Hi, I’m Paul Carvalho, CFA®

Independent financial advisor based in Hamilton, Ontario.  I help families and individuals with investments, life insurance and retirement planning.

Do You Worry About Money?

You’re earning more money than you have before.  You have a house, a good sized RRSP, and some money in a TFSA.

But you wonder why you’re not doing better financially.  With all that you’ve accomplished, you still worry about money and think, “Am I doing this all wrong?”

You’re not alone.  Several recent studies show many Canadians are concerned about their financial situation.

What if you could…

I’m Paul, and I can help

I have over 20 years experience in finance, and hold the Chartered Financial Analyst (CFA) designation.  I work with families across Southern Ontario, along with serving clients in my local community of Hamilton, Ontario.

I’m not like the financial advisor at your bank.

Trust is important.  That’s why I do things differently.

I work with clients on a conflict-free, fiduciary basis.  I’m held to the fiduciary standard, which means I’m professionally required to always put your interests first.

Banks and most other advisors follow a much lower standard.  That means they can sell you something (anything) as long as its “suitable.”

How an independent financial advisor can help:

Create a path forward: Start living the life you want.  I will help you build a plan that puts you on the path to achieving your goals.

Keep you on track: Much of what I do is designed to help you overcome the emotional reflex to do the wrong thing at the wrong time.

Expert advice you can trust: Life is easier when you work with a trusted professional.  I will always give you honest and unbiased advice.