Canadian Financial Planners
Helping Canadians understand and plan for their futures, one financial plan at a time.

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.

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


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.
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 make 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!
Financial Advise 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!

Last Minute Gift Idea: US!
We’re just stopping by to remind you time is running out and we are a sweet option for a gift they won’t expect that will enrich their lives! Our plans are affordable

Who Could Use Infinite Banking?
We’d be hypocrites if we told you all financial advice on social media platforms is garbage. There are plethoras of people we admire online giving sound advice for free. However, there’s also