Proudly Ranked Among Canada’s Top 0.4% of Financial Planners
With extensive knowledge and experience, DO FINANCIAL is dedicated to helping you build a secure financial future.

Unlock Your Financial Potential

Read our guide now to discover its immense value and seize the opportunity to maximize your wealth and minimize your taxes.

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Personalized Tax-Saving Strategies in Canada

Our team specializes in developing personalized tax-saving strategies that align with your specific financial goals. We understand the unique challenges faced by high-income earners and business owners in Canada from our head office in Calgary, and our tailored solutions ensure that you maximize your wealth while minimizing your tax liabilities.

"Dave has been very good in helping us sort out my financial and insurance needs. He took confusion and focused us on what was important to our future."

- Russ W., Chartered Professional Accountant

Confidential and Trustworthy Financial Planning in Canada

At DO FINANCIAL, confidentiality and trust are at the core of our services. We provide high-income professionals and business owners in Canada from our head office in Calgary with secure and private financial planning solutions, ensuring that your sensitive financial data is protected at all times while delivering exceptional results.

"I have been very satisfied over the years with your suggestions, advice and expert knowledge of your company services. When we have needed short-term loans the details were handled quickly and accurately and yes you may use my name as reference and may mark us as satisfied clients."

- Brian B., Real Estate Investor

Comprehensive Wealth Management Across Canada

Our comprehensive wealth management services cater to the unique needs of Canadian successful business owners and high-income earners. We offer strategic advice and practical solutions that not only preserve your wealth but also encourage sustainable financial growth, allowing you to focus on what matters most—your business and family.

"My Association with Dave Otto goes back a number of years. Dave is always on top of things, has many valuable suggestions and comments. I feel very comfortable discussing money matters and anything related to my insurance needs with Dave. Dave is always willing to meet with me and discuss any questions or concerns I might have. I have no problems recommending Dave to my friends and family."

- Dolf B., Professional Photograher

Discover the Power of These New Proven Strategies

DO FINANCIAL's knowledge and experience places them among the top 0.4% financial planners in Canada.

Unique to DO FINANCIAL Canada: Unparalleled access to the new Tax-Exempt High Compound Interest Space
Unique to DO FINANCIAL Canada: Manage your household and business financial needs and opportunities autonomously and lucratively - all without relying on traditional banking that contributes to inflation: Infinite Banking Concept®️ (IBC®️) - only from an Authorized IBC Practitioner.
Unique to DO FINANCIAL Canada: Boost Retirement Income: Enhance the efficiency of your retirement savings.
Unique to DO FINANCIAL Canada: The All-In-One Financial Plan

Unique to DO FINANCIAL Canada: Increase Returns: Our expert guidance can amplify your returns by 3% and more annually.
Unique to DO FINANCIAL Canada: Acquire Tax-Exempt Assets Without Limiting Cash Flow
Unique to DO FINANCIAL Canada: World's best risk-adjusted return asset
Unique to DO FINANCIAL Canada: The Perfect Investment
Beat Benchmarks and Lower Fees Consistently*
Preferred creditor protection
Private

*We have done so consistently over 10-year periods, however, we cannot guarantee future results.

Our financial planning services are meticulously crafted for high-income individuals and thriving business owners across Canada's major cities and provinces.

The best financial planning involves rethinking your thinking:

Plan. "If you fail to plan, you plan to fail". - Benjamin Franklin
Think. Check things out for yourself. Evaluate why you believe the things you do. “Two percent of the people think; three percent of the people think they think; and ninety-five percent of the people would rather die than think”― George Bernard Shaw.
If what you believe to be true about money turns out not to be true, when would you like to find out?
"You don't know what you don't know" - Donald Rumsfeld.
Avoid the Arrival Syndrome. The Arrival Syndrome is a mindset that can limit personal growth and achievement. It's the belief that you've reached the pinnacle of knowledge and understanding, and that there's no more room to learn or grow.
Avoid "doing the same thing over and over again and expecting different results" - Albert Einstein.
Traditional financial planning is a "hope" strategy - people need to consider "certainty" strategies
Return to using compound interest. "Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesn't, pays it". - Albert Einstein. While there is nothing wrong with investing in the stock market and real estate, they are not compound interest.
Better understand what your money problems are. "Until people are aware of the money problems they face, they will not look for the solutions." - Nelson Nash
Save first. ``Do not save what is left after spending, but spend what is left after saving.'' - Warren Buffett
Be in control. “You must gain control over your money or the lack of it will forever control you.” - Dave Ramsey. “Never spend your money before you have it.” - Thomas Jefferson.
"The first rule of an investment is don't lose (money). And the second rule of an investment is don't forget the first rule. And that's all the rules there are." - Warren Buffett

Invest in yourself. "An investment in knowledge pays the best interest." - Benjamin Franklin

Don't cut down the apple tree - don't interrupt compound interest.
Don't wait for all the lights to be green before starting. "Best time to plant a tree was 2- years ago. The next best time is today." - Chinese Proverb
How much is the opportunity cost of deferring a decision or not make a decision?
Successful people make quick decisions - they don't over-analyze to the point of convincing themselves not to do it creating opportunity cost lost.
Which are you - a debtor, saver, or wealth accumulator?
Avoid debt. "Rather go to bed without dinner than rise in debt". - Benjamin Franklin
Debt is not the same as Credit. Contact us to learn the difference!
Avoid paying cash. Paying cash is the same as financing - opportunity cost lost.
Why do banks continue to have record earnings? Because of financing outside of household and business.
Avoid doing business with banks. Don't trust governments. Banks and government are not your friends on a rainy day.
If you could become your own banker - be the bank owner and not the bank customer, would you? You can!
Invest in best "risk-adjusted" returns. Many invest in the worst.
Is tax government robbery? Too many pay more tax than they need to due the lack of planning. Tax-exempt is better than tax-infected.
Would you rather pay tax on the seed or on the harvest?
Rich people do the opposite of what the middle class do. If you want what the middle class has - the fear of of money, fear of running out of money, fear of the stock market – then do what they're doing.
Set up your money so you can use in multiple ways - act like a bank!

We are different than 99% financial planners and advisors - we think differently - outside the box. What's the point of using a financial planner that thinks the same as 99% of all financial planners? Or working with financial advisors and planner who only offer traditional financial planning strategies? We offer traditional and non-traditional strategies - including the only way to finance inside your household and business without forfeiting your capital to the banks, how transform your tax-infected capital into tax-exempt, and how to buy assets without impacting cash flow.

We've just shared compelling info that will save you hundreds of thousands of dollars or more in tax, allow you to profit by acting like a bank, multiply your wealth, double or triple your retirement income, and leave a larger legacy to your family. And you're gonna do nothing about it? Let's change that starting today! The best ideas only work if you put them to work. Stop doing the same thing expecting better results. Take the important next step and connect with us now! Let's get started!

Testimonials

I have been very satisfied over the years with your suggestions, advice and expert knowledge of your company services. When we have needed short-term loans the details were handled quickly and accurately and yes you may use my name as reference and may mark us as satisfied clients.

Brian B.- Real Estate Investor

My Association with Dave Otto goes back a number of years. Dave is always on top of things, has many valuable suggestions and comments. I feel very comfortable discussing money matters and anything related to my insurance needs with Dave. Dave is always willing to meet with me and discuss any questions or concerns I might have. I have no problems recommending Dave to my friends and family.

Dolf B. - Photographer

I have dealt with Dave Otto for over 10 years in the areas of group insurance, life insurance, disability insurance and financial planning. I have always found Dave to be very professional and knowledgeable. Dave is very accessible and does not to hesitate to seek third-party advice when required. I truly feel that Dave holds the needs of his clients above his own. I have no hesitation in recommending Dave to others.

Joe L. - Major Construction Company Owner

View All Testimonials

We hold tax-exempt licenses in several provinces, including Ontario, Alberta, British Columbia, Nova Scotia, and the Northwest Territories, and are recognized as Certified Financial Planners®️ with access to portfolio management throughout Canada.

Our expertise lies in developing personalized tax-saving strategies that bolster wealth preservation and financial security. By utilizing our comprehensive knowledge of the Canadian tax system and our dedication to personalized service, we adeptly guide clients through intricate financial challenges.

Our distinct advantage is the provision of not only advice but also practical solutions that result in substantial tax savings and sustained financial growth. With an emphasis on confidentiality and trust, we cultivate enduring relationships that empower our clients to concentrate on their core strengths—expanding their businesses and savoring their achievements.

We empower sophisticated business owners and high-income professionals to develop independent financial strategies, navigating the challenges of unpredictable taxes, inflation, and privacy concerns, among others.

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DO FINANCIAL CANADA is a premier financial planning service based in Calgary, offering comprehensive services across Canada, including major cities such as Edmonton, Red Deer, Lethbridge, Airdrie, Okotoks, Toronto, Kitchener, London, Windsor, Halifax, Vancouver, and Yellowknife.

Proudly Ranked Among Canada’s Top 0.4% of Financial Planners With extensive knowledge and experience, DO FINANCIAL is dedicated to helping you build a secure financial future.