waterloo, Guelph, Ontario | CFP, FCIA | Hourly, One-time planning fee | | [Richard Predham](https://find.wellspent.co/advisors/richard-predham.md) | Impact Financial Planning Inc. | Ottawa, Ontario | CFP, BBA | Flat fee or retainer, One-time planning fee, Ongoing planning fee | | [Adam Fisch](https://find.wellspent.co/advisors/adam-fisch.md) | Stewart & Kett Financial Advisors | Toronto, Ontario | JD, CFA | Ongoing planning fee, One-time planning fee | | [Alex Hadjisophocleous](https://find.wellspent.co/advisors/alex-hadjisophocleous.md) | Forest Financial Planning | Ottawa, Ontario | CFP, CFA, MBA | Hourly, One-time planning fee | | [Chris Fliesser](https://find.wellspent.co/advisors/chris-fliesser.md) | Fliesser Financial | Ottawa, Ontario | PFA, P.Eng. | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Doug Dahmer](https://find.wellspent.co/advisors/doug-dahmer.md) | Retirement Navigator | Burlington, Ontario | MBA, CFP, TEP | | | [Gordon Stockman](https://find.wellspent.co/advisors/gordon-stockman.md) | Efficient Wealth Management Inc. | Mississauga, Ontario | CPA, CA, CFP, CIM | | | [Gregory Dobson](https://find.wellspent.co/advisors/gregory-dobson.md) | Retirement Navigator | Etobicoke, Ontario | CMA, CPA, CFP, EPC, CEA | | | [Jason Abbott](https://find.wellspent.co/advisors/jason-abbott.md) | WEALTHdesigns.ca | Toronto, Ontario | CFP, CLU, TEP | | | [Jean-Marie Chan Kin](https://find.wellspent.co/advisors/jean-marie-chan-kin.md) | Money Coach JM | North York, Ontario | MBA, CPA, CFP | Flat fee or retainer, One-time planning fee | | [Mathew Hall](https://find.wellspent.co/advisors/mathew-hall.md) | Exponent Investment Management | Ottawa, Ontario | CFP, CFA | | | [Monique Madan](https://find.wellspent.co/advisors/monique-madan.md) | UPotential | Toronto, Ontario | CFP, FMA | | | [Murray Child](https://find.wellspent.co/advisors/murray-child.md) | Opus Wealth Advisors Inc. | Waterloo, Ontario | CFP, RFP | Percentage of assets | | [Owen Winkelmolen](https://find.wellspent.co/advisors/owen-winkelmolen.md) | PlanEasy Inc. | London, Ontario | QAFP | One-time planning fee, Ongoing planning fee | | [Russell Sawatsky](https://find.wellspent.co/advisors/russell-sawatsky.md) | Money Architect Financial Planning | London, Ontario | CFP, CIM | One-time planning fee, Hourly, Ongoing planning fee | | [Sandra Mann](https://find.wellspent.co/advisors/sandra-mann.md) | Money Coaches Canada | Burlington, Ontario | MBA, CPA, CGA, QAFP | One-time planning fee, Ongoing planning fee | | [Scott Plaskett](https://find.wellspent.co/advisors/scott-plaskett.md) | IRONSHIELD Financial Planning | Toronto, Ontario | CFP | | | [Andy Hammond](https://find.wellspent.co/advisors/andy-hammond.md) | Hammond Financial | Ajax, Ontario | CPA, CA | Hourly, One-time planning fee | | [Kathleen Daunt](https://find.wellspent.co/advisors/kathleen-daunt.md) | New School of Finance | Toronto, Ontario | | Flat fee or retainer, One-time planning fee | | [Paul Beck](https://find.wellspent.co/advisors/paul-beck.md) | plantoretire.ca | Hamilton, Ontario | CFP, CFDS, FMA | | | [Ryan Kerr](https://find.wellspent.co/advisors/ryan-kerr.md) | Astrolabe Financial Group Inc. | Ottawa, Ontario | CFA | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Stevan Dostanic](https://find.wellspent.co/advisors/stevan-dostanic.md) | Astrolabe Financial Group Inc. | Ottawa, Ontario | CFA | Flat fee or retainer, Hourly, Ongoing planning fee, One-time planning fee | | [Trevor Van Nest](https://find.wellspent.co/advisors/trevor-van-nest.md) | Niagara Region Money Coaches | St. Catharines, Ontario | CFP | | | [William Rychliwsky](https://find.wellspent.co/advisors/william-rychliwsky.md) | Been There Financial Planning | Ottawa, Ontario | QAFP, CHS, M.PL. | Flat fee or retainer, Hourly, One-time planning fee | | [Andrew W Bradley](https://find.wellspent.co/advisors/andrew-w-bradley.md) | AndrewWBradley.ca Financial Services | Ottawa, Ontario | RRC | | | [Claudia Soler](https://find.wellspent.co/advisors/claudia-soler.md) | Bright Light Coaching | Toronto, Ontario | CSI-CAFA | Ongoing planning fee, One-time planning fee | | [Eric Vallee](https://find.wellspent.co/advisors/eric-vallee.md) | Novel Financial | Toronto, Ontario | CPA, CA, QAFP | | | [Jacquie Skinner](https://find.wellspent.co/advisors/jacquie-skinner.md) | Premier Financial Planning Services | Midland, Ontario | BA, CFP, RFP | | | [Lisa Zamparo](https://find.wellspent.co/advisors/lisa-zamparo.md) | The Wellth Company | Toronto, Ontario | CPA | One-time planning fee | | [Margaret (Peggy) Cameron](https://find.wellspent.co/advisors/margaret-peggy-cameron.md) | Cameron Leadership Development Inc. | Ottawa, Ontario | CFP, RFP, MBA, FDS | | | [Mike Gomes](https://find.wellspent.co/advisors/mike-gomes.md) | Team Up Planning Group Inc. | Vaughan, Ontario | CFP | | | [Abraham Jacob](https://find.wellspent.co/advisors/abraham-jacob.md) | Fairwealth Financial | Brampton, Ontario | MBA, CPA, CGA | | | [Anita Bruinsma](https://find.wellspent.co/advisors/anita-bruinsma.md) | Clarity Personal Finance | Toronto, Ontario | CFA | | | [Jessica Moorhouse](https://find.wellspent.co/advisors/jessica-moorhouse.md) | | Toronto, Ontario | AFCC | Flat fee or retainer | | [Louai Bibi](https://find.wellspent.co/advisors/louai-bibi.md) | Ecivda Financial Planning Boutique | Ottawa, Ontario | | | | [Tim Nash](https://find.wellspent.co/advisors/tim-nash.md) | Good Investing | Toronto, Ontario | | | | [William Morrison](https://find.wellspent.co/advisors/william-morrison.md) | Inverlochy Capital | Bobcaygeon, Ontario | CFA | Percentage of assets | | [Bruce Wood](https://find.wellspent.co/advisors/bruce-wood.md) | BW Financial Planning | Thorold, Ontario | CFP | | | [Dan Lambert](https://find.wellspent.co/advisors/dan-lambert.md) | Caldwell Wealth & Estate Advisory | Kingston, Ontario | CFP, CIM, FCSI, CHS, RIS | | | [Elaine Martinez](https://find.wellspent.co/advisors/elaine-martinez.md) | MANE INSIGHTS | Innisfil, Ontario | CFP, CIM, CIWM, FCSI, CEA, CFDS | | | [Janet Gray](https://find.wellspent.co/advisors/janet-gray.md) | Money Coaches Canada | Ottawa, Ontario | CFP, EPC, CPCA | | | [John Palimaka](https://find.wellspent.co/advisors/john-palimaka.md) | Polonus Financial Services | Ottawa (East), Ontario | CFP | | | [Lesley Poole](https://find.wellspent.co/advisors/lesley-poole.md) | Next Chapter | Gananoque, Ontario | CFP, CFDA | | | [Lisa Calleja](https://find.wellspent.co/advisors/lisa-calleja.md) | Sunrise Financial Planning | Stoney Creek, Ontario | CFP | | | [Matthew Sears](https://find.wellspent.co/advisors/matthew-sears.md) | T.E. Wealth | Toronto, Ontario | CFP, CFA | | | [Mike Travers](https://find.wellspent.co/advisors/mike-travers.md) | Plan2bewealthy | Dundas, Ontario | BComm, CFP | | | [Rick Tomalty [full service with a fee-for-service option]](https://find.wellspent.co/advisors/rick-tomalty-full-service-with-a-fee-for-service-option.md) | Caldwell Wealth & Estate Advisory Ltd. | Kingston, Ontario | CFP, CLU, ChFC, CHS, MFA, CEA, CKA | | | [Rona Birenbaum](https://find.wellspent.co/advisors/rona-birenbaum.md) | Caring for Clients | Toronto, Ontario | CFP | | | [Sara Ready](https://find.wellspent.co/advisors/sara-ready.md) | Caring for Clients | Toronto, Ontario | CFP | | | [Shannon Lee Simmons](https://find.wellspent.co/advisors/shannon-lee-simmons.md) | New School of Finance | Toronto, Ontario | CFP, CIM | | | [Tim Lew](https://find.wellspent.co/advisors/tim-lew.md) | Choice Asset Groups | Guelph, Ontario | CFP, CHS | | | [Vince Murton](https://find.wellspent.co/advisors/vince-murton.md) | IMR Financial Planning Inc. | Toronto, Ontario | CFP, CLU, TEP | | | [William (Bill) Green](https://find.wellspent.co/advisors/william-bill-green.md) | William Green Fee Only Planner | Bracebridge, Ontario | CFP, CIM | | | [William D. Jack](https://find.wellspent.co/advisors/william-d-jack.md) | William D. Jack & Associates | Toronto, Ontario | CFP, FCIA, CPCA | | | [Christopher Keeley](https://find.wellspent.co/advisors/christopher-keeley.md) | Inukshuk Capital Management | Toronto, Ontario | CFA | Percentage of assets | | [Darryl Brown](https://find.wellspent.co/advisors/darryl-brown.md) | You&Yours Financial | Toronto, Ontario | CFA | | | [Kristine Beese](https://find.wellspent.co/advisors/kristine-beese.md) | Untangle Money | Toronto, Ontario | MBA, P.Eng, CSC | | | [Parish Bhumgara](https://find.wellspent.co/advisors/parish-bhumgara.md) | PHB Financial | Mississauga, Ontario | PFA | | | [Steven Arnott](https://find.wellspent.co/advisors/steven-arnott.md) | Ripple Financial Planning | Toronto, Ontario | CFA, MBA | | | [Viraj Trivedi](https://find.wellspent.co/advisors/viraj-trivedi.md) | Clearview Consulting Inc. | Greater Toronto Area, Ontario | CPA, CA, CBV | | ## About this data Sources and verification: https://find.wellspent.co/methodology/ Query the directory programmatically: https://api.wellspent.co/mcp (MCP, read-only, no auth).