Provident Wealth Financial is an independent financial advisor based in Hamilton, Ontario. We help individuals and families with investing, life insurance and wealth planning.

Want an alternative to the big banks?

Most of us deal with a big bank.  But the banks are always trying to sell us something, like a new credit card, overdraft protection, TFSA etc.

The banks have a lot of great people working for them.  But their incentive is always the same:  sell more products to increase profits.

Why we’re different

Our independence is important.  It allows us to focus on what matters most: you.  We don’t have pushy sales people. We don’t have aggressive quotas.  

Instead, we put our clients first to give them the best possible financial advice.  (As it turns out, this formula is good for business, too.)  We have three main differences:


We are free to shop a variety of companies to offer you the best solution.  Most banks and other providers can only offer products from their company.


We are fiduciaries, which means we pledge to always put you first. Unfortunately, most advisors in the industry adopt a much lower standard of care.


We are a full service advisor. By coordinating your investments, life insurance and taxes, we often find opportunities that others miss.

Meet Paul Carvalho

Provident Wealth Financial is owned and operated by Paul Carvalho, a financial advisor with over 20 years experience in finance.   Paul has a Masters Degree in Business Economics and has earned the Chartered Financial Analysis (CFA) designation.

Most importantly, Paul is a proud family man who lives with his wife and daughter in Hamilton, Ontario.

paul carvalho -provident wealth - 250 x 314

Do you have a question?  Feel free to reach out:

What We Offer

We work with many of the top investment firms in Canada. Once we understand your personal and financial objectives, we choose the most suitable money manager to implement your investment plan.

Life Insurance
Get the coverage you need to protect your loved ones. We have access to virtually every life and health insurance company in Canada, so you can be sure you’re getting the best product for the lowest price.

Wealth Planning
Wealth management is more than investments. We look at all the moving parts of your financial life to find synergies and save you money. It’s a big picture approach that provides tremendous value.

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