Many Canadians believe they need to hit a certain number before they can get trusted financial help. They worry they don’t have enough yet, so they wait. All the while, hidden fees keep draining what they do have, and the bank treats them like a transaction instead of a person. At Open Concept, we believe wealth coaching should feel like an open door. You don’t have to cross some secret threshold to be taken seriously.

Most people assume that building wealth comes down to a simple equation to earn more than you spend. But even with clear goals and good intentions, many still struggle to follow through. The reason often lies deeper than budgeting or income. It's tied to your financial personality, the patterns, beliefs, and emotional triggers that shape how you handle money. These patterns affect how you view risk, security, freedom, and control, guiding every financial decision you make, often subconsciously.

In times of market volatility, it’s natural to worry about your wealth. Segregated funds offer a way to grow investments while preserving peace of mind. These insurance-backed vehicles combine the potential of mutual funds with protections designed to safeguard outcomes, especially for retirement and legacy planning.

Many small business owners look profitable on paper—but still feel stuck. This post explores why traditional budgeting often misses the mark, how misaligned spending habits drain momentum, and what it takes to build a business that actually supports your life.

You’re already making financial decisions that shape your future.
But if your plan isn’t built around what actually matters to you, it won’t hold up when life shifts.
Here’s how to spot the risks you didn’t know you were taking—and what to do next to feel more in control.

Your financial plan should reflect your personal values.
Use our guiding questions to get started today.