Derek Talks Money | Personal Finance Coaching Toronto

Who This Is For

If you're earning decent money but have nothing to show for it — this is for you.

Maybe you're not sure where your money is going, you've been putting off investing, or you just want someone to finally explain how a TFSA, RRSP, or the right credit card strategy could actually change your financial picture. I work with everyday people who are done guessing and ready to have a real conversation about their money.

What We Cover

Everything your bank never explained

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Budgeting & Cash Flow

Build a realistic budget that works for your lifestyle — not someone else's.

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Credit Card Optimization

Maximize rewards and minimize interest so your spending works harder for you.

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Investing Basics

Understand the fundamentals of building wealth without the intimidating jargon.

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Emergency Fund & Savings

Create a safety net and learn exactly where to put your money for maximum impact.

The Process

How It Works

Book a Free Intro Call

Schedule a 30-minute call to talk through your financial goals and see if we're a good fit.

We Build Your Plan Together

In your 60-minute session we'll create a personalized financial plan tailored to your real situation.

You Leave with Clarity

Walk away with a clear action plan and the confidence to take control of your finances.

About Derek

Real talk about money, from someone who lives it.

I'm a Toronto-based personal finance coach who's spent years studying and applying the principles of budgeting, investing, and financial planning in my own life.

I'm not here to sell you products or manage your money — I'm here to help you understand it and take control of it. No jargon, no judgment, just honest conversation.

Toronto, Ontario

FAQ

Frequently Asked Questions

Absolutely not. I work with people at all income levels. Whether you're earning $40,000 or $400,000 a year, the principles of good financial management are the same. What matters is that you're ready to be intentional about your money. In fact, if you're earning a modest income, getting strategic about budgeting and savings can have an even bigger impact. And if you're earning well but not seeing results, that's exactly what I help with — making sure your income translates into actual wealth building.

Not quite. A financial advisor typically manages your investments and earns commissions on products they sell. I'm not here to sell you anything or manage your money for you. What I do is teach you and coach you. I help you understand your financial situation, build a plan that actually works for your life, and give you the knowledge and confidence to make decisions yourself. Think of it as financial education and strategy combined — I'm here to help you take control, not to take control for you.

The free intro call is a 30-minute conversation where we get to know each other and see if we're a good fit. I'll ask you about your high-level financial situation — your income, major expenses, any debt, and what's keeping you up at night about money. I'll listen more than I talk, and by the end of the call, you'll have a clear sense of whether working together makes sense. No pressure, no sales pitch — just a real conversation about your money.

Payment is simple — I accept e-transfer. After we book your 60-minute session, I'll send you my e-transfer details. You can send payment before or after our call, whatever works best for you.

Let's Talk About Your Money