Financial planning in Toronto tends to cluster downtown in the Bay Street financial district, though you'll find trusted advisors settled into neighbourhoods like North York, Etobicoke, and Scarborough closer to where many families actually live. If a parent is being treated near Toronto General or Sunnybrook, it often helps to choose someone whose office sits along an easy transit line, so appointments fit around care rather than adding another trek across the city.
Toronto has 7 financial planners on Senior Care Path, averaging 4.9 stars across 541 Google reviews. Ranked by our SCP Confidence Score, our 100-point trust rating, the strongest right now are Merrick Financial, Buxton Financial For Retirement and Richardson Wealth Limited.
Financial planners help families understand the cost of care and how to pay for it, drawing on pensions, savings, home equity, insurance, and government benefits to build a sustainable plan.
Below you will find every provider ranked by Confidence Score, real reviews, what these services cost and how to fund them, what to look for, and local guidance, so you can compare with clarity and reach out when you are ready. Updated October 2026.
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Step 1 of 57 financial planners
Toronto, ON53 Coleridge Ave, East York, ON M4C 4H4
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5.0(84 reviews)
In comprehensive financial planning for life transitions, including retirement planning and pre-retirement assessment. They create detailed, values-based...
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Toronto, ONFirst Canadian Place, 100 King St W #5600, Toronto, ON M5X 1C9
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4.9(48 reviews)
Fee-only financial planning focused on retirement income. Marlene Buxton, a Certified Financial Planner with decades of experience, works with...
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Toronto, ON100 Queens Quay E Ste 2500, Toronto, ON M5E 0C7
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4.6(36 reviews)
In Toronto provides investment management, retirement planning, estate planning, and tax strategies designed to help clients protect and enhance their wealth....
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Free, friendly help choosing the right provider for your needs, no obligation.
Toronto, ON25A Morrow Ave Ste 202, Toronto, ON M6R 2H9
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5.0(256 reviews)
“I’ve not always had the best experience dealing with advisors from different financial institutions. Often feeling like my money is all they’re interested in,...”
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Toronto, ON320 Front St W Ste 250, Toronto, ON M5V 3C8
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4.9(86 reviews)
Christine Ibbotson provides personalized financial coaching to help Canadians navigate retirement planning, debt elimination, wealth building, and estate planning. She does not sell...
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Toronto, ON2848 Bloor St W, Etobicoke, ON M8X 1A9
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5.0(13 reviews)
Kurt Rosentreter offers comprehensive financial planning for all life stages, including pre-retirement and post-retirement planning, estate planning, tax consulting, insurance planning, and...
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Toronto, ON25 Wright Ave, Toronto, ON M6R 1K9
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4.9(18 reviews)
She specializes in working with women transitioning into retirement and is known for her non-judgmental approach, patience, and openness to understanding each client's unique situation and...
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Local financial planners from public business listings, scored on public Google signals. Senior Care Path hasn't independently vetted every one, so always confirm credentials, registration, and fit before booking.
We order every provider by our SCP Confidence Score, a 100-point rating built from the signals families tell us matter most:
541
Google reviews
Star ratings and written reviews come straight from Google, so the feedback is from real clients across these 7 financial planners, never written by us.
100-point
SCP Confidence Score
Our own trust rating, recomputed as listings are verified and updated, decides the order above. It answers one question: can you trust this provider?
Google star ratings across 7 financial planners.
How the 7 Toronto financial planners fall across our trust tiers.
Typical cost: Fee-only planners charge for advice (commonly $150 to $300 per hour or a flat plan fee, illustrative); commission-based advisors may have no direct fee. What moves the price: Fee-only versus commission-based advice, whether you want a one-time plan or ongoing management, and how complex your finances are.
A one-time, fee-only plan can be money well spent when weighing home care against a move, or deciding how to use home equity. Ask any advisor how they are compensated before you begin.
A 4.9 star average across 541 Google reviews of 7 financial planners. Here is a sample, straight from clients and families.
“I’ve not always had the best experience dealing with advisors from different financial institutions. Often feeling like my money is all they’re interested in, not my goals. Initial meetings were often the only meetings…no follow ups, no...”
“Working with Christine Ibbotson has been a game-changer. She had the ability to cut through the noise and focus on what truly matters. She offered a clear perspective rooted in my actual goals. She has a talent for helping me set...”
“Chris is great to work with. He looks at all aspects of your situation to provide realistic and actionable advice. This all comes with a professional and personable customer service mindset. We always felt we were in good hands with him....”
“Marlene was so thorough and understanding in scoping out the needs for our financial plan going forward. She covered all the bases and explained and detailed everything. We are very satisfied.”
“An exemplary model of fiduciary discipline and systematic asset management. Over a multi-year period of evaluating wealth preservation structures across the GTA, this office has consistently demonstrated a superior understanding of...”
“As someone that is still a beginner when it comes to financial literacy and financial planning, I found Francine's guidance to be incredibly helpful. I left my sessions with her feeling more confident about navigating my finances and...”
Drawn from the details each provider publishes, a quick read on what is common locally and what sets a provider apart.
Share of the 6 financial planners that publish this detail.
Toronto is a sprawling city, and that size works in your favour when finding a financial planner for an older parent or for yourself. The concentration of planners is highest downtown and in midtown neighbourhoods like Yonge and Eglinton, Forest Hill, and North York, but you'll find qualified practitioners in the inner suburbs, too. If your parent lives near a major hospital corridor, such as around Sunnybrook, Mount Sinai, or St. Michael's, there are often planners nearby who are used to working with clients managing health-related financial decisions, like funding home care or restructuring assets after a diagnosis.
Our strongest advice is to prioritize credentials and senior-specific experience over convenience of location. Look for a Certified Financial Planner (CFP) designation, and ask directly whether the planner regularly works with clients in or approaching retirement. Toronto has a large pool of planners, which means you have real choice, but it also means that generalist planners with no particular focus on older adults are easy to stumble into. Fee-only or fee-for-service planners, who charge for their time rather than earning commissions on products, tend to give advice that's easier to trust on its face. The trade-off is that their upfront cost can feel higher than a commission-based planner, even though the long-term picture is often cleaner.
For families coordinating across a lot of moving parts, a financial planner who communicates well with other professionals matters enormously. In our experience, the best outcomes for Toronto seniors come when the financial planner is willing to work alongside an estate planning lawyer, an elder law specialist, or an insurance adviser. Senior Care Path lists all of those services in Toronto, so you can build that team from one place. If your parent is less mobile, ask about home visits or video appointments. Many Toronto planners have normalized remote meetings since 2020, and a planner who refuses any flexibility on that is a weaker fit for an older client.
Start with a brief introductory call before committing. Ask how many of their current clients are retired or semi-retired, and what their approach is to drawing down registered accounts. A planner who gives you a clear, unhurried answer to that second question is a planner worth staying on the line with.
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