Free Resources
Free Guides & Checklists
Practical, no-jargon checklists covering the topics that come up most — retirement, tax strategy, investing, estate planning, and more. Pick the one that matches where you are right now.
Practical, no-jargon checklists covering the topics that come up most — retirement, tax strategy, investing, estate planning, and more. Pick the one that matches where you are right now.
Every one of these 14 guides is free, no strings attached — fee-only financial planning and tax advice from an independent CFP® with 25+ years of experience helping professionals, business owners, and families across British Columbia, Alberta, and Saskatchewan.
Fourteen free guides and checklists, numbered by series. Click any title to jump to it.
Take control of your financial future — a free, practical checklist for professionals, engineers, business owners, and high achievers.
Download Free Checklist →Take control of your financial future with this practical starting point.
Everything you need to check off before retirement — CPP timing, RRSP drawdown, OAS clawback avoidance, and more. Free checklist for Alberta professionals approaching retirement.
Download Free Checklist →The decisions you make in the next 10 years will shape your entire retirement.
You did the saving. Is the money doing its share? Asset mix, all-in fees, tax-smart account placement, idle cash, and a written downturn plan — for professionals past the “getting started” stage.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Common tax and investment errors that cost professionals thousands every year — and how to avoid them.
Download Free Guide →The decisions you make once. Income and cash flow, RRSP strategy, pension and CPP timing, insurance, and estate planning — built for engineers and oil patch professionals in Alberta.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Is your money building as much as you are? Seasonal income, union pension and CPP, disability and WCB gaps, mortgage strategy, and estate planning — built for Alberta trades and construction professionals.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Practical, CRA-compliant ways to reduce your tax bill and keep more of what you earn. Written for professionals and high-income individuals in Alberta, BC, and Saskatchewan.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Home office deductions, vehicle expenses, income splitting, and other ways sole proprietors and small business owners can legally reduce their tax bill.
Download Free Guide →Salary vs dividend optimization, PHSP plans, retained earnings, and other powerful tax strategies for incorporated owners.
Download Free Guide →Protect what you've built — wills, beneficiary designations, tax at death, and everything in between. Written for Alberta families, professionals, and business owners.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Everything you need to do — financially and legally — before you go. Departure tax, RRSP strategy, TFSA rules, CRA notifications, and more.
Download Free Checklist →Start planning at least one year before you leave — most strategies require lead time.
Free eligibility guide and application support for caregivers and individuals with disabilities.
Download Free Guide →Practical guidance on inheritance, career gaps, longevity planning, and building financial confidence as a woman.
Download Free Checklist →Receiving an inheritance? A practical, no-pressure guide to understanding what you have received, avoiding rushed decisions, and integrating it into your financial future — at your own pace.
Download Free Checklist →Fee-only financial planning & tax advice. Independent CFP®, 25+ years of experience. No strings attached.
Alberta-focused retirement, tax, and investment strategies delivered monthly — written for professionals, engineers, and business owners.
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Book a free 20-minute exploratory call with Joanne David CFP FCSI. No pressure, no sales pitch — just clear, honest advice tailored to your situation.
Book Your Free Call with Joanne →Most clients say this is the most valuable 20 minutes they’ve spent on their finances.