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For over 25 years, Bay & Associates has provided comprehensive and personalized financial planning expertise for clients across Western Canada.

If you're looking for a financial advisor in Kelowna, Vancouver, or anywhere else in B.C. and Alberta, book an initial consultation with us to see if we're a great fit.

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Andrew Bay has been a valued financial planning resource for me for over 20 years. After understanding my personal goals and objectives, he helped me develop a personalized investment plan for my unique situation. He explains things in a way that’s professional and easy to understand. Andrew continues to provide me and my husband with excellent service regarding financial planning and I thank him for making our plan a reality. Their expertise in financial planning is second to their ability to forge deep and meaningful relationships with their clients and family.

Shannon L., Maple Ridge, B.C.

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Our Solutions

With an enhanced team-based approach that provides both local and national industry experts, our financial planners provide you with an elevated level of advice and resources. We provide comprehensive wealth management solutions and based on what is right for your unique needs, we will tailor an approach specific to managing your wealth and achieving your goals.

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Tax Planning

Taxes are a critical consideration that impacts every aspect of your financial life. As part of a holistic planning approach, we’ll integrate sophisticated tax planning solutions to help manage the complexities of your wealth and ensure your overall plan is tax-efficient.

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Investment Planning

We are guided by a disciplined investment approach that leverages the combined talents of IG Private Wealth Management’s investments team and leading global investment partners. This helps unlock a world of opportunity, so you can confidently pursue your goals and financial well-being.

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Retirement Planning

Your retirement plan should keep pace with your life. Our personalized advice goes beyond evaluating numbers to give you insightful retirement strategies based on our deep understanding of what truly matters to you.  We spend time helping you clarify your goals and objectives then we create a comprehensive plan, which we will monitor to ensure it meets your evolving needs.

Our Blog

Paying off their mortgage is a key goal for many Canadian homeowners. And paying down their mortgage faster often becomes a priority, given the financial freedom it represents. There are typically five reasons why people want to pay off their mortgage faster: To reduce the amount of interest paid. For the sense of freedom and peace of mind that come...
Did you know that over half of Canadians don’t have a will? And that number jumps to 70% for younger Canadians (aged 18-34) and 66% for those aged 35-54. This is even more surprising given that almost 60% of Canadians think they have a good level of estate planning in place. Many Canadians who do have a will are only...
Exploring the myth that it’s always better to take a fixed over a variable mortgage When you’re looking to buy a home or renew your mortgage, one of the most important decisions you’ll have to make is whether to sign up for a fixed vs. variable mortgage. A common myth is that it’s always best to go with a fixed-rate...