Independent, advice-first financial planning for Canadians who take their future seriously. Fiduciary guidance — no conflicts, no compromises.
From first home to full retirement, we provide the kind of integrated, strategic advice that puts your interests first — always.
RRSP, TFSA, and RRIF optimization. CPP/OAS timing strategies. Creating a sustainable, tax-efficient income stream for the decades ahead.
Capital gains planning, spousal salary structures, Smith Manoeuvre analysis, and proactive CRA-compliant strategies to reduce your tax burden year over year.
Portfolio construction aligned to your risk tolerance, time horizon, and goals — with full transparency on fees and no hidden conflicts of interest.
Will coordination, beneficiary review, and wealth transfer strategies to ensure your assets flow to the right people in the right way.
Rental property optimization, mortgage restructuring, and financing strategies — including Smith Manoeuvre implementation for eligible clients.
RESP maximization, CESG strategies, and holistic family financial planning that protects your household at every life stage.
As a licensed Life Insurance advisor, Keith helps families protect what matters most. From term and permanent life insurance to critical illness and disability coverage, we ensure your family is protected at every stage of life.
We operate on a straightforward, asset-based fee structure tied to your Assets under Management. In any instance where a client fee deviates from the standard schedule, we will fully disclose the circumstances and reasons for that deviation — because transparency is at the core of everything we do.
| Assets under Management | Annual Fee |
|---|---|
| Under $250,000 | 1.50% |
| $250,001 – $499,999 | 1.35% |
| $500,000 – $999,999 | 1.25% |
| $1,000,000 and above | 1.00% |
Clients on a Fee Based Agreement have access to a comprehensive suite of services well beyond standard investment management — including borrowing strategy guidance, referrals to professional partners, household budget planning, banking reviews, tax planning, insurance needs analysis, estate planning, and unlimited phone, virtual, and in-person meetings, inlcuding advisor access via email and text.
A focused, dedicated team means you always know who you’re talking to — and they always know your file.
Keith has been in the financial planning industry since 2007, building deep expertise in tax strategy, retirement income planning, and real estate-integrated wealth management. As a CFP® and PFP, he provides personalized, broad-based financial planning designed to create a worry-free experience — whether you’re a professional, business owner, or approaching retirement.
Working with Keith means working with someone who takes the time to make sure you understand your options at every important stage of your financial life. You, your family, and the continued success of your business are at the centre of everything he does.
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Carolyn brings an extensive background in financial planning to the practice — having been in the industry even longer than Keith, she is a seasoned professional in her own right. Together, Keith and Carolyn bring over 40 years of combined experience to every client relationship.
As Executive Assistant, Carolyn ensures every client interaction runs smoothly — from coordinating appointments and onboarding new clients to managing communications and day-to-day operations. She is often your first point of contact and takes pride in making every interaction seamless and professional.
→As the size and complexity of your investment portfolio increases, so does the amount of time and expertise required to manage it. To meet your evolving needs, we provide personalized expertise and broad financial planning designed to create a worry-free experience — whether you’re a professional, business owner, or approaching retirement.
Our practice specializes in working with professionals and retirees who have complex portfolios, require pension planning, and insight into the efficient legacy transfer of their wealth. Working with Barker Planning & Wealth Management means working with a dedicated advisory team, in collaboration with professional experts across the planning spectrum.
Benefit from our combined 40+ years of experience in Financial Planning and Services, and let us show you the value of working with a dedicated team. Your hard work and dedication have brought you here — let us do the same for you.
When it was time to retire I reached out to Keith and asked questions about stuff I didn’t really know a lot about. Keith was able to answer all my questions and took the time to make sure I understood. The best decision I ever made was choosing Keith to look after my family and I.
I think the best investment I made was having you as my financial planner. Thank you so much for all you do.
When it came down to retirement I had many questions and was really nervous. You and Carolyn really put my mind at ease and made the transition a pleasant one. Thank you.
Why do some retirees choose to begin government benefits early, some at 65, and others wait until 70? The timing decision involves coordinating government benefits with retirement income from registered and non-registered sources — and the tax implications can be significant.
Canada has no estate tax, but your estate assets are still subject to income and capital gains tax. Learn strategies like spousal rollovers and gifting to reduce your estate’s tax burden.
Many people discover the responsibilities are far more numerous than expected. From filing tax returns to applying for probate — here’s what’s involved in administering an estate.
Adjust the sliders to model your scenario. See how contributions, time, and rate of return build long-term wealth.
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For illustrative purposes only. Assumes a fixed annual rate of return compounded monthly. Does not account for taxes, inflation, fees, contribution limits, or changes in personal circumstances. Speak with Keith to build a plan tailored to your situation.
Most clients start with a no-obligation introductory call. No pressure, no pitch — just a conversation to see if we’re a good fit.
CI Assante Wealth Management Ltd. operates as CI Assante Wealth Management, a fully integrated investment firm offering investment, mutual fund, and exempt-market products and services.
Wealth Planning services may be provided by an accredited advisor of CI Assante Wealth Management or CI Assante Private Client (a division of CI Private Counsel LP) and in some cases, by a non-affiliated third party. Insurance products and services are offered through Assante Estate and Insurance Services Inc.
CI Assante Wealth Management Ltd. is a member of the Canadian Investment Regulatory Organization and Canadian Investor Protection Fund.
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