Our financial planner
Alex Hadjisophocleous
CFP, CFA, MBA
Founder and Lead Planner, Forest Financial Planning Inc.
Fee-only and advice-only, Ottawa and across Canada
Talk to a financial planner
This message is sent directly to Alex Hadjisophocleous at Forest Financial Planning, and he replies to you. Nour & Daniels Tax receives a copy only. No cost, and no obligation to go further.
About Forest Financial Planning
Forest Financial Planning does not manage money and does not sell products. Their only revenue is the hours they spend on your plan, quoted firmly before any work begins. That is unusual, and it is the reason we are comfortable sending our own clients there: the advice arrives with no commission attached and no product hiding behind it.
The work covers retirement projections, investment strategy for self-directed accounts, cash flow and savings planning, and pre-retirement reviews, with no minimum net worth or income to get started. Meetings happen in Ottawa or virtually.
Ottawa, Ontario K1P 5N5
Use the form at the top of this page and your message goes straight to Alex Hadjisophocleous, not to us. He replies to you directly. We only receive a copy, so that we know to coordinate your tax work with whatever the two of you decide. If you would rather we made the introduction ourselves, call us on (613) 914-9708.
Why we bothered
A financial plan written without the tax answer is a plan that quietly costs more than it needs to.
Most people end up carrying messages between their accountant and whoever is advising them on their money. It is a bad job to give a client, and things get lost in it. We would rather the two sides simply talk to each other.
Where the two jobs meet
The decisions that need both of us
01 — Planning
Almost every planning choice has a tax consequence
Which account to contribute to, when to realize a gain, which pool to draw from first in retirement, how to pay yourself out of a corporation. These are planning questions with tax answers, and getting one of the two wrong is expensive.
02 — Filing
Your return is where the plan gets scored
A plan is a forecast until a return proves it. We see the real numbers every year, so we can tell a planner what actually happened rather than what was projected, and the plan gets corrected while it still matters.
03 — You
One conversation instead of two
You stop being the messenger. When a question sits on the line between tax and planning, the two of us work it out and come back to you with one answer instead of two halves that do not quite fit together.
How it works
Three steps, and no obligation at any of them
1
You tell us you are interested
Use the form below, or email Alex Hadjisophocleous directly. Either way nothing is committed and nobody is added to a list.
2
You have a conversation
Forest Financial Planning will get in touch to understand your situation. If there is work to do, you get a firm quote for it before anything starts.
3
Your tax work stays with us
Nothing about your returns changes. The two sides coordinate where it helps you, and stay out of each other's way where it does not.
Before you ask
The three questions everyone has
Do I have to use them?
No. This is an introduction, not a condition of anything. Plenty of our clients already have someone, or do not need a planner at all, and that is completely fine. Your tax work with us is unaffected either way.
What does it cost?
Forest Financial Planning charges for the time they spend on your plan and quotes that amount before they begin, so you know the number in advance. It is their fee and their engagement, separate from anything you pay us.
Will they try to sell me something?
They have nothing to sell. Fee-only and advice-only means they do not manage your money and do not earn commission on products, which is the reason we are willing to put our name next to theirs.
Forest Financial Planning Inc. is a separate and independent firm. Nour & Daniels Tax does not provide investment, insurance or financial planning advice, and nothing on this page is a recommendation about your own circumstances. Any engagement you enter into with Forest Financial Planning Inc. is between you and them.