Money advice without the sales pitch.
I’m Toyin, a CPA helping everyday Canadians make confident money decisions. You pay me for honest advice, the same way you’d pay an accountant or a lawyer. No products, no commissions, no pressure.
Working with clients across Canada, entirely online.
What “advice-only” actually means
Most financial advice is free because someone’s earning a commission on what they sell you. Mine works the opposite way.
No products to sell
I don’t earn commissions and I don’t manage your money, so there’s nothing I’m quietly steering you toward.
You own the decisions
I give you the analysis, the numbers, and a clear plan. You stay in control of what actually happens next.
Built around your life
Advice that fits your goals and your real situation, not a sales target I’m trying to hit this quarter.
Five ways I can help
Pricing starts at the figures shown and depends on your situation. Whether you’re an individual, a couple, or a family, your exact fee is confirmed on a free intro call before you commit to anything.
Investment Review & Plan
A second opinion on the portfolio you already have, plus a clear plan for what to do next.
Financial Mentorship
Three guided sessions to get your cash flow and your money habits working for you.
Retirement Projection
Find out if you’re actually on track, when you can realistically retire, and on how much.
Retirement Income Planning
Turn what you’ve saved into income that lasts, without handing too much of it to tax.
Comprehensive Financial Roadmap
Your whole financial life pulled into one clear plan: cash flow, tax, retirement, and more.
Not sure which fits?
Start with a free intro call and we’ll figure out what you actually need.
See all services →Straight-talking, research-backed, and on your side
I’m a CPA and MBA, and I’m pursuing CFP certification. My approach is evidence-based and behavioural. I care as much about why we make money decisions as the math behind them. If you’ve watched the channel, you already know the style: clear, honest, and free of hype.
Get to know how I think first
Thousands of Canadians follow CPA Money Mentor on YouTube for straight, research-backed money content. It’s the best way to see if we’re a fit, long before you ever book a call.
Ready to make a confident money decision?
Book a free intro call and let’s figure out what you actually need.
Book a free intro call