Protect & Grow Your Wealth. 

Financial Advisor in Toronto

Investments | Insurance | Retirement Planning

Do You Know Where You Stand? Start Planning Today.

As a Toronto Financial Advisor we help you reach your financial goals and free up your time to focus on your family and what you love most.

Financial planner Toronto

Fee-for-service financial advisor

We serve a wide range of clients.

From those starting out & needing guidance, to owner-managers & executives or families with multi-planning needs, our clients have similar values and come to us seeking partnership to organize what they're currently doing.

Our Client Services

Perfect Planning is better than Perfect Products.

Financial Advisor Toronto

Financial Advice In A Nutshell

  • Protect Your Income - You're more likely to get a major illness or disability than die before retirement.
  • Grow Your Income - Protect your savings and income from inflation so you have purchasing power to fund your retirement.
  • Shelter Your Income - Your asset location (e.g. RRSP) and allocation (e.g. interest, dividends) have a great impact on taxes you will pay.
  • Guarantee Your Income - Use a portion of your nest-egg to create guaranteed income for life like a pension to cover basic expenses.
  • Distribute Your Income - Your income triggered by your death will need to be distributed properly through a Will to avoid probate & related taxes.

Protect Your Income. Grow Your Income. Replace Your Income.

Financial advice comes down to your income. Protecting it against a disability or death before retirement. Growing your income during your working years with a good investment strategy so as to replace your income or salary when you retire. Lastly, covering your basic expenses with some form of guaranteed lifetime income during retirement.

As a financial advisor in Toronto most of what we do is help you organize what you're currently doing so that you feel secure and confident today and in the future. We will never undo any good work you've done up to this point. There are many financial products, none of them perfect. Our job is to help organize it for you so that your income matches whatever life situation you're in.

Working With A Financial Advisor

Fee-based financial advisor Toronto

Financial advice is only as good as the person you ask.

  • Independent unbiased financial advice.
  • Conversation to determine fit rather than account minimums.
  • One-page financial plan so you're not overwhelmed.
  • Access to low-cost discretionary portfolio management.
  • Professional financial advisor for your long term serious money.

Independent Toronto Financial Advisor Providing You Choices.

When you work with it starts with your most urgent financial objective. Then your personal preference, whether you're hands on or hands off, and how much communication you require.

All that will determine the fee structure and types of investments and insurance solutions we recommend to you. Ultimately, your main objective is to see enough progress with your plan and ensure you cover off any gaps or vulnerabilities.

Welcome to Blue Alpha Wealth

Welcome to Blue Alpha Wealth, I'm Carter Njovana, independent financial advisor and partner in helping you gain control and security over your investments, insurance and financial planning. You'll find that having a discussion about how to simplify your situation helps to alleviate the anxiety that comes with financial planning. I don't promise a silver bullet but promise to help make an improvement on your current situation. Get a feel for me if it's worth your while?

Not sure where to get started?

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Retirement Income Options
Help With My Investment Portfolio
Portfolio Management
Need A Financial Plan
Long Term Care
Consolidate My Investment Accounts

A Financial Advisor So You Retire With Confidence

Working with a financial planner like Blue Alpha Wealth is about empowering and enabling you to make smarter decisions about your future plans and investments as well as growing and protecting your nest-egg over time. Our priority as a financial advisor is to help you gain security and control over your finances. Working with us is also designed to reduce your anxiety and the amount of time you spend trying to figure out what, where and how given the information overload in financial news and commentary. We equip you with the knowledge and tools to feel confident that you will retire on your own terms. This is why working with a financial advisor is always a good bet!

Financial Advisor Services

investment Analysis

Where is your money invested? Cash, fixed income, equities, Canada? Do you have a specific investment plan you understand? Do you feel it can be adjusted to better align with your goals? Are you paying attention to the amount of risk you're taking based on your time horizon and investment goals? We'll give you an objective view of what you are currently doing and briefly tell you our philosophy and how it can benefit you

Disability Insurance

How long can you go without your income or paycheque? How will it affect your lifestyle and your ability to plan for the future, let alone invest? Disability income insurance is insurance for your ability to earn an income in the event you can't work if you're sick or get injured. Get disability insurance for your specific occupation and the type of activities you perform in that occupation. 

Financial Planning

Why are you investing and why do you feel professional advice can help you? Have you attached specific goals to your money and how important is it that you reach these goals? This helps us understand what you're planning for and what steps best suit your situation and risk profile.

Portfolio Management

Are you curious about the fees you're paying or perhaps more aware given the media attention? Do you like the idea of portfolio management from experienced money managers that gives you access to different types of investment options typically used by institutions and pension funds? We can help you with this and show you the benefit of discretionary portfolio management.

Retirement Planning

Have you made yourself prepare for the fact that your retirement could last 20 to 30 years after you receive your last paycheque? It probably hard to consider that if retirement is a few years away but if its 5 to 10 years away it may be top of mind. Either way, the best way to secure a worry-free retirement is to set yourself up with some form of lifetime guaranteed income to cover your basic fixed expenses in retirement. This makes or breaks your retirement as worry about outliving your savings is the number one anxiety people have once they retire. We can project for you when you are likely to achieve financial independence given your savings and spending, and we adjust to get you to that retirement number only you know will remove anxiety.

Tax Planning

Accumulation of your nest-egg and investing are usually the fun and easy part when it comes to building portfolios and attaching those to a particular financial goal. However, taxes, if ignored, can easily derail your plans or at least erode away at the progress you make if not planned properly.  We maximize opportunities and tax savings tools by looking for ways to optimize your financial plan to minimize income taxes. 

Group Retirement Plans

We offer group retirement plans with a capped management fee allowing more of your employees money to stay invested while investing in one of the worlds largest asset managers. It also allows administrators to manage the plan digitally and with less paperwork and hassle. We have partnered with Nest Wealth at Work to offer Canada’s best Group RRSP Platform.  This fully digital platform is 100% free for employers, and it means no more paper work, a simplified on boarding process, and access to professional financial advice from Blue Alpha Wealth.

Financial Advisor near Toronto Rogers Centre

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Blue Alpha Wealth