Ripple Financial Planning

My husband and I employed Steven's services for a financial check up" of sorts

We can't thank Steve enough for his advice regarding our financial matters. For the past few years I had many sleepless nights because I feared not being able to retire ever, let alone in the next few years.After a few phone meetings he was able to show us how to not only pay off our bills and mortgage but plan to retire reasonably comfortably in 4-5 years. Steve's knowledge of finances, accounting and tax laws was very impressive.Not only is Steve extremely competent in his field of expertise but his communication style is compassionate, understanding and non-judgmental, making my wife and I at ease throughout the entire process.We feel not only did we develop a rapport as a confidant but also a friend. Steve, we cannot thank you enough.David and Nancy PalmerHalifax, Nova Scotia

Working with Steve was a pleasure and I strongly recommend his services. Over the span of multiple meetings, Steve worked with my partner and I on the following key items:1) Scenario planning for a home purchase2) Retirement portfolio composition and asset allocation3) How to sequence our savings through registered and non-registered accounts4) Tax efficient management of an income property5) Debt management vs investment tradeoffs6) Personal insurance needsWhat made Steve standout was his focus on educating us throughout the journey and showing all the options instead of trying to push boilerplate solutions.Whether you’re new to personal finance or a confident DIY’er, Steve can add value to your finances by bringing a holistic approach and delivering a detailed action plan customized to your needs.

I would highly recommend using Mr. Steven Arnott's services for your financial planning needs. He was professional, knowledgeable and really cared about tailoring my plan to my needs. Definitely worth the investment.

We conducted a pretty thorough search for a fee-for-service financial planner and decided to work with Steven after our introductory phone call. He was thoughtful, deeply-informed, and, above all, enthusiastic about working with us.Over the course of our subsequent conversations we covered everything from the basics (income, pensions, insurance etc) to the big stuff, like our goals (not just financial) for ourselves and our family. In doing this exercise - during which Steven answered all of our questions quickly and thoroughly - we were much better able to conceive of a holistic financial future.The end product - our financial plan and an itemized list of next steps" - is a revelation. Its clear guidance answers question that we've been asking ourselves for at least a decade and has provided us with real confidence in our financial situation now

Steven did a great job reviewing my self-managed investment portfolio and offering some thoughtful suggestions to improve my results and save on taxes. He was very professional, trustworthy and I'd definitely recommend his portfolio review to anyone.

Would highly recommend Steven's financial planning expertise and services for anyone looking for a non-bias, all-encompassing financial review and action plan. This type of advice and recommendations based on my unique situation was exactly the service I had been looking for and one that any Canadian can benefit from.

Steven has helped me develop a strong understanding of what my money can do and should do for me. His knowledge and patience in explaining financial strategies and the pros and cons of each have given me the confidence to now say I have a clear plan for my finances into the foreseeable future. If you have been avoiding financial planning because you find it overwhelming, Steven will help you through it to help you understand the what and why of your money. I'd recommend him to anyone looking to review and plan for their money. Thank you so much Steven!