Services we offer

Discover the art of securing your financial future with our bespoke planning services, designed for those who value precision and exclusivity. We provide unparalleled guidance tailored to your unique aspirations, ensuring your goals are met with utmost diligence and care.

A carefully tailored, comprehensive plan using the latest tools designed to provide your desired outcome, regardless of any circumstances that may arise. You will also know the outcome if you choose to do nothing, and a third one that’s optimized with the highest projected success rate.
And your choice of a one-time engagement including 4 months of implementation support, or preferably, an ongoing one which includes on-demand advice and annual projection updates for a reasonable fee.
Customized solutions in the event you live too long, die too soon, or get sick or hurt along the way.
Recommendations include non-cancellable disability insurance, critical illness insurance that cover 26+ illnesses, customizable term life insurance starting from 5 years, and investment-grade, permanent life insurance to have your cake and eat it too.
Now offering a new private health and global treatment program (Crimson Care Plan+) for busy professionals that want the absolute best health care experience.
Access to world-class asset managers with a wide range of investment alternatives.
All-in fees for recommended portfolios are competitively priced.
At certain asset levels, you may receive enhanced services that compliment your lifestyle.
You really get more and pay less here.

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Frequently Asked Questions (FAQs)

Yes, Crimson Financial is totally independent, and has access to many of the major insurance carriers and investment managers. However, we only partner with a select few to provide the best outcomes for our valued clients.
We prioritize a planning-first comprehensive wealth management approach to effectively help clients achieve their unique financial goals.
It all starts with careful analysis of cash flow and risk management needs, and providing the proper solutions to optimize them.
Then we leverage the latest advancements in financial science, where we recommend low-cost, globally diversified, daily rebalanced portfolios tailored to your beliefs, individual risk tolerance and long-term objectives. This strategy is designed to ensure sustainable cash flow to live your best life if you live too long.
Lastly, we provide tax-efficient wealth transfer strategies aimed at maximizing the value of your legacy for the next generation.
Under Canadian common law, the highest standard of care is what’s known as a fiduciary obligation.
It’s an obligation to put the best interests of another person, the beneficiary, ahead of any other consideration.
Just like a doctor and patient, or lawyer and client.
However, unlike those two professions, this only exists for discretionary portfolio managers in the financial industry. The rest follow what is called a best interest standard.
And this is why Herman took the pledge and joined the Financial Planning Association of Canada (FPAC). He pledges to act as a fiduciary in all dealings with clients and always putting their needs first.
We have the privilege of working with clients in Ontario, British Columbia and Nova Scotia.
We provide the most value to established medical professionals (doctors, physicians, specialists with MPCs), and real estate investors (with or without corporations) with families and who love them dearly.
We also believe our network is your network, and our mission is to partner with your team of professionals (tax, mortgage, real estate, home & auto, etc) or recommend you work with ours.
Most importantly, we want to create lifelong, fulfilling relationships with our clients.
A real financial plan is a document made just for you based on your current situation and goals. It points out problems and concerns and gives clear recommendations with steps to follow.
Common situations include balancing family travel and children’s education, while reaching financial freedom earlier without limiting your lifestyle, protecting your lifestyle in the event of a major illness/injury, redesigning your future post-separation, deciding to keep/sell/buy more rental properties, or passing assets to loved ones in the most tax-efficient way.
Yes, we offer one-time advice-only financial planning for a competitive flat fee. The offering includes cash flow analysis, insurance review, investment management analysis, retirement planning, estate planning, and charitable planning.
We believe a well-designed plan is only as good as its execution so 4 months of implementation support is included as well. And hopefully by then, earned your trust to fill your insurance gaps and manage your assets.
Financial planning is not an event, but a journey, and one that is much better with a trusted guide by your side.
The term ‘Investable Assets’ includes all liquid and near-liquid assets, including brokerage accounts, RRSPs, TFSAs, corporate open accounts, trusts, etc.
It does not include the value of your home, properties, equity in a business, etc. They represent assets we can invest in on your behalf.
Our household minimum amount is $100,000, but we aim to work with clients who appreciate our philosophy and processes.
We take great pride in offering highly personalized financial solutions that carefully balance both protection and growth.
By leveraging proven strategies alongside advanced Canadian-built fintech, we deliver tailored approaches designed to meet your unique needs.
We also prefer to partner with your existing team, or work with some of ours for the best results.
Additionally, we provide valuable perks aimed at ensuring your complete satisfaction both immediately, and well into the long term.
The program is designed for professionals up to age 74 (and their spouse, and children) who really care about their health and their families.
There is no termination age, so long as the policy is renewed and insured is eligible.
There are no health questions in order to qualify for membership as well.
The private medical care benefit has restrictions related to pre-existing conditions. Please contact us for more information.

There are no restrictions relating to pre-existing conditions for the annual executive medical assessment, the CT/MRI access, and Teladoc Medical Experts portion of the program.
We offer single, couple and family packages.
It’s a flat monthly premium (plus applicable taxes) for the program.
If you have a corporation, the premiums are tax-deductible.
Please contact us for the latest pricing.

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Book a free hour-long consultation today

Embark on your journey to financial excellence by securing a consultation with our lead financial planner. Learn more about Crimson Financial’s unique process, and offering. Insights into industry norms will be explained as well.