You've invested years — often decades — building your professional expertise. You earn well. But high income comes with high complexity: Canada's top marginal tax rates hit professionals hard, employer benefits need coordinating with personal savings, professional liability creates unique insurance needs, and the time demands of a serious career leave little room to think about personal finances.
Many professionals reach their 40s and 50s realizing that despite strong incomes, their financial plan has never really been optimized. RRSP contributions made without a strategy, insurance coverage that hasn't been reviewed in years, an estate plan that doesn't reflect current assets or family circumstances, and a retirement timeline that feels increasingly unclear.
Joanne David CFP® FCSI works with Alberta professionals across every field — physicians, lawyers, engineers, accountants, educators, pharmacists, and executives — who are ready to take their finances as seriously as they've taken their careers. As a fee-only advisor, she earns nothing from the products she recommends. Her only job is to give you the best advice for your situation.
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✓ Tax-Efficient Income Strategies
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At Alberta's top marginal rates, every dollar of tax saved is a dollar working for you. We build strategies around income splitting, RRSP timing, charitable giving, and deduction optimization to reduce your annual tax burden significantly.
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✓ RRSP, TFSA & Investment Planning
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High earners have significant registered savings room — but maximizing it requires a coordinated strategy, not just contributing the maximum each year. We build a plan that optimizes your registered and non-registered accounts together.
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✓ Incorporation Analysis for Professionals
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For many Alberta professionals earning above $150,000, incorporation can provide meaningful tax deferral advantages. We run a thorough analysis of whether it makes sense for your specific income, expenses, and professional regulations.
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✓ Disability Insurance & Income Protection
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Your income is your most valuable asset. Own-occupation disability insurance — which pays if you can't perform your specific professional duties — is essential for any professional. We review your current coverage and make sure it's adequate.
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✓ Employer Benefits Integration
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Group benefits, defined contribution pensions, group RRSPs, and stock options all need to fit into your broader financial plan. We make sure your employer benefits are working as hard as possible alongside your personal savings.
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✓ Estate Planning for High-Net-Worth Professionals
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Wills, powers of attorney, beneficiary designations, and trusts — professionals with significant assets need an estate plan that reflects their current reality and minimizes the tax burden on their estate.
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✓ Retirement Planning for Peak Earners
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Professionals often have a shorter high-earning window than they expect — and a retirement income need that reflects their professional lifestyle. We build a retirement plan that replaces the income you need, tax-efficiently.
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✓ Charitable Giving Strategies
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Donor-advised funds, gifts of appreciated securities, and charitable bequests can significantly reduce your tax burden while supporting causes that matter to you. We help you give smarter.
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✓ Life Insurance & Wealth Transfer
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For high-net-worth professionals, life insurance can be a powerful wealth transfer and estate equalization tool — not just income replacement. We help you understand when and how it makes strategic sense.
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Your Time Is Too Valuable for Financial Guesswork.
Professionals are often the worst at managing their own finances — not because they lack the intelligence, but because they lack the time. You've spent your career developing deep expertise in one area. Financial planning is a different area of expertise entirely. Working with a fee-only CFP means getting the same quality of advice you'd expect in your own field — from someone whose only incentive is to get it right for you.
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