Unbiased, Transparent, and Tailored to Your Needs
At Setu Financial Partners, we provide financial planning services based on your needs, not on selling products. Our Flat fee-for-service model is designed to offer clear, objective guidance without requiring you to move your investments or purchase insurance through us. Whether you’re a newcomer to Canada, planning your first home, preparing for retirement, or just seeking a second opinion, our planning services are structured to provide honest, actionable advice at a flat, transparent cost.
First-Time Home Buyer – Planning
Designed to support individuals and families preparing to buy their first home in Canada—especially newcomers—this service includes:
- A personalized strategy to build your down payment efficiently
- Guidance on using the Tax-Free First Home Savings Account (FHSA) and RRSP Home Buyers’ Plan (HBP)
- Information on mortgage readiness, credit history, and tax benefits
- Ongoing phone and email support until your home purchase is complete
Fee: $500.00 + HST
Includes up to 4 hours of planning time and continued support throughout your home-buying process journey.
Retirement Projections
This service offers a focused snapshot of your retirement readiness—ideal for those who want clarity without committing to a full financial plan or transferring assets.
We’ll help you:
- Estimate retirement income based on CPP, OAS, and pensions
- Review existing RRSP, TFSA, DB or DC Pensions and other savings
- Project a sustainable income plan with tax considerations.
- Understand your options for timing retirement and potential adjustments
Fee: $1000.00 + HST
Includes up to 5 hours of meetings and planning, and Analysis of current Investment and Pension accounts.
One-Time Project
A holistic but manageable check-in on your financial life—suitable for families, professionals, or anyone seeking clarity without complexity. Includes:
- A review of your income, savings, and spending
- Investment account and RESP reviews
- Assessment of existing insurance and financial products
- Simple, actionable recommendations based on your goals
You’ll also receive limited follow-up support by email or phone for ongoing questions or
clarification. Contact Us for more information on this service.
Fee: $500.00 to $2500.00 + HST
Pricing ranges depending on the complexity involved.
Who We Work With
- New immigrants building their life in CanadaDo-it-yourself investors looking for unbiased guidance
- Busy families and professionals who want clarity without pressure
- Anyone seeking financial insight without a sales agenda
You’re free to continue managing your finances through your preferred providers. Our role is to support your decisions—not to sell products.
Let’s Build Your Financial Bridge
Whether you’re new to Canada or entering a new life stage, we’re here to walk with you. Let’s start with a conversation—one that connects your present to your future.