About
This is for people
who've been trying.
Someone with $10,000 deserves the same quality of financial guidance as someone with $10,000,000. We built Your Pocket Planner to make that possible.
Why we built this
To all the Sarahs and Georges out there:
we built this for you.
Sarah and George's story:
"You know, what makes this so frustrating is that we did what we thought we were supposed to do. We worked hard, saved what we could. We had an advisor and trusted her, because that's what we were told was the 'right move'.
We paid her a lot of money over the years.
We figured things were being taken care of so we didn't think about it much. Years just went by, life was busy and we were distracted but we figured we were on track. We figured if we weren't that someone would tell us. That we'd be okay and when the time came, we could retire and finally enjoy life a bit. We really looked forward to that.
It wasn't until later that something started to feel off. When we finally sat down and looked at everything, it hit us: we're not as okay as we thought. We really weren't okay at all.
And now what? We're trying to catch up. I'm still working, I thought I'd be done by now. Sarah had retired but had to go back to work. And we're worried about our kids. They're struggling with their own stuff and we'd really wanted to help them and we just can't. Instead, now we're just worried we'll be a burden on them.
This isn't how we pictured things. These are supposed to be our golden years. It really hurts that we're stuck here, even though we were supposed to be alright. But all our time is gone and there's nothing we can do except grit our teeth and bear it."
These are real people. We've paraphrased, but this is a true story. And we've seen this exact story play out over and over again.
Sarah and George were failed by the system that was supposed to help them.
But you know what didn't fail? The fees they paid to their "advisor".
We don't like that. It's not fair. It's not right. It needs to be better. We built Your Pocket Planner to make it better.
Join us. Help change the story.
The team
Who we are.
Our beliefs
A few things we think are true
about financial advice in Canada.
You should know how we make money.
Your Pocket Planner makes money through subscriptions. That's it.
No referral fees. No fund companies. No data sales. Your subscription is our only revenue. Aligned incentives matter.
We win when you find genuine value, not when we steer you toward a product. When we say your fees are too high, we're not risking a relationship. We're just telling you what we see.
Transparency
What we are. What we're not.
Your Pocket Planner helps you build a plan for your finances. We're not a licensed advisor, portfolio manager, or planning firm. Our guidance is educational and doesn't constitute personalized financial advice under Canadian law.
For complex situations (significant business income, estate planning, large portfolios), work with a fee-only CFP alongside this tool.
Your Pocket Planner and qualified advisors should coexist. We're the foundation, not the ceiling. Work with a qualified advisor when your situation calls for it.