We provide comprehensive wealth management solutions tailored to your unique needs. Our team of CERTIFIED FINANCIAL PLANNER® professionals ensure every recommendation is designed to help you achieve your goals.
Experience precision planning with Canada's most advanced financial software. Model complex scenarios, assess risks, and optimize strategies tailored to your unique goals with institutional-grade tools.
Disciplined approach leveraging IG Private Wealth Management's investment team and global investment partners. Access institutional strategies typically reserved for ultra-high-net-worth investors.
Connect with specialized tax lawyers, estate attorneys, and insurance experts. Your plan is backed by the collective wisdom of industry-leading professionals.
Never miss opportunities with our proactive planning meetings, tax optimizations, and legislative updates. We monitor your wealth 24/7 so you can focus on living.
We've refined our approach over 30 years to ensure you get the most comprehensive financial planning experience
15-minute confidential conversation to understand your goals and concerns. We'll assess if we're the right fit—no pressure, no obligation. You'll know our fees, approach, and expertise upfront.
90-minute comprehensive analysis of your complete financial picture. We uncover opportunities you didn't know existed and identify risks hiding in plain sight.
Receive your personalized roadmap with specific strategies for tax savings, retirement optimization, and estate preservation. Every recommendation is backed by data and aligned with your values.
We handle everything: account transfers, investment allocation, and insurance placement. Ongoing monitoring ensures you stay on track through market changes and life transitions.
A CFP® professional is to financial planning what a CPA is to accounting—the gold standard. Unlike generic "advisors," CFP® professionals complete rigorous education (equivalent to a master's degree), pass comprehensive exams, and maintain ongoing education.
Most importantly: We're fiduciaries, legally obligated to put your interests first. This isn't just marketing—it's enforced by law. While other advisors can sell you products that pay them the highest commissions, we must recommend only what's best for you.
All Bay & Associates advisors hold the CFP® designation, plus additional specializations like CLU® (business and insurance planning), CFDS (divorce and separation expertise) and TEP (trust and estate expertise).
Have you ever faced a financial decision you weren't completely confident in? Whether choosing investments, optimizing registered account contributions, deciding which debt to pay first, or worrying about outliving your retirement savings—a financial planner helps you navigate these critical choices.
You'll gain confidence knowing every decision is backed by a team of professionals with your best interests in mind.
IPPs are "supercharged RRSPs" that allow 30-50% higher contributions than regular RRSPs. For incorporated professionals and business owners over 45, IPPs can provide:
We've established dozens of IPPs for engineers and business owners in Kelowna and Vancouver. Most save $20,000-50,000 annually in taxes while building larger, protected retirement funds.
Complete transparency: Our advisory fee ranges from 0.75% to 1.1% of assets under management, decreasing as your portfolio grows. The industry average is 1.5%, so you save immediately.
Portfolio Size | Annual Fee |
|---|---|
$500K - $1M | 1.10% |
$1M - $3M | 0.90% |
$3M - $5M | 0.75% |
$5M+ | Negotiated |
No hidden fees. This covers everything we do: planning, investment strategy, reviews, tax strategies, complex cases, and unlimited access to our team. Most clients save more in taxes than our entire fee.
We handle everything. Our dedicated transition team manages all paperwork, account transfers, and communication with your current institution. The process typically takes 2-3 weeks, and you maintain full access to your accounts throughout.
We'll also provide a complimentary portfolio review comparing your current holdings, fees, and performance against our recommendations—no obligation. Many clients discover they're paying more in hidden fees than they realized.
If you decide to stay with your current advisor, we'll still provide you with our analysis to help you ask better questions and get better service.
Local business leaders share their unique lessons and strategies for success. Andrew Bay interviews experts across various fields, providing valuable advice on guiding high-performance teams.
Stay informed with expert analysis and strategies from our team and industry thought leaders
Join hundreds of successful families who've entrusted Bay & Associates to preserve and grow their wealth
Book Your Complimentary Consultation
✓ No obligation ✓ 15-minute call ✓ $500K minimum investable assets ✓ Transparency
