At KSK Financial Planning Advisors, our only concerns are your financial objectives and goals. We have no affiliation with any investment product provider, and the principals in the company adhere to the professional rules of the Canadian Institute of Chartered Accountants and the Financial Planning Standards Council of Canada.

Our plans are fee-for-service based, and are not dependent in any way on commissions or products purchased. As unbiased advisors, we can help you assess a complete range of financial planning strategies and vehicles in order to create an action plan that is right for you.

Our Professional Services cover advice in three general areas...

1. Financial Review, Financial Planning, Financial Positioning

2. Estate and Will Planning, and Wealth Preservation

3. Retirement and Investment Planning

We start by identifying your goals and assessing your current financial situation. Typically, a KSK Financial Planning Advisor meets with you to discuss your general financial situation and needs. We then develop a written proposal which confirms your needs, and defines the services that we can provide you with.

Building your financial plan may involve our expertise in a single area or aspects of all three. The process culminates in a detailed, confidential report with recommendations aimed at helping you achieve your overall financial goals.

Our professional and personalized approach does not end there. An annual review ensures that your plan remains co-ordinated with tax and pension changes, and that your investments are in line with your goals, your time horizon and your risk tolerance. The review also ensures that your changing circumstances are reflected in your plan.

You face a unique set of circumstances, and KSK Financial Planning Advisors helps you build a unique financial plan designed to meet your specific needs.

Heather Spinks

Heather joined the Firm in 1980, primarily specializing in tax-related issues and concentrating on United States taxation services. She is also a Financial Divorce Specialist and Chartered Financial Planner, offering advisory services with respect to matrimonial matters and financial planning.

John Quilty

John joined KSK in 1987 and became a partner in 2006.  He provides accounting, personal and corporate tax services  to individuals and a wide variety of owner managed businesses including those in the real estate and entertainment industry.  John is involved with the North Toronto Hockey Association and North Toronto Soccer Club as a coach and volunteer

Carson Hirner

Carson joined the Firm in 1989 as a student. He became a Certified Financial Planner in 1998 and was appointed Principal in 2000. He specializes in Cross-Border Tax Planning issues, and US Taxes.Carson received his U.S. CPA designation in 2003.