Based in the financial center of Toronto, we are a team of fee-only financial planners who provide unbiased financial advice for a fee. Our model cuts down on conflicts of interest; we don't recommend or sell specific financial products. Our transparency brings lasting, long-term relationships with our clients.

Our Services Include: 

✅ Financial Planning: 360-degree assessment of your financial life. We use Advanced Scenario Analysis to stress-test your plan against real-world variables like market volatility or inflation. 
✅ Financial Planning for Business Owners: We help business owners navigate the overlap between corporate and personal wealth. We provide unbiased guidance on asset location, tax-efficient compensation, and risk management without the conflict of product sales.
✅ Retirement Income & Security Planning: We specialize in the "decumulation" phase; turning your hard-earned assets into a sustainable, tax-efficient paycheck that lasts a lifetime. Questions we help you answer: Do we have enough? We model your assets against your desired lifestyle to ensure you won't outlive your money.

Our Clients:

- We serve clients across Canada, including business owners and individuals seeking unbiased financial advice. Our clients value independent guidance without the influence of product sales. 
- Clients come to us when they need to make significant financial decisions; what to do with an inheritance, consideration of a large purchase, where to allocate surplus cash flow, investment questions, tax related issues, pension decisions, executive compensation questions, real estate questions, cross-border, risk management, etc.

Our Credentials and Experience:

- Merrick Financial Inc. holds the Certified Financial Planner (CFP) designation; globally recognized as the standard for financial planning excellence. 

If you're interested in learning more, schedule a free initial consultation: 
https://www.merrickfinancial.ca/book-online

Merrick Financial Inc.

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