Ecivda Financial Planning Boutique

Ecivda Financial Planning Boutique Ottawa's first choice for business owners, executives and professionals seeking wealth management services.

Financial Planning
Portfolio Management
Risk Mitigation Ottawa's first choice for 37 yrs for business owners, professionals and individuals seeking wealth management and estate planning. Sending our regular investment and financial updates on FB.

We’re excited to announce Rush*t has successfully completed his CFA level 3 and is now a charter holder. Rush*t is a rec...
02/09/2026

We’re excited to announce Rush*t has successfully completed his CFA level 3 and is now a charter holder.

Rush*t is a recent CFA charterholder with a sharp analytical mind and a deep commitment to helping people make confident, well-informed financial decisions. He works on our ECIVDA portfolio and investment team, as well as the financial planning team. His ability to break down complex ideas, spot opportunities, and think strategically makes him a tremendous asset to our clients.

What truly sets Rush*t apart, though, is the balance he brings. Alongside his technical strength and precision, he’s incredibly creative, thoughtful, and engaging—a combination that fits perfectly with our outgoing, people-first culture.

We’re thrilled to have Rush*t on board and look forward to the continued impact he’ll make for our clients and our team.

Time is running out!Secure your future today—make the most of your RRSP before the March 2, 2026 deadline. Act now and t...
02/09/2026

Time is running out!

Secure your future today—make the most of your RRSP before the March 2, 2026 deadline. Act now and turn savings into opportunity! ⏳

02/09/2026

Canadian business owners weigh the decision: sell assets or shares? Discover the pros, cons, and the capital gains exemption that could save you big. Smart financial planning at its finest.

If you’ve ever admired the look, feel, or personality behind many of the interactions with ECIVDA, chances are you’ve fe...
02/07/2026

If you’ve ever admired the look, feel, or personality behind many of the interactions with ECIVDA, chances are you’ve felt Natalie’s touch. Natalie plays a lead role in our in investment administrative operations as well as much of our branding and marketing.

This caricature captures her perfectly — artistic, imaginative, curious, and full of life. From bringing our brand to life visually, to telling stories that actually feel human, Natalie pours creativity and care into everything she does, including much of the artwork she does.

She’s the kind of person who notices the small details, finds beauty in everyday moments, and brings genuine joy to the people around her — whether that’s through art, travel, laughter, or simply showing up with positivity and heart.

We’re incredibly lucky to have her on our team 💛

02/05/2026

Bitcoin is down over -40% in the last 3 months. A year ago many thought they missed an opportunity to get rich or double or triple their investments. Days like today are a great reminder to review if this is the type of investment you enjoy holding. Where is bitcoin going next? Up? down? - Shawn

Plan for care to safeguard your loved ones' future. Research options and financial aid for quality long-term care ❤️. ...
02/05/2026

Plan for care to safeguard your loved ones' future. Research options and financial aid for quality long-term care ❤️.

01/30/2026

ECIVDA portfolio and investment team meeting Q1

01/29/2026

Here's a 'secret' that the investment industry isn't talking about enough.

It's coming for sure [eventually] - but everyone is scrambling on when to talk about this, and how to bring it up with you.

Total Cost Reporting for fees.

Right now - most people in Canada only see the cost of their advisor or the 'cost of the advice' being reported on their statements.

This was done by regulators with the intention to (a) add clarity, and (b) to help lower fees for consumers. This isn't what happened. As investment fees stayed hidden for years, many practices didn't decrease the total cost of fees - they actually increased the cost of the advice side of the fee [sometimes upwards to as much as 1.5%] and decreased the cost of the investment - so that the firm received more of the revenue than the investment company.

More regulations have come out - and the next move is now called 'Total Cost Reporting' and will have a massive impact in Jan 2027. At that time consumers will see both the fee for the advice they are receiving [they currently see this], and also for the cost of the investments [they don't currently see this, but will].

This will be a bit of a shock for anyone dealing with an investment firm that has shied away from these discussions.

Here's an example of someone with a $500,000 investment portfolio.

Currently in a portfolio with investment costs of .6%, and an advisor fee of 1%.

They are currently seeing only $5,000 of fees being reported annually [the advice fee]

Jan 2027 they will see:

Advice fee: $5,000
Investment fee: $3,000
Total: $8,000

If the firm is charging more for the advice fee [which I find to be common - as this piece really ranges] and using more expensive investment solutions - they may even see this [ie ETFs can be extremely low cost, vs segregrated funds which can be very high in cost;

Advice fee at (1.5%): $7,500
Investment fee (at 1.1%): $5,500
Total: $13,000

In exchange for fees - professional service and oversight is expected and needed

- tax efficiency
- portfolio design & management
- education and planning
- risk mitigation through economic cycles
- a deep understanding of your core values, goals, and direction
- corporate and personal tax and estate planning

Hope this video and insight provide some clarity on Total Cost Reporting. Are you aware of these changes, of the work that is being done for you? Are you in the right portfolio, paying appropriate fees for the work being done? Do you have the appropriate portfolio and investment costs?

- Shawn

Lead by example 💡Kids learn by watching us. Show them budgeting, saving, and smart spending in action. Open conversation...
01/29/2026

Lead by example 💡

Kids learn by watching us. Show them budgeting, saving, and smart spending in action. Open conversations about money build their financial confidence for the future!

01/28/2026

Discover the power of long-term compound growth. The earlier you start, the greater the impact. This video explains why it's so important to teach younger staff about this key principle.

01/26/2026

How to handle risky markets. Make sure you have an all weather portfolio.

Markets change frequently. Just like weather - you wouldn’t just expect the snow to never end. Make sure you understand how your portfolio and positions work, and under what conditions do they work most favourably?

Consider;

- dedicating an area of your portfolio to investments that perform in an expanding economy when the news is great and it’s all green lights

- dedicating an area of your portfolio to investments that perform well or produce return when markets are grey, underperforming, or the economy is contracting

- having an area of your portfolio that will function well during rising interest rates or inflation

- ensure to have a section of your portfolio that holds the line and produces for you during lowering interest rates or lowering inflation

- Shawn

Celebrate your raise wisely 🎉A pay raise is a chance to grow your wealth! Invest a portion of your extra income to build...
01/22/2026

Celebrate your raise wisely 🎉

A pay raise is a chance to grow your wealth! Invest a portion of your extra income to build a brighter financial future. Smart moves today lead to financial freedom tomorrow!

Address

200/68 Chamberlain Avenue
Ottawa, ON
K1S1V9

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 8:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

Telephone

+16135910337

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Ottawa's first choice for 37 yrs for business owners, professionals and individuals seeking wealth management and estate planning. Our professional team has over 60 years in combined wealth, estate and financial planning expertise.