Individuals

Whether you’re just entering the workforce, navigating a career change, or starting to build wealth, managing your finances can feel overwhelming. You might have multiple priorities like paying off debt, saving for a home, or investing for the future - but no clear strategy to bring it all together.

At Green Helix Financial, we help individuals take control of their financial lives with advice that’s practical, personalized, and built for real life.

🧩 Example Scenario: Just Starting Out, But Ready to Plan

A recent university graduate in their late 20s working full-time in their field, earning a salary with benefits, and contributing to a Defined Contribution Pension Plan (DCPP) through their employer. They’ve started saving, but they’re unsure whether to keep renting or try to buy a home. They also have student loan debt remaining.

Here’s how a fiduciary advisor can help:

• Clarify Priorities: Help weigh the pros and cons of renting vs. buying based on their income, savings, and lifestyle goals.

• Create a Savings Plan: Establish a system for building an emergency fund, saving for a down payment, and tackling debt at the same time.

• Optimize Account Contributions: Decide how much to put into their DCPP, RRSP, and TFSA accounts and in what order.

• Build an Investment Strategy: Align their growing portfolio with their timeline and risk comfort, using diversified, low-cost investment products.

• Review Insurance Needs: Recommend affordable term life or disability insurance to protect against income disruption.

• Model Long-Term Impact: Use financial projections to show how early decisions around housing, saving, and investing can impact wealth decades from now. 

With a clear financial roadmap, they can approach their next milestones including home ownership, marriage, travel, or continued education with greater clarity and confidence.