Debt Management
Take Control of Your Debt and Build Room to Save
Debt affects how much you can save, how protected your family is, and how much stress you carry. We help you build a clear plan to pay it down.
- Licensed in Canada
- Free, no-obligation advice
- English & Farsi
Our approach
Debt Management at a Glance
01
See everything
We list every debt, its rate, and its monthly cost.
02
Prioritize
Tackle the most expensive debt first.
03
Protect
Make sure your debts would not fall on your family.
04
Restart saving
Redirect freed-up cash flow to your goals.
Is this for you?
Who Should Consider It?
If debt is getting in the way of saving, a plan helps.
- Families carrying credit card or line-of-credit balances
- Newcomers building a healthy credit history
- Homeowners who want to pay off their mortgage faster
- Anyone who feels stuck making minimum payments
How it works
Four Simple Steps
- ListWe gather all your debts and their costs.
- PlanWe build a realistic budget and repayment order.
- ProtectWe review insurance on your mortgage and loans.
- GrowWe redirect savings as your debts shrink.
Questions
Frequently Asked Questions
Do you negotiate with my creditors?
No. We provide planning and education. We do not negotiate with creditors or offer consolidation loans.
What if I am in serious difficulty?
A Licensed Insolvency Trustee or a non-profit credit counselling service may be the right next step. We are happy to point you to one.
Should I pay off debt or invest first?
Usually high-interest debt comes first, but keeping a small emergency fund and using employer matching can also make sense. We look at your numbers.
Talk to an advisor
Meet Our Licensed Advisors
Choose the advisor who fits you best, view their profile, and book a free consultation directly in their calendar.
Sina Kia
Founder & Licensed Advisor
Not Sure Where to Start?
Book a free, no-obligation consultation. We will listen, answer your questions, and explain your options in plain language.
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We provide financial planning and education only. This page is for general information and is not personalized advice. Disclosure