Financial Advisor in Calgary, AB
Ocean 6 is a fee-for-service financial planning firm serving Calgary's incorporated professionals and business owners. We specialize in corporate tax strategy, insurance, and wealth management for Alberta's top earners.
Financial Advisor in Calgary
Finding the right financial advisor in Calgary means finding someone who understands the financial structure of Alberta's economy, incorporated professionals, oil and gas executives, real estate investors, and business owners who have built significant wealth in a province with no provincial income tax but plenty of corporate complexity. The compensation strategies, insurance structures, and estate plans that work in Calgary are different from what a generic advisor in another province might recommend.
Ocean 6 is a fee-for-service financial advisory firm working with Calgary's incorporated professionals and business owners. We specialize in the intersection of corporate tax strategy, insurance planning, investment structure, and estate planning, coordinated into one plan under a flat retainer. Our advisors hold CFP®, CLU®, and CIM® designations and have worked with Alberta's incorporated professionals on the full range of corporate planning strategies available in this province.
Whether you're an engineer in the energy sector, a physician at Foothills Medical Centre, or a business owner scaling in the Beltline, a good financial advisor in Calgary should understand how incorporated structures work in your context, not just your RSP balance. We serve Calgary clients virtually and pride ourselves on being reachable when financial decisions arise, not just at annual review time.
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Financial Planner in Calgary
A financial planner in Calgary working with incorporated professionals takes on a specific kind of complexity: Alberta has no provincial income tax, which changes the dividend versus salary optimization calculation. The energy sector creates irregular income, significant equity stakes, and potential exit events. The province's real estate market adds personal and corporate assets that interact with your overall plan. A financial planner who doesn't account for all of this is leaving value on the table.
Ocean 6's financial planning process for Calgary clients covers compensation optimization, corporate-owned life insurance strategy, RRSP and TFSA integration, passive investment income management inside the corporation, and pre-exit planning for business owners looking toward a future sale. We coordinate with your accountant and lawyer so that every financial decision is made in the context of your complete picture, not in isolation.
The planning work is where we add the most value for most of our Calgary clients. Getting the retained earnings strategy right, structuring insurance to maximize the Capital Dividend Account, and positioning a business for LCGE eligibility can be worth far more than investment alpha. That's the work we're built for.
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Fee-for-Service Financial Advisor in Calgary
Fee-for-service financial advice is rare in Calgary. The city's financial services industry, like the rest of Canada, is dominated by advisors compensated through trailing commissions on mutual funds, embedded fees in insurance products, and referral arrangements with institutions. This is not always clearly disclosed, and many clients in Calgary don't realize that their financial advisor earns more from some recommendations than others.
A fee-for-service financial advisor in Calgary earns nothing from what they recommend. No trailing commissions. No referral fees from insurance companies or mortgage brokers. No back-end loads. You pay a flat fee for advice, and your advisor's only incentive is to give you the best possible advice. For incorporated professionals managing complex financial situations (especially those with significant corporate retained earnings or approaching a business sale) this model is fundamentally different from commission-based advice.
Ocean 6 charges a flat annual retainer for our services. You know exactly what you're paying and what you're receiving in return. When we recommend a strategy (whether a corporate-owned life insurance policy, an estate freeze, or a specific investment vehicle) that recommendation is based solely on what's right for your situation. If you're looking for a fee-for-service financial advisor in Calgary, we'd welcome a conversation about whether we're the right fit.
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Wealth Management in Calgary
Wealth management in Calgary for incorporated professionals and business owners means more than managing a portfolio. Alberta's economic structure (energy exposure, real estate, corporate retained earnings, and the absence of provincial income tax) creates planning opportunities that require a coordinated approach. The salary versus dividend decision, corporate life insurance as a tax-sheltered accumulation vehicle, and the Lifetime Capital Gains Exemption are three of the most impactful wealth levers available to Calgary business owners, and each requires careful planning.
Ocean 6 provides wealth management for Calgary's incorporated professionals and business owners, typically those with $500K or more in personal and corporate assets who want their financial strategy built and managed by a multi-designation team. Our advisors hold CFP®, CLU®, and CIM® credentials, meaning investments, insurance, planning, and tax strategy are all handled in-house under a single retainer.
We work with Calgary clients entirely by video, with the same depth of relationship as an in-person advisory practice. We are headquartered at 300 – 240 East 2nd Avenue in Vancouver, BC, and are licensed across Canada (excluding Quebec). If you're looking for wealth management in Calgary that goes beyond a portfolio statement, we'd like to start a conversation.
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