charandukfinancial.com | Daryl Charanduk is an independent financial planner serving investors in the Oakville, Ontario area.

Your Retirement

Retirement comes with many possibilities. We help you make the most of every opportunity.

Established Family

Families with older children need a wise cash flow management plan..

Your Investments

Wise asset allocation and careful investment selection are key to a well-balanced portfolio.

Protecting Your Family

No financial strategy is complete without a plan to protect loved ones from financial loss.

Your Legacy

A detailed estate plan creates a legacy that can benefit your heirs in many ways.

Young Family

A wise financial strategy keeps a family on track during all the "growing-up" years.

Retiree

Careful planning can help to ensure a high income level during retirement.

Starting Out

A good financial strategy is a great foundation for a solid relationship.

Your Child's Education

Few things in life are more rewarding than helping the next generation get a great education.

Single

When life situations change a good financial strategy can help to lower the stress.

Income Tax Planning

Minimizing taxes through carefully planning is a powerful financial strategy.

Running a Business

Running a successful business can be one of life's most rewarding experiences.

What is important about Money to you?

We want to learn what that simple question means to you. Everyone has a different idea of what Money means to you. I want to first talk about you

As a Certified Financial Planner (CFP), I believe your retirement comes down to a lot more than just the returns on a portfolio; it means understanding your vision for the future, understanding the kind of retirement you are looking to have, and the things you want to do as you work less. It’s about creating a roadmap that provides a fixed series of checkpoints to make sure timing and decision making aren’t just afterthoughts.

It’s about building solid, realistic plans that lay a foundation for the strategies and decisions that will flow from them. It’s about having a dedicated person to manage your investment portfolios; someone who’s part of the team, who has a track record, who knows you and your family and who you can talk to when you have questions.

It’s about being transparent: no hidden agenda, no hidden fees. It’s about having a process that works and the discipline to stick to it. It’s the experience, the skills and the knowledge to be able to consistently deliver the best advice.

It comes down to people; we like our clients, we care about them and we use everything we’ve got to make sure they reach their goals and that they stay on track.

How We help

Protecting Your Family

Without barely a moment’s thought, you would protect your family from…

Your Legacy

You have worked all your life and saved for retirement. What other planning work…

Your Retirement

After years of living the “rat race”, you are looking forward to the day when you…

Young Family

You get home from work, your spouse is tired, and the baby just spilled spaghetti…

Retiree

During the last market downturn a few years ago, retirees who had all their…

Your Child’s Education

First you were putting on their diapers. Then you walked them to their kindergarten…

New Years Financial Resolutions

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January 6, 2025

More Overlooked RRSP Tricks

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January 6, 2025

The Retirement Dilemma: Part 1

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January 6, 2025

In the mid – 1960s conventional wisdom (or motherhood) for retirement planning said that you should take all of your investments and put them into government bonds or fixed income type products. The thinking was that you could not afford to take any ‘risk’ in your retirement years.