We are Planificateur Financier Indépendant, led by Marc-Olivier Desmarais, CPA, Pl. Fin., and we're dedicated to helping individuals, particularly self-employed professionals, entrepreneurs, and those approaching retirement, achieve financial independence. We believe that financial independence is the freedom to live life on your terms, without compromise, and with the power to fully invest in your most important projects. We don't just offer financial advice; we offer a pathway to a more fulfilling life.
Based in Laval, Quebec, and serving clients across various cities (including Montreal, Quebec City, Gatineau, Longueuil, Sherbrooke, and more), we provide independent financial planning services that are completely tailored to your unique situation. We're not tied to any specific financial institution or product line; our recommendations are based solely on your best interests. We emphasize a 360-degree approach, considering all aspects of your financial life.
What makes us different?
-
Independent Advice: As an independent financial planner, Marc-Olivier Desmarais can recommend financial products from a wide range of providers, ensuring you get the best solution for your needs, not just what a single company offers.
-
Holistic Approach: We look at the whole picture. This includes your investments, insurance, personal and family situation, retirement, estate, and tax planning. We integrate all these elements to create a cohesive strategy.
-
Focus on Financial Independence: Our core mission is to guide you towards financial independence, empowering you to live a life aligned with your values and goals.
-
Experienced Team: Marc-Olivier Desmarais is a CPA and a licensed financial planner (Pl. Fin.), with years of experience in both large accounting firms and the financial advisory industry. He works with a team of financial planners, fund managers, insurers, tax specialists, notaries, and CPAs to provide comprehensive support. He is overseen by the "Autorité des Marchés Financiers (AMF)" and by the "Institut Québécois de Planification Financière (IQPF)".
-
Client-Centered Process: We prioritize building a strong relationship with you, understanding your needs, and providing clear, jargon-free explanations.
-
Continuous Financial Planning Process: We offer an ongoing process, with regular reviews and adjustments as your life and goals evolve.
-
Bilingual Services: Services are available in English and French.
Our core services include:
-
Independent Financial Planning: Get unbiased recommendations on various aspects of financial planning, tailored to your specific circumstances.
-
Personal Insurance: Receive a comprehensive risk analysis and a customized insurance quote to protect you and your loved ones.
-
Portfolio Management: Invest your savings strategically to achieve financial independence, with a focus on long-term growth.
-
Retirement Planning: Develop a personalized savings and withdrawal plan to ensure a comfortable and secure retirement.
Marc-Olivier Desmarais, beyond his professional qualifications, also brings a unique perspective to financial planning. He's the owner and editor-in-chief of Portefeuille 101, a blog dedicated to portfolio management, and he's an avid skydiver with over 3,500 jumps! This blend of analytical rigor and a willingness to embrace calculated risk informs his approach to helping clients achieve their financial goals.
We are registered with PEAK Investment Services, giving our clients access to a wide range of investment options. We are not tied to any specific product line.
Ready to take the next step towards financial independence? Let's talk.
