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https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1614549163985-4EB7O9ETBNKEB1GQKWS4/image-asset.jpeg Why - Our mission: Transforming lives through Life Centered Planning to give you the freedom to live the life you desire. Success isn’t about the numbers; it’s about fulfilling a purpose. We work with you to make the most of the money you have, and to empower wise financial decisions according to what you value most. https://advice-first.ca/fees daily 0.75 2026-01-06 https://advice-first.ca/how daily 0.75 2026-01-06 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/62431f8a-2162-453d-b6e1-706a0230f10d/infographic.gif How - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/team daily 0.75 2026-01-22 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/03458573-50ee-4c46-bf85-a7677c893de8/AdviceFirst_Headshots_Sept1-8.jpg Team - Brad Smith Brad Smith, CIM Senior Wealth Advisor https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/4b207cee-8a5e-419c-b451-00acaf1b43a7/AdviceFirst_Headshots_Sept1-6.jpg Team - Tim Tim Borody, CFP, CPA CMA Wealth Advisor https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/221f5a35-c4a1-4377-8be1-800a4118ea45/AdviceFirst_Headshots_Sept1-4.jpg Team - Laurie Smith, B.A. Laurie Smith, B.A. Client Relations Manager https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/c8cbc047-5d45-4ffd-933d-a17c9e7e3dc7/AdviceFirst_Headshots_Sept1-1.jpg Team - Make it stand out Nancy Kitts Client Experience Coordinator https://advice-first.ca/home daily 1.0 2026-02-12 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1de6a430-3c34-47f0-9b6a-cf77e50f23c6/an+alternative+perspective.webp Home https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/b47c40cf-da6d-4418-abde-d70c933571dc/each+person+is+unique.webp Home https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/04e6aadc-214c-4a35-8595-78aa9cf1bf02/it+all+starts+with+you.webp Home https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1625242800905-KY8NQ9DII429Y9IAO25O/ADVICE+FIRST+FRONT+BOOK+COVER.png Home https://advice-first.ca/who daily 0.75 2025-08-27 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/5508b10a-e269-401e-b7a3-80ccfd9b48b8/Sept18_Export-2.jpg Who Get to know our team at Advice First https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1632594436778-FI3AB27R2TYYLAPG8K71/unsplash-image-I-zSrQnLlX0.jpg Who Learn about the types of clients we work with https://advice-first.ca/tim-borody daily 0.75 2026-01-12 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/b7a83bf0-ecd6-4a1e-b785-4834e68b70bb/Family+Shot.jpg Tim - Tim joined Advice First officially in 2017, bringing a strong background in finance and accounting to the team. In his role as a Life Centered Planner and Retirement Coach, Tim works with families to develop their Life Centered Financial Plans, and get the best life possible with the money they have. Background: Tim grew up in Kawartha Lakes, north of Toronto, and spent several years in West Africa while his parents worked as missionaries. He later attended Wilfrid Laurier University where he studied business and investment management. Tim and his wife Laura enjoy spending time with their son Alex while they await the birth of their second child in April 2021. Tim's favourite pastimes include golfing, baseball, and watching football on Sundays when he and the family aren't out exploring the woods and trails near their home in Woodstock. https://advice-first.ca/brad-smith daily 0.75 2022-09-02 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1631560160119-WVWEXWIOHHHYWI5LC5MX/DSC03243.jpeg Brad https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1631559926104-I3LXM9BET51VK7RE4K0E/DSC03103.jpeg Brad https://advice-first.ca/clients daily 0.75 2021-11-18 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634936900047-Z4YX60M0MRGAJ15LN8BB/gettyimages-1027141710-612x612.jpg Clients - Nearing Retirement You have about three to five years until retirement, and want to determine how much you'll need to sustain your lifestyle in retirement, and what needs to happen to get you there. You might not realize whether you already have enough, and need the confidence to trust that you've reached the point of financial independence. We work with you to bring you clear answers to those questions, as well as establish cash flow and distribution plans that fit you and your desired lifestyle. Learn more… https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634936924885-8CTFNDKD62OEASATUUL3/gettyimages-904598344-612x612.jpg Clients - Young accumulators You are working and building your wealth, and want to know the best way to maintain and improve your lifestyle, while working towards future goals and objectives. You also have life transitions ahead—both known and unknown—that you need to prepare for. We work with these clients to build a lifetime financial plan that can adapt to life's changes, and ensure you get the best life possible—on your own terms. Learn more… https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634936971645-NEL2ETZAAJ77Z5Y3DPLD/gettyimages-1062957964-612x612.jpg Clients - Business owners & farmers For most business owners, your business is not only your livelihood, but also a major part of your retirement plan. But how will you know when it's time to step away from the business? We help business owners and farmers to create strategies that generate income and cash flow for your future, and help you prepare for the eventual transition out of the business into retirement. Learn more… https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634937028157-GEKQKRGDTKF2458LKZIN/gettyimages-1210549949-612x612.jpg Clients - Retirees Once you are retired, one of the biggest risks to your plan is erosion of wealth due to inefficient withdrawals and taxes. We work with retirees to enjoy the best lifestyle possible, while structuring cash flows and distributions efficiently to minimize taxes. We also help you ensure that your assets will be handled appropriately through your estate, and that your wealth is transferred efficiently to your beneficiaries. Learn more… https://advice-first.ca/6-aspects-of-planning daily 0.75 2024-10-24 https://advice-first.ca/testimonials daily 0.75 2021-09-05 https://advice-first.ca/resources daily 0.75 2025-08-27 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/955a86ac-00b7-4965-9a35-4d233dda5e58/1.png Resources https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/708ba378-66c3-4565-9a84-61e525b9c586/3.png Resources https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/f873f637-e7d3-4e3b-99c0-ecd304cdbd89/4.png Resources https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1625242840005-LO5B64YYJ0P3MPQIK93S/ENOUGH+3D+ADVICE+FIRST+FINANCIAL+GROUP.png Resources - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/investment-philosophy daily 0.75 2026-01-06 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/0bd460dc-e810-4854-b533-feeb351641fd/Allocation-1.jpeg Investment Philosophy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/4dee26b7-08cc-463f-a3a8-ad00d9f9fced/Allocations.png Investment Philosophy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/f765d695-7e94-432c-9f4d-d15d336310db/Private-Debt-2.jpeg Investment Philosophy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/3866f0c6-0605-4d7d-adc0-cddb39c7e69e/cpp-1.jpeg Investment Philosophy - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/retirement-coaching daily 0.75 2025-08-29 https://advice-first.ca/laurie-smith daily 0.75 2025-05-27 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1631559957004-38PQK9ZAJMM4090IHATW/DSC03101.jpeg Laurie - First Name Last Name It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1631560055143-B24UH1XGHU65CQH3A7AY/DSC03228.jpeg Laurie - Make it stand out Brad and Laurie’s children: Emma, Nick and Will https://advice-first.ca/ed-jacob daily 0.75 2024-10-16 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1631559844920-VDVAWQOFE1RTWU6H55MC/DSC03224.jpeg Ed - First Name Last Name Ed and his wife Lynn https://advice-first.ca/risk-management daily 0.75 2026-01-06 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634934764119-2Q141T4ZTVDIAO3ASHUP/Screen+Shot+2021-10-22+at+4.05.38+PM.png Risk Management Traveling? Inquire about Manulife's Travel Insurance options to ensure you are covered while abroad https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634935157132-XLOFAHM0Z584IHYVKF20/Screen+Shot+2021-10-22+at+4.39.06+PM.png Risk Management When it comes to choosing life insurance, term insurance offers several benefits including simplicity, predictability and affordability. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1649345966190-WVSOOZZ20KT9DDBXMGSZ/GettyImages-1127266110.jpg Risk Management - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/case-studies-retirees daily 0.75 2021-10-16 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634387718308-Q5H6CXVETZAVOLEB5QT0/unsplash-image-kwqJwtlb0KU.jpg Case Studies: Retirees - Case Study 1 This client family was concerned with protecting their estate from market downturns and inflation. After consulting with us, they realized that taxation would be an even bigger factor, and together we structured their estate to minimize erosion. This family told us that our advice was different from other advisors they had spoken with. While other advisors had recommended that they keep growing their savings and defer gifting to their estate, we encouraged them to consider giving some away while they were alive, so they could see the blessing and benefit it brings. Plus, their children or favourite charity could use the help now. The clients realized that they risked dying with too much. The following Christmas they gave a sum to each of their adult children. They told us afterwards, “You should have seen the look on their faces when we gave them the money. It was worth everything to us to have that experience with our family while we are alive.” We tell our clients the truth about money: you do not want to die with too much. Money is a tool to provide for yourself, others, and your favourite charities. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1618583259012-GNEOS18163HYGC6JE5SZ/unsplash-image-zlA7c39DfFk.jpg Case Studies: Retirees - Case Study 2 For many years, we worked with this client family to prepare them for their transition into retirement. At each review we conducted, they asked the same question—whether they had enough to retire. At each review, we would assure them they had enough. But, enough for what? We also asked them, “What are you retiring to?” It’s not just retiring from something—it’s about retiring to something. At each meeting, the clients were looking for permission to retire. For several years, the clients still had more to accomplish at work before they chose to retire on their terms. But when that day came, they knew they were ready and had the confidence to transition well. The work to determine the cash flow projections, and when to start taking CPP, OAS or drawing on savings was all done. Now it was about getting their best life with the money they had. We explored their Return on Life Index and future transitions using our Financial Lifelines Tool. Through these discussions, the clients were able to determine the right community in which to retire in a warmer climate, and the bucket list of accomplishments they wanted to achieve, all with the confidence that they had enough cash flow for the rest of their lives. https://advice-first.ca/case-studies-young-accumulators daily 0.75 2021-10-22 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1632596346619-18AV1C1MWN4TRYUNIIM3/unsplash-image-fOIEBmRTVlQ.jpg Case Studies: Young Accumulators Case Study 1 When we began working with this couple, they had just had their first child. Both were account managers for established companies, with good incomes, bonus plans, and stock plans. They wanted to upgrade their home within the next five years, save for their son's education, and begin a plan to purchase a cottage in the future. By taking advantage of some cash flow planning and tax planning during their high income years, and helping them prioritize their objectives using the $Lifelines tool, we created a savings plan that would enable them to reach their goals, while maintaining their lifestyle spending. Two years in, their new house purchase happened sooner than they had anticipated, with a second child on the way. Despite this unexpected change, our life-centered approach meant we could smoothly adjust and pivot their plan in a new direction, begin additional education savings, and still create future cash flow margin. By focusing on their upcoming life transitions and keeping their values at the center of their financial plan, this couple was set up to successfully adapt and make wise decisions throughout life's changes. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634936835542-ARH4VAW3JJBA320DOTHD/gettyimages-1127266110-612x612.jpg Case Studies: Young Accumulators - Case Study 2 This couple had been clients of ours for several years, and had a basic plan in place. Rather unexpectedly, one spouse changed careers and became an executive much earlier than anticipated. This position came with a number of executive compensation programs and stock option plans. As a result, tax planning became much more important in order to preserve the income she was earning. Working alongside the HR and payroll departments, we were able to create a tax plan for these clients that maximized all available programs and benefits. We also encouraged the family to give more now that their income had grown so substantially. Their annual giving increased almost tenfold, and they enjoyed a greater feeling of purpose, more involvement in some of the charities they supported, and the financial benefits of the tax savings. Their financial life plan was adjusted and augmented to include home renovations, additional savings, and a cottage sometime in the future. We also put a risk management strategy in place to provide provision in the event of the unexpected, and to fit their new lifestyle desires. https://advice-first.ca/case-studies-nearing-retirement daily 0.75 2021-10-22 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1632595201457-3V9AVVRPKEFP8KMK0ZSJ/GettyImages-92046624.jpg Case Studies: Nearing Retirement - Case Study 1 When these clients came to us, one spouse was already retired, but the other didn't know when that time might come. They were also concerned about what they would do in retirement, and what that transition would be like. They decided to attend one of our Retirement Coaching seminars to learn more about that program, and how to get the best Return on Life. As a result of that seminar and subsequent meetings, we created a financial life plan that not only helped them maintain their existing lifestyle, but gave permission for the second spouse to retire without concerns about cash flows in the future. Through careful distribution planning and tax planning, our plan showed them how to save over $400,000 in taxes over their lifetime, while providing the flexibility to live their lives to the fullest, and begin gifting money to their children and grandchildren through the years. Even more importantly, our retirement coaching program worked with both spouses to improve their return on life during their early retirement years by re-establishing what was important to them, what gave them a sense of purpose, and how to best utilize their time and resources, using our Return on Life index tool and activities. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1632596022272-RU4PQ7LE01RUFQIC36LI/GettyImages-1049512594.jpg Case Studies: Nearing Retirement - Case Study 2 This couple, both working in their late 50s with two children in university, had a healthy amount of savings, a well-funded RESP, and real estate assets including a recently-inherited commercial property. They came to us because while he had attempted to put together a financial plan on his own, he wasn't confident in the results, and was afraid he was missing something. Their situation had a lot of moving parts: various pension options, retirement dates, cash flow needs, taxation, and a desire to help their children with their first home purchases. He planned to continue to work to age 65, even though he wasn't getting the same enjoyment out of his career he had experienced in the past. She wanted to retire in the next 2-3 years, but didn't have the confidence to actually do it, or know whether they would be okay financially if she did. By taking them through our life-centered planning tools, we were able to map out all these upcoming transitions, and show them that they actually had more than they needed, and she could retire when she wanted. As a result, he decided to move his retirement up by several years in order to better enjoy what they had, and to undertake some hobbies that he had been putting off due to work. https://advice-first.ca/case-studies-business-owners daily 0.75 2021-09-05 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1618583079878-1VOFEP3F33PLP6I924FY/unsplash-image--THiqda3iGM.jpg Case Studies: Business Owners - Case Study 1 After several years as our clients, one spouse decided it was time to leave her job and career to start her own business. Not only did this decision impact their financial life plan, but it also called for further planning for business structures, compensation setups and life insurance. By keeping the focus on what they were trying to achieve, we assisted with building her business plan and setting goals for the business and future growth in alignment with their personal financial objectives. When a new partner was brought in several years later, we helped guide discussions on new planning opportunities—buy-sell agreements, life insurance on the partners, and health spending accounts for each of them—all while we continued to update and monitor their plan, and adjust as the business changed and grew. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1618583121179-LV3GWVFOPCA86BDWJLEL/unsplash-image-XLmWt913EOc.jpg Case Studies: Business Owners - Case Study 2 When dairy farmer “John” heard that his son really did want to one day take over the family farm, John was both proud and nervous. While he was proud to hand off the farm to the next generation, he quickly realized he had no idea how to do so successfully—especially since John’s daughter wouldn’t be part of the transition. We helped John and his family navigate all the implications of business transfer including tax and legal. But we went beyond that to also help John understand and consider his son as the next owner, and that sometimes an owner does not make a good manager (and vice versa—a good manager does not make a good owner), and helped John identify his son as a good manager, a good owner, or both. We also identified the key areas needed to provide for a successful transfer, such as strong family communications and a flexible plan while managing risk. Strong family communication was key, especially for those not directly involved in the business transfer. Since John’s daughter would not be involved in the family farm after the transition, John and his wife wanted to honour their daughter while knowing that fair is not always equal. We were able to guide a financial planning process that was flexible, actionable and built around strong family communications. This gave the family the clear roadmap they needed to complete a successful transfer of stewardship from one generation to the next. https://advice-first.ca/services daily 0.75 2025-11-27 https://advice-first.ca/return-on-life-toolkit daily 0.75 2025-10-27 https://advice-first.ca/tax-planning daily 0.75 2025-09-16 https://advice-first.ca/why-learn-more daily 0.75 2024-10-16 https://advice-first.ca/the-3-hats-of-a-lifecentered-planner daily 0.75 2021-10-26 https://advice-first.ca/contact-us daily 0.75 2026-01-06 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/03458573-50ee-4c46-bf85-a7677c893de8/AdviceFirst_Headshots_Sept1-8.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/4b207cee-8a5e-419c-b451-00acaf1b43a7/AdviceFirst_Headshots_Sept1-6.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/221f5a35-c4a1-4377-8be1-800a4118ea45/AdviceFirst_Headshots_Sept1-4.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/7a805cb0-26d4-430d-a788-821e15599915/AdviceFirst_Headshots_Sept1-9.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/c8cbc047-5d45-4ffd-933d-a17c9e7e3dc7/AdviceFirst_Headshots_Sept1-1.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/money-dates daily 0.75 2022-09-02 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/2bd472e5-4036-4669-a245-aaa9106d8566/IncomTax.png Money Dates https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/6cd43edc-ce48-42ce-aad0-751a12e25723/Instalments.jpg Money Dates - Make it stand out 2022 Payment Dates https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/88ac2783-f820-46fa-8dab-286e920a1814/IncomeTaxExpenses.jpg Money Dates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/764707e6-d015-45c3-968a-2719c916f9af/GST+Credit.jpg Money Dates - Make it stand out 2022 Payment Dates https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/d9d30ac2-acad-4888-b384-b2713ea46553/Registered+Plans.png Money Dates - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/e6512d33-88ef-4eae-9333-5a4cec50df92/CPP+OAS.jpg Money Dates - Make it stand out 2022 Payment Dates https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1350aac4-600c-4ba2-abee-b534eceab0ec/Child+Benefit.jpg Money Dates - Make it stand out 2022 Payment Dates https://advice-first.ca/enough-book-download daily 0.75 2022-02-23 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/1634331130537-HCDZHANELG1KJU1XK874/ENOUGH%2B3D%2BADVICE%2BFIRST%2BFINANCIAL%2BGROUP.jpg Enough Book Download - How Much Money Do You Need For The Rest Of Your Life? At Advice First Financial Group, we are proud to partner with Paul Armson and adopt his life-focused approach to serving our clients. As Life Centered Financial Planners, our attention was captured by Paul’s passion to help people to live the best life they could by knowing if they had ENOUGH! Paul’s personal journey resonates with our own life experiences and those of the families we work with. This book will challenge many of your assumptions about money and life and will give you greater clarity about what really matters in life. You will come to realize that the most precious thing you ‘own’ is time, and that life is not a rehearsal. https://advice-first.ca/testimonial-request daily 0.75 2022-04-21 https://advice-first.ca/privacy-security-policy daily 0.75 2022-09-02 https://advice-first.ca/policies-harbourfront daily 0.75 2022-08-15 https://advice-first.ca/-legal daily 0.75 2022-08-15 https://advice-first.ca/connie-renna daily 0.75 2025-01-16 https://advice-first.ca/nancy-kitts daily 0.75 2022-09-02 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/bcc4ebd8-494b-4511-9ec5-0fb4e9a5334a/Mike+and+Nancy+Photo.jpg Nancy Kitts - First Name Last Name It all begins with an idea. Maybe you want to launch a business. Maybe you want to turn a hobby into something more. Or maybe you have a creative project to share with the world. Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/b4cc41f0-9851-4861-9c6f-a3064c2bcd03/Nancy+and+Family+Photo.jpg Nancy Kitts - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://advice-first.ca/return-on-life-toolkit-1 daily 0.75 2025-01-13 https://advice-first.ca/wealth-transfer-estate-planning daily 0.75 2026-01-06 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/d928888f-e7dc-4e1e-8afd-25d404fe3264/estate_planning_welath_transfer.webp Wealth Transfer & Estate Planning - Make it stand out Wealth transfer is about providing for your loved ones and passing on values and wisdom to future generations. https://advice-first.ca/faq daily 0.75 2026-04-02 https://advice-first.ca/contact-us-1 daily 0.75 2026-02-27 https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/03458573-50ee-4c46-bf85-a7677c893de8/AdviceFirst_Headshots_Sept1-8.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/4b207cee-8a5e-419c-b451-00acaf1b43a7/AdviceFirst_Headshots_Sept1-6.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/221f5a35-c4a1-4377-8be1-800a4118ea45/AdviceFirst_Headshots_Sept1-4.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/7a805cb0-26d4-430d-a788-821e15599915/AdviceFirst_Headshots_Sept1-9.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://images.squarespace-cdn.com/content/v1/603bf981b81d5532a0a68a84/c8cbc047-5d45-4ffd-933d-a17c9e7e3dc7/AdviceFirst_Headshots_Sept1-1.jpg Contact Us - Make it stand out Whatever it is, the way you tell your story online can make all the difference.