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Financial Planners in Ottawa, ON: 2026 rankings

93 financial planners ranked by RFA ScoreUpdated 0 paid placements in this rankingHow we rank →

The short answer

  1. 1

    Highest RFA Score in Ottawa: Co-operators - J.A. Associates Financial Services Inc., RFA Score 77/100; 4.9★ from 186 Google reviews.

  2. 40

    Most-reviewed: Scotiabank, 224 Google reviews at 2.6★, the most of 93 ranked; ranked #40.

Rankings can't be bought. Financial advisors can't pay to change their rank or score. How we rank

93 Ottawa financial planners are ranked here by RFA Score, from eight published factors. 20 open Saturdays and 6 open Sundays, based on posted hours. The median Google rating is 4.6★ across 93 rated firms.

Top 10 financial planners in Ottawa at a glance

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Top 10 financial planners in Ottawa at a glance
RankBusinessRFA ScoreGoogle ratingBased inHoursNotable for
1Co-operators - J.A. Associates Financial Services Inc.774.9★ (186)Ottawa—Top score
2McAuley Financial Services755.0★ (104)Ottawa——
3Family First Insurance & Investments725.0★ (59)Ottawa——
4MDL Financial Group - Financial Planner Ottawa, CFP, Insurance Broker724.9★ (56)Ottawa——
5Life Insurance Ottawa715.0★ (44)OttawaSat · Sun · Evenings—
6Retirement in View705.0★ (37)Ottawa——
7Financial Health Partners704.8★ (42)Ottawa——
8🥇 Aspire Wealth Group705.0★ (65)Kanata, 19 km away——
9Currey Insurance and Investments694.6★ (36)Ottawa——
10Co-operators - Andrew Smith Insurance Inc684.2★ (43)Ottawa——

All 93 financial planners in Ottawa, in rank order

Ordered by RFA Score, a 0–100 score from eight published factors. Paid placement never changes the order.

Ranked by RFA Score from public data such as Google reviews, not by investment performance; sponsored listings are paid, shown separately and never change rank.

Scores below: based on 6 of 8 factors; registration and recency not yet collected. Hatched segments mark factors we don't have yet.

  5. #5 Life Insurance Ottawa

    Based in Ottawa

    71/100RFA Score

    Ranked #5 because of its Google rating and specialty focus: 5.0★ from 44 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 44 Google reviews
    Hours
    Mon–Fri 8:30 AM–9:30 PM · Sat–Sun 9 AM–6 PM
    Address
    29 James St, Ottawa, ON K2P 0T4
    View profile for Life Insurance Ottawa(613) 818-0025

  6. #6 Retirement in View

    Based in Ottawa

    70/100RFA Score

    Ranked #6 because of its Google rating and specialty focus: 5.0★ from 37 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 37 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    240 Catherine St Ste 201, Ottawa, ON K2P 2G8
    View profile for Retirement in View(613) 416-9593

  8. #8 🥇 Aspire Wealth Group

    Based in Kanata, 19 km away

    70/100RFA Score

    Ranked #8 because of its Google rating and specialty focus: 5.0★ from 65 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 65 Google reviews
    Hours
    Mon–Thu 8:30 AM–4:30 PM · Fri 8:30 AM–12 PM · Sat–Sun closed
    Address
    160 Terence Matthews Crescent Unit A, Kanata, ON K2M 1X4
    View profile for 🥇 Aspire Wealth Group(613) 254-8484

  11. #11 Bromwich+Smith

    Based in Ottawa

    68/100RFA Score

    Ranked #11 because of its Google rating and specialty focus: 5.0★ from 21 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 21 Google reviews
    Hours
    Mon–Thu 8 AM–8 PM · Fri–Sun 8 AM–5 PM
    Address
    343 Preston St 11th Floor, Ottawa, ON K1S 1N4
    View profile for Bromwich+Smith(855) 884-9243

  14. #14 Gifford Carr

    Based in Kanata, 19 km away

    67/100RFA Score

    Ranked #14 because of its Google rating and specialty focus: 4.4★ from 60 Google reviews, listed on Google as “Financial planner”.

    • 4.4★ from 60 Google reviews
    Hours
    Mon–Fri 8 AM–4:30 PM · Sat–Sun closed
    Address
    100 Terence Matthews Crescent, Kanata, ON K2M 1P7
    View profile for Gifford Carr(613) 596-9101

  15. #15 Henley Solutions Inc.

    Based in Ottawa

    66/100RFA Score

    Ranked #15 because of its Google rating and specialty focus: 4.8★ from 17 Google reviews, listed on Google as “Financial planner”.

    • 4.8★ from 17 Google reviews
    Hours
    Mon–Fri 10 AM–7:30 PM · Sat 10 AM–2 PM · Sun closed
    Address
    29 James St, Ottawa, ON K2P 0T4
    View profile for Henley Solutions Inc.(613) 288-2152

  18. #18 Penta Wealth

    Based in Ottawa

    66/100RFA Score

    Ranked #18 because of its Google rating and specialty focus: 5.0★ from 14 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 14 Google reviews
    Hours
    Mon–Thu 8:30 AM–5 PM · Fri 8:30 AM–4 PM · Sat–Sun closed
    Address
    1285 Teron Rd #203, Ottawa, ON K2K 0J7
    View profile for Penta Wealth(343) 809-7900

  21. #21 Belanger Financial

    Based in Fallingbrook, 20 km away

    65/100RFA Score

    Ranked #21 because of its Google rating and specialty focus: 5.0★ from 24 Google reviews, listed on Google as “Financial planner”.

    • 5.0★ from 24 Google reviews
    Hours
    Mon–Wed 8:30 AM–6 PM · Thu 8 AM–6 PM · Fri–Sat 8:30 AM–6 PM · Sun closed
    View profile for Belanger Financial(613) 240-8063

  25. #25 BMO Bank of Montreal

    Based in Ottawa

    65/100RFA Score

    Ranked #25 because of its Google rating and specialty focus: 3.2★ from 55 Google reviews, listed on Google as “Financial planner”.

    • 3.2★ from 55 Google reviews
    Hours
    Mon–Fri 9:30 AM–5 PM · Sat–Sun closed
    Address
    303 Rideau St, Ottawa, ON K1N 5Y4
    View profile for BMO Bank of Montreal(613) 244-5885

Financial planners ranked #26 to #50

#1 to #25 are shown in full above. Here are #26 to #50, in RFA Score order; each links to its profile. We publish the top 50 of 93 ranked financial planners here; the rest are on their profiles.

financial planners in Ottawa, ranks 26 to 50
RankBusinessRFA ScoreGoogle ratingDistance
26Goldhar & Associates Ltd., Licensed Insolvency Trustee654.6★ (11)In Ottawa
27World Financial Group: Melody Ly645.0★ (9)In Ottawa
28BMO Bank of Montreal643.2★ (48)In Ottawa
29Inner Circle Wealth Management - Layne Oakhart, BSc, RRC®, CFP®645.0★ (8)In Ottawa
30BMO Bank of Montreal643.1★ (44)In Ottawa
31BMO Bank of Montreal642.9★ (73)In Ottawa
32Retirement by Design645.0★ (7)In Ottawa
33Co-operators - Chris Wilson Financial Group Inc.635.0★ (15)19 km
34Mushaka Jeremie Conseiller en sécurité financière / Financial security advisor635.0★ (6)In Ottawa
35Co-operators - Jason Wilson & Associates Inc634.2★ (24)19 km
36Scotiabank632.8★ (50)In Ottawa
37Scotiabank632.8★ (48)In Ottawa
38Journey Financial635.0★ (14)20 km
39Barrhaven Financial Services Inc.634.7★ (13)16 km
40Scotiabank632.6★ (224)In Ottawa
41J.R. Saint & Associates Insurance Agencies Ltd.635.0★ (5)In Ottawa
42BMO Bank of Montreal632.7★ (73)In Ottawa
43Geoffrey Smith - BMO Financial Planner635.0★ (10)13 km
44Argosy Securities Inc624.2★ (5)In Ottawa
45Financière SISIP Financial623.5★ (6)In Ottawa
46RocheBanyan625.0★ (6)10 km
47TMFD Financial Ottawa614.0★ (4)In Ottawa
48Matt Price | Licensed Mortgage Agent in Ottawa615.0★ (3)In Ottawa
49Ottawa's Award Winning Financial Planner615.0★ (3)In Ottawa
50FIT FiNANCiAL615.0★ (3)In Ottawa

Also serving Ottawa

20 more financial planners within 40 km that we can't rank yet: too few reviews, or a specialty we couldn't confirm. Listed A to Z.

Unranked financial planners serving Ottawa
BusinessGoogle ratingDistance
Adam Schacter CFP | Avesta Wealth Financial and Investment Advisor5.0★ (45)In Ottawa
Astrolabe Financial Group Inc.4.8★ (15)In Ottawa
Bells Corners of RBC Dominion Securities Inc.3.4★ (10)In Ottawa
BMO Private Wealth3.6★ (5)In Ottawa
Bowie Financial Inc.5.0★ (8)In Ottawa
Chris Financial Group5.0★ (6)In Ottawa
Clarck Cadet Consulting5.0★ (21)In Ottawa
Edward Jones - Financial Advisor: Danny Letourneau3.4★ (5)In Ottawa
Exponent Investment Management5.0★ (4)In Ottawa
Gabriel Girardi Omar - Advisor, Sun Life5.0★ (19)In Ottawa
Ginsberg Gingras3.7★ (6)In Ottawa
MSH Accounting Professional Corporation3.8★ (24)In Ottawa
Plus Advisors: Bookkeeping and Accounting4.5★ (16)In Ottawa
Potvin Financial Services4.9★ (83)In Ottawa
PWL Capital Inc - Ottawa5.0★ (28)In Ottawa
Rankin Rice Wealth Management4.9★ (44)In Ottawa
Sun Life Financial Ottawa Capital2.1★ (16)In Ottawa
Tim Waller - Raymond James Ltd.4.0★ (4)In Ottawa
Wealth Harvest Group5.0★ (5)In Ottawa
Wealth Street Financial Solutions5.0★ (4)In Ottawa

How we ranked Ottawa financial planners

We scored 93 Ottawa financial planners on eight factors, weighted as shown. A firm is ranked when its specialty is confirmed and it has 3 or more Google reviews or a claimed profile. A firm with no Google reviews scores zero on rating, review volume and recency. Other unknown factors are left out, not counted as zero. Scores last refreshed November 9, 2026.

Paid placement never changes a rank or score. Sponsored businesses are paid, labelled, limited to 3 and shown above the ranking, outside it.

Read the full method: formula, sources and exclusions

RFA Score factors and weights
FactorWeightComputed fromIn Ottawa data
Reputation30%Google star rating, adjusted for how many reviews back it (client experience, not investment results)Measured
Registration20%Active SEC, state or Canadian securities registration matched in public records (not yet measured)Not yet collected
Review volume10%Number of Google reviews, compared with the most-reviewed firm on the listMeasured
Recency5%Share of reviews from the last 12 monthsNot yet collected
Specialty focus15%How clearly the firm offers this specialty (its Google category and name)Measured
Proximity5%Based in the city scores highest, less the farther away it isMeasured
Claimed profile10%The firm has claimed its Ranked Financial Advisors profile (free or paid earn the same)Measured
Partnered5%The firm links to Ranked Financial Advisors from its own website with our badge, checked periodicallyMeasured

How to choose a financial planner

  1. Confirm the financial planner and the firm are registered: Investor.gov and FINRA BrokerCheck in the US, the CSA National Registration Search in Canada. Read any disclosure events.
  2. Ask whether they act as a fiduciary on your account at all times, and get the answer in writing.
  3. Ask how they are paid: a percentage of assets, flat or hourly fees, a retainer, commissions, or a mix. Each creates different conflicts of interest.
  4. Read the firm’s Form CRS and Form ADV Part 2A brochure (fees, services, conflicts, disciplinary history) before you sign.
  5. Check designations with the body that grants them, such as the CFP Board for CFP® professionals.
  6. Ask about account minimums and who holds your money: your assets should sit with an independent custodian in your name.
  7. Compare at least two or three firms, and be wary of anyone who promises returns or pushes you to decide quickly.

Questions to ask a financial planner

  • Are you a fiduciary for all of the advice you give me, and will you put that in writing?
  • How are you paid, in total dollars per year for an account like mine? Do you earn commissions or other payments from product providers?
  • Which registrations and designations do you hold, and where can I verify them?
  • Who will hold my assets, and how will I see statements directly from that custodian?
  • What services are included in your fee, and what would cost extra with you as my financial planner?
  • Do you have a minimum account size or minimum fee?
  • Have you or your firm had any complaints or disciplinary actions? Where would I see them?
  • How often will we meet, and who will I work with day to day?
  • What happens to my plan or accounts if you retire or leave the firm?

Terms explained

Fiduciary
Someone legally required to act in a client’s interest. In the US, registered investment advisers owe their clients a fiduciary duty of care and loyalty under the Investment Advisers Act of 1940.
Registered investment adviser (RIA)
A firm registered with the SEC or a state securities regulator to give investment advice for pay. Most firms managing $100 million or more register with the SEC; smaller firms usually register with their state.
Investment adviser representative (IAR)
A person who gives advice on behalf of a registered investment adviser, usually registered with the states where they work.
Broker-dealer
A firm that buys and sells securities for customers. US broker-dealers are members of FINRA; their registered representatives typically earn commissions.
Regulation Best Interest (Reg BI)
The SEC rule, in force since June 30, 2020, requiring broker-dealers to act in a retail customer’s best interest when recommending a security or account type.
Form ADV
The registration form every investment adviser files. Part 1 holds facts about the firm; Part 2A, the brochure, describes services, fees, conflicts of interest and disciplinary history in plain English.
Form CRS
A short relationship summary that advisers and broker-dealers give retail investors, covering services, fees, conflicts, standard of conduct and disciplinary history.
CRD number
The Central Registration Depository number FINRA and the SEC assign to each firm and registered person; use it to look them up on Investor.gov or BrokerCheck.
Assets under management (AUM) fee
A yearly fee set as a percentage of the money an advisor manages for you. Advisor surveys have put the median around 1% on accounts up to $1 million, lower on larger accounts.
Fee-only
An advisor paid only by clients, with no commissions or other payments from product providers.
Fee-based
An advisor who charges client fees and may also earn commissions on some products. It is not the same as fee-only.
CFP® professional
A person certified by the CFP Board after meeting education, exam, experience and ethics requirements. The CFP Board requires them to act as a fiduciary when giving financial advice.

Financial planners in Ottawa: frequently asked questions

Which financial planner has the highest RFA Score in Ottawa?

By RFA Score, the highest-ranked financial planner in Ottawa, ON is Co-operators - J.A. Associates Financial Services Inc. with an RFA Score of 77/100. It has 4.9★ from 186 Google reviews. McAuley Financial Services (#2) and Family First Insurance & Investments (#3) follow. We ranked 93 financial planners on eight factors, last updated November 9, 2026.

How many financial planners are there in Ottawa?

RankedFinancialAdvisors ranks 93 financial planners serving Ottawa, ON. 39 of them are based in Ottawa; the rest serve it from nearby towns. Another 20 within 40 km are listed but not ranked yet. Counts are as of November 2026.

Which financial planners in Ottawa work on weekends?

20 of 93 ranked financial planners post Saturday hours and 6 post Sunday hours. The highest-ranked open Saturdays are Life Insurance Ottawa (#5), Bromwich+Smith (#11) and Henley Solutions Inc. (#15). Many advisors meet by appointment, including evenings or by video, outside their posted office hours.

What Google rating do Ottawa financial planners have?

The median Google rating among 93 rated financial planners in Ottawa is 4.6★, with a median of 15 reviews. Scotiabank has the most, 224 reviews, and ranks #40. We adjust ratings for review count, so a few five-star reviews cannot top the list.

How does RankedFinancialAdvisors rank financial planners?

Each financial planner gets a 0–100 RFA Score from eight published factors, led by reputation (30%), specialty focus (15%), review volume (10%) and claimed profile (10%). A firm with no Google reviews scores zero on rating, review volume and recency; other factors we cannot measure are left out. Only firms with a confirmed specialty and 3 or more reviews, or a claimed profile, are ranked.

Do financial planners outside Ottawa count in this ranking?

Yes, if they are within 40 km of the Ottawa city centre, our service radius for financial planners. Each listing shows where the firm is based and how far away it is. Proximity is 5% of the RFA Score, so a nearby firm gets a small edge.

Can financial planners pay to rank higher on RankedFinancialAdvisors?

No. The RFA Score never reads payment status, and this ranking has 0 paid placements. Up to 3 Featured firms may appear above the list, labelled Sponsored and showing their honest rank.

What does a financial planner do?

Financial planners build a written plan across a client’s goals: cash flow, savings, investments, insurance needs, taxes, retirement and estate. Many charge a flat or hourly fee for the plan, an ongoing retainer, or a share of the assets they manage.

How are financial planners in Ottawa ranked?

By RFA Score: public signals such as the Google rating and review count, how clearly the firm offers financial planning and how close it is. Paid placements never change the order, and the score does not measure investment performance.

How do I check a financial planner’s registration?

Search the person and the firm on the Canadian Securities Administrators’ National Registration Search, and for investment and mutual fund dealer representatives on CIRO AdvisorReport.

Who regulates financial planners in Ottawa?

Advisors who sell or recommend securities register with the provincial securities regulator, and representatives of investment and mutual fund dealers are also overseen by CIRO. In Ontario, the titles “Financial Planner” and “Financial Advisor” are restricted to people holding a credential approved by FSRA.

How much do financial planners charge?

Fees depend on the firm and the service: a percentage of assets managed each year, a flat or hourly planning fee, a retainer, or commissions. Ask for the fee schedule in writing and read the firm’s Form ADV Part 2A brochure or, in Canada, its relationship disclosure.

Update log for Ottawa

  1. November 2026: RFA Scores recalculated for 93 financial planners serving Ottawa.

More financial planners and Ottawa pages