You Don’t Need a Big Portfolio to Get Real Wealth Advice
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. You deserve real advice that fits your real life, right now.
Why So Many Feel Shut Out
The old model of money management kept people at arm’s length. Unless you had hundreds of thousands ready to invest, you’d be handed a generic portfolio and sent on your way.
Meanwhile, the staff behind the desk changes every year. You never feel like you have a partner who knows your story from start to finish. And you end up paying for things you don’t even see, monthly bank fees, commissions, and surprise charges hidden in fine print.
That’s not real financial care.
Nav and Jade: Who’s Really Ready to Build Wealth?
Nav works in tech and earns over two hundred thousand dollars a year. On paper, he looks successful. But with a big mortgage, old debt, and high spending, he only had about ten thousand in savings when he came to us.
Every year, his bank told him to sign the same forms and add more to his RRSP, but no one ever helped him see the bigger picture.
Jade is a freelance designer earning about seventy thousand a year. She lives simply, avoids debt, and has about sixty-five thousand spread across her TFSA and RRSP. She knew what she wanted, but her bank treated her like a number, pushing the same one-size-fits-all funds.
In reality, Jade was in a better position than Nav to build real wealth. She had discipline, a clear vision, and money working for her. When they both came to Open Concept, they each left with a plan that fit their life, and a partner who sticks with them.
Neither paid us a cent.
Why You Don’t Pay Us
Most financial advisors charge you one to two percent of your investments every year. With a five-hundred-thousand-dollar portfolio, that’s $5,000 to $10,000 gone, every year, whether you make money or not.
At Open Concept, you can expect to access our services for free. Instead, our partner financial institutions pay.
We specialize in coaching you to understand your options and ask the right questions, so you make better decisions. Banks, investment firms, and insurance carriers trust us because our clients are clear about what they want and won’t settle for less than the best option.
And because we work with many of Canada’s leading institutions at once, we have the leverage to secure the best rates, the best options, and the best service for you.
How Much Is “Enough”?
Here’s the honest answer: you don’t need a huge portfolio to make our service accessible. Our clients often start with $20,000 to $500,000 in savings or investments. Some have more, some have less.
The point is, they want their money to feel organized and intentional.
One Trusted Partner, For Real Life
When you work with Open Concept, you get the freedom of a coach, someone who sticks with you through life’s big decisions. Marriage. Buying your first place. Starting a business. Planning for the kids. It all connects back to how you use your money.
And you only ever deal with one trusted person. No more re-explaining your story every time someone new sits in that chair.
You Deserve Good Advice
At Open Concept, we’re here to tell you that good financial advice is not just for people with millions. It is for people who have a genuine desire to learn how to make their money work better.
Whether you are saving your first ten thousand or managing a larger portfolio, you deserve to feel supported. You deserve a plan that makes sense. And you deserve a partner who helps you follow through.
If you’ve ever wondered if you’re ready for a dedicated wealth consultant, you probably are.
Download 8 smart questions to ask during your first meeting to help you choose the right partner for your project. Email us to get started.