The financial planning industry was built largely by men, for men — and despite progress, women still often receive advice that doesn't fully account for the financial realities they face. The wage gap means lower lifetime earnings to save from. Career breaks for caregiving reduce CPP contributions and compress the retirement savings window. Women live longer on average — which means your money has to last longer too. And women are significantly more likely to face widowhood or divorce, often suddenly.
These aren't minor footnotes. They are structural realities that require a financial plan built specifically around them. Yet most financial plans treat women the same as their male counterparts — using the same assumptions, the same retirement age projections, and the same generic investment recommendations. That's not good enough.
Joanne David CFP® FCSI built her practice with professional women in mind. She works with women across British Columbia, Alberta, and Saskatchewan — professionals, business owners, women navigating divorce or widowhood, women returning to work after a career break, and women who simply want to understand their finances clearly and take control of their future. As a woman and a fee-only advisor, she speaks plainly, respects your intelligence, and is genuinely in your corner.
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✓ Catching Up After Career Breaks
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Time away from work for caregiving, family, or health reduces RRSP room and CPP contributions. We build a catch-up strategy for your peak earning years — including the CPP child-rearing dropout provision many women don't know they're entitled to.
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✓ Longevity Planning
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Women live longer — often significantly longer than their male partners. Your retirement income plan needs to be built to last 30+ years, not just 20. We make sure your money outlives you, not the other way around.
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✓ Divorce Financial Planning
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Divorce is one of the most financially complex events a woman can face. Understanding the true value of pension assets, RRSP splits, the matrimonial home, and your future income needs requires expert guidance. We help you navigate this with clarity — working alongside your lawyer.
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✓ Widowhood & Sudden Financial Transition
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Losing a spouse is devastating — and the financial decisions required in the aftermath are enormous. We provide compassionate, clear guidance through survivor benefits, estate settlement, income restructuring, and rebuilding a financial plan for your new reality.
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✓ Building Financial Confidence & Independence
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Many women tell us they've always left financial decisions to a partner or an advisor they didn't fully understand. We change that — explaining everything clearly, involving you in every decision, and building the financial literacy that lasts a lifetime.
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✓ CPP & OAS Optimization for Interrupted Careers
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Career gaps affect your CPP entitlement — but there are provisions specifically designed to protect women who took time away for caregiving. We make sure you're claiming everything you're entitled to, and timing your benefits optimally.
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✓ Investing with Clarity & Confidence
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Research consistently shows women are excellent investors — patient, disciplined, and focused on long-term goals. We build an investment strategy that matches your values, your timeline, and your risk tolerance — without unnecessary complexity or products you don't need.
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✓ Estate Planning to Protect What You've Built
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Wills, powers of attorney, beneficiary designations, and trusts — making sure your assets go where you want them to, your wishes are protected, and the people you love are provided for.
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✓ Retirement Planning on Your Terms
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Whether you want to retire early, work part-time, travel the world, or simply have options — we build a retirement income strategy that gives you the freedom to choose, not just the income to survive.
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You Deserve an Advisor Who Is Actually on Your Side.
Too many women have sat across from an advisor who talked over them, rushed them through decisions, or recommended products that served the advisor's income more than their goals. That ends here. Joanne built this practice to be different — clear, direct, respectful, and completely free of the conflicts that come with commission-based advice.
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