Canadian Financial Planners

Helping Canadians understand and plan for their futures, one financial plan at a time. Proud home of industry-disrupting financial plans.

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Countdown to Transparency

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Lower Fees

Paying more doesn’t always mean getting more. Take advantage of the same great financial advice at an extremely low cost with no hidden fees.

Lower Fees
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Helpful Advice

We’ll help you understand the complex world of finance by being fully transparent and open while offering unbiased opinions and helpful advice.

Financial Advice
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Financial Planning

Along with full investment management, we also provide clients with the tools necessary for successful short and long-term financial planning.

Financial Planning
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Financial Planning for Everyone

We believe everyone should have access to the best financial planners and advice. Unlike the banks, K4 Financial works with anyone regardless of the size of their investment portfolio.  

I reached out to K4 Financial concerned with my upcoming retirement and also looking at lowering our fees with our current advisor. Chad from K4 contacted me and he work on a retirement analysis for my wife and I and how K4 could lower our yearly fees from our current fee structure, let’s just say I was extremely impressed with the outcome.
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Ivan
5/5
When they announced they were going to do financial planning I jumped at the chance. I have been very pleased to work with Chad. He has provided a solid financial plan with accompanying advice and options, all during a very difficult time for our family. I highly recommend K4 Financial.
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Anne
5/5

What We Value

Our vision is to be the change in the financial services industry in Canada. We aim to change an industry full of secrecy and unnecessarily high fees by being transparent, open and offering unbiased opinions and recommendations to all our clients.

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1. Lower Fees

At K4 our advisor fee is 1.0% or less depending on asset level and complexity. We have paired with ModernAdvisor to manage our client’s assets. Their fee is 0.40%, plus an average ETF fee of 0.20%

2. Transparency

No commissions, no hidden fees, no conflicts of interest. A relationship built on trust cannot have fees hidden away in the fine print.  Our fees are written out in plain English and disclosed on every statement.

3. Financial Planning

We will focus on investment management, but our aim is to provide every client with a comprehensive financial plan that incorporates all 6-areas of financial planning.

4. Virtual

At K4 we value not only our own time but yours. Our commitment to virtual appointments makes it more convenient for meetings. Sorry, you’ll have to make your own coffee.

5. Performance

Growing with the market, our portfolios are designed to keep pace with the markets. Your portfolio is designed by a CFA charterholder, and adjusted based on the amount of investment risk you’re comfortable taking.

Financial Advice from Financial Experts

Get financial advice from the comfort of your own home! Kent Tilley posts new videos regularly with the goal of helping Canadians get ahead financially!

K4 Financial
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Financial Advice for Everyone

Kent and the team share their throughs on many different financial topics. Subscribe to K4 Financial on YouTube to get all their thoughts!