You work hard.

Is your money working hard for you?

At Fliesser Financial, we provide professional, independent, data-driven financial advice, empowering individuals and families to unlock their financial freedom by ensuring that their money is working hard for them.

We believe that everyone deserves expert financial advice to live the life they want without worrying about finances.

Professional, Independent, Data-Driven Financial Advice

 Unlocking your 

 Financial Freedom

 with Professional, 

 Independent,     

 Data-Driven Advice

Professional

We bring a wealth of experience, knowledge, and expertise to each client’s unique financial situation. Fliesser Financial takes a systematic and organized approach to financial planning, identifying the most effective strategies and solutions that are tailored to our clients’ individual needs and priorities.

Independent

Fliesser Financial provides independent financial advice, meaning that we are not tied to any particular financial institution or product. This allows us to offer unbiased recommendations that are tailored to your individual needs and goals.

Data-Driven

Drawing on our background in engineering and data science, we developed a financial planning model that provides a rigorous, data-driven approach to personalized financial advice. This model allows us to incorporate comprehensive risk analysis into all of our recommendations.

Exciting Milestones? We Can Help

Financial Advisor Ottawa

Buying Your First Home

  • We can provide a comprehensive assessment of your financial health, and help create a realistic budget and savings plan to ensure you're financially prepared for homeownership.

  • Your credit score plays a crucial role in the mortgage approval process and the interest rate you'll receive. We can provide advice on improving your credit score and maintaining good credit habits, which can positively impact your ability to secure a favorable mortgage.

  • Saving for a down payment is often a significant hurdle for first-time homebuyers. We can help you explore various strategies for accumulating the necessary funds, such as setting up a dedicated savings plan, considering down payment assistance programs, or exploring investment options.

  • Homeownership comes with various tax implications. We can provide insights into potential tax benefits, deductions, and credits associated with buying a home, such as the new FHSA account, helping you optimize your tax situation.

  • Owning a home involves various financial risks, including market fluctuations, interest rate changes, and unexpected expenses. We can help you understand and manage these risks, ensuring that your homeownership decision aligns with your broader financial goals.

Financial Advisor Ottawa

Starting a Family

  • Starting a family often comes with increased expenses related to childcare, healthcare, and other child-related costs. We can help you assess your current budget, and create a comprehensive financial plan that accommodates the additional expenses associated with raising a child.

  • With the added responsibilities of parenthood, having a robust emergency fund becomes even more important. We can help you determine an appropriate size for your emergency fund, considering factors like potential loss of income due to parental leave, and unexpected child-related expenses.

  • As a new parent, it's essential to review and update your insurance coverage. This includes life insurance to provide financial protection for your family in case of an unexpected event. We can help you assess your insurance needs and find suitable coverage options.

  • There are various tax considerations for new parents, including potential tax credits, deductions, and changes to your filing status. We can help you navigate the tax implications of parenthood and identify opportunities to optimize your tax situation.

  • Saving for your child's education is a common long-term goal for parents. We can assist you in exploring education savings options, such as RESPs, and help you develop a strategy to fund your child's education without compromising your overall financial stability.

Financial Advisor Ottawa

Retirement Planning

  • Planning for a reliable income during retirement is a key aspect. We can help you determine the sources of retirement income, such as Old Age Security, CPP, Defined Benefits or Defined Contributions Pensions, RRSPs, TFSAs, RIFs, and retirement savings, and create a strategy to optimize these income streams.

  • Developing an investment strategy tailored to your retirement goals and risk tolerance is essential. We can help you create a diversified investment portfolio that balances risk and return, taking into account your time horizon and income needs during retirement.

  • Deciding when to claim OAS and CPP benefits can have a substantial impact on your retirement income. We can analyze your individual situation and help you determine the optimal time to start drawing OAS and CPP based on factors like life expectancy and financial needs.

  • Efficiently managing taxes during retirement is critical to preserving your retirement assets. We can help you develop withdrawal strategies that minimize tax liabilities and maximize the longevity of your savings.

  • Ensuring that your assets are transferred efficiently to your heirs involves estate planning. We can work in conjunction with estate planning professionals to help you create or update your will, establish trusts, and minimize estate taxes.

Services

  • Development of a comprehensive financial plan is recommended to maximize your financial freedom, and ensure that all of your money is working hard for you.

    Includes:

    • SMART Goal Setting to achieve financial freedom

    • Comprehensive analysis of your current financial situation

    • Data-driven modeling to optimize financial decisions

    • A comprehensive financial plan with recommendations

  • Once we have worked together to set you on the path towards financial freedom, it is important to check-in regularly to adjust based on major life changes and ensure that everything remains on track.

  • Do you already have your own financial plan, but have a specific question?

    We can provide specific financial advice on an ad-hoc basis, however without full knowledge of your comprehensive financial plan, advice will be limited in scope.

Testimonials

  • Due to recent major life events, I suddenly became responsible for all my financial investments and those of my deceased husband.  Chris asked me several thought provoking questions regarding my short and long term financial goals. Our discussions led him to provide me with personalized strategies to ensure I can meet my financial objectives. Chris demonstrated great patience respectfully answering all my questions.  I am extremely happy with all the recommendations he provided and his sound, well-rounded, and professional advice has been key in making my investments prosper! I encourage everyone to seek out his advice as he is an independent financial advisor who DOES NOT work for a bank. The strategies and options he provided were in line with my needs and my goals. I cannot thank him enough for helping me become more comfortable with my new financial responsibilities. I will continue to reach out to him on an annual basis so that he can help me reassess my financial situation.

    Suzanne C.H.

  • I am pleased to recommend Chris and Fliesser Financial. As a long-time client, my family has experienced the positive impact of his high-quality advice. When faced with the decision of buying a home or continuing to rent, the complexities seemed daunting. Chris provided us with detailed financial modeling and recommendations that allowed us to make a well-informed decision that best suited our family's needs. Chris’ invaluable advice also helped us decide between investing vs. making lump sum payments on our mortgage. What distinguishes Chris is not just his extensive knowledge of personal finance but also his dedication to ensuring his client’s interest are always the priority. I highly recommend his services to anyone looking to navigate the complexities of personal finance with greater ease and confidence.

    Christian H. & Janelle M.

  • My wife and I are ready to retire and in the enviable position of having saved a fair nest egg to enjoy our retirement. With multiple pensions and various savings plans and investment accounts we were facing a complex scenario. We had questions on where to draw income from to optimize our tax bill, and which accounts should hold higher risk longer term investments. We consider ourselves financially savvy but felt that the services of a professional planner would still be beneficial. Chris did not disappoint. He provided us with multiple scenarios showing what would happen if we drew on our RRSPs or our TFSAs and how we should coordinate savings income with the start dates of our pensions. He did not try to sell us investments or products, but simply used the math to show us the various outcomes depending upon which course of action we chose. Speaking with Chris you can immediately tell that he is passionate about the intricacies of financial planning and very knowledgeable in investing and wealth management. You will be extremely satisfied with the advice you receive from Fliesser Financial, even if you believe you already know what you are doing.

    Robert & Nanette F.

About Fliesser Financial

Fliesser Financial was founded by Chris Fliesser PFA, P.Eng., a professional financial advisor with one mission in mind: to provide professional, independent, data-driven financial advice to his clients. With years of experience and a passion for helping others, Chris is dedicated to understanding each client’s unique financial goals and circumstances to help them unlock their financial freedom.

Financial Advisor Ottawa