For Canadian Professionals · The 4-Week Program
From Saver to Investor.
The 4-week identity shift. We don't just set up your TFSA. We make you the kind of person whose money works for them, automatically, for the next 40 years.
You earn good money. You know you should be investing. But every time you sit down to figure it out, you close the tab.
Your savings sit in chequing. Earning 0.05%. Losing value to inflation.
In 4 weeks, we fix that together. You'll have your TFSA or RRSP open. Your contributions automated. Your portfolio chosen - and you'll understand exactly what's in it and why.
This is for you if:
- ✓ Late 20s or 30s, earning a decent income in Canada
- ✓ Money saved but you don't know what to do with it
- ✓ You've tried to figure out TFSA vs RRSP and bailed
- ✓ You have RSUs or a recent windfall sitting in cash
- ✓ You want a system you understand, not someone managing your money
This is not for you if:
- ✗ You want stock picks (that requires a licensed advisor - I'm not one)
- ✗ You're looking for crypto or day-trading strategies
- ✗ You want passive "set and forget" where someone else does it for you
- ✗ You're already a confident investor with a system you trust
Everyone I work with feels behind. The 32-year-old tech worker who "should have figured this out by now." The new dad realizing he hasn't started an RESP. The flight attendant whose pilot friends bought condos at 25.
You're not weird for feeling this way.
You're normal.
And the only fix is to start now.
What You'll Learn
The 10 Pillars Curriculum.
Every concept in the 4 weeks traces back to one of these. Master them and you'll understand 95% of what every financial book is trying to tell you. The 10th pillar is revealed only inside.
Diversification
Across investments and income streams
Spread your risk so one bad call can't sink you. That means diversified index funds, but also more than one income stream. The more sources your money comes from, the safer you are.
Dollar Cost Averaging
Buy on autopilot, every paycheck
Invest a fixed amount on a schedule. Beats trying to time the market - every time.
Asset Allocation
Match investments to your life stage
90% of your returns come from this, not from which fund you pick. A simple starting point: the 120-minus-your-age rule for how much to hold in stocks.
Compound Interest
The 8th wonder of the world
Time is your single biggest advantage. Every year you wait costs you decades.
The 4% Rule
How much you actually need to retire
Know your real number. Most Canadians don't, which is why they panic at 50.
Tax Minimization
Keep more of what you earn
TFSA. RRSP. FHSA. Knowing the order to fund them is worth 5-figures over a career.
Fee Minimization
The silent wealth killer
1% in fees over 40 years = $400K gone. The banks won't tell you that.
Controlling FOMO
Being okay with missing out
The biggest losses happen when FOMO overrides your system. The hot stock, the crypto coin, the thing everyone's buying. Being okay missing out is a financial superpower.
Lifestyle Creep
The real key to escaping the rat race
Escaping the rat race comes down to one thing: widening the gap between what you earn and what you spend. Every raise absorbed by a nicer car keeps you stuck. Hold the line, and your freedom grows.
The 10th Pillar
The secret most Canadians never learn
Counter-intuitive. Most coaches don't teach it. Revealed only inside the program.
Revealed inside the program
Why I'm Doing This Publicly Now
A finance degree didn't save me from the mistakes.
I have an honours finance degree. It didn't stop me from chasing hot stocks. Losing money in a poker phase. Buying into SPACs. Building a portfolio of overlapping ETFs that I couldn't explain to anyone.
I watched my own money grow despite my effort, not because of it.
Eventually I read the books I should have read first. Ran the numbers on my own portfolio. Realized the boring stuff (low-cost index funds, automation, dollar-cost averaging) was outperforming my "clever" picks. Rebuilt my system from scratch. Today it takes 7 seconds to rebalance.
I helped 10 friends do the same thing. Their results were so consistent I realized this isn't gatekept knowledge. It just needs someone to walk you through it.
So I'm going public. I'm tired of watching smart Canadians pay banks to manage their money badly. This is what I wish someone had taught me at 25.
A 4-Year Result
Amy started with near-zero financial literacy.
From near-zero financial literacy to $90,000 net worth
"I came to Suroy about four years ago when I had some savings but no real idea what to do with them. My financial literacy was close to zero, and I wasn't sure where to even start. Suroy walked me through the basics of investing and money management so I could build the confidence and agency to start making my money work for me. Since then, I've started investing through Wealthsimple with Suroy's guidance, and my net worth is now around $90,000 and continuing to grow. This is all money from my own hard work. I feel like I'm on track to live more freely. I don't feel chained to my job the way I once did. What once felt intimidating now feels doable, even exciting."
- Amy C., Past client, 4 years
Individual results vary. Past performance does not guarantee future results.
Before we talk price
What this is worth, compared to your alternatives.
A Certified Financial Planner (CFP)
One-time financial plan. 40-page PDF. You'll read it once (maybe).
Bank mutual funds (1.5-2% MER)
Over 30 years on $100K, in fees alone.
One bad investment
The hot stock your friend recommended. The crypto coin from the YouTube guy. The mutual fund the bank pushed.
The 4-Week Investor Blueprint
1:1 coaching · The 10 Pillars · Lifetime access · Triple Promise
The Offer
From Saver to Investor
Founder pricing for the first 20 clients. Pricing increases with each cohort after that.
Starter
Here's everything you get:
- 4 × 90-min 1:1 coaching calls$800
- The 10 Pillars Curriculum (10th revealed inside)$297
- Net Worth Tracker (Canadian Edition)$97
- The Nomad Number Calculator$97
- Travel Sinking Fund Template$47
- TFSA + RRSP Optimization Workbook$47
- Investing Vocabulary Vault$27
- Wealthsimple + Questrade Setup Walkthroughs$97
- 30 days post-program support$150
- Lifetime access to all materials$97
- Triple Promise (risk reversal)Priceless
Pricing increases with each cohort.
Standard
Everything in Starter, plus:
Plus, exclusive to Standard:
- 6 months of Nomad Finance Club group calls$114
- Spouse / partner attends free$499
- 6-month portfolio health check call$150
- Priority email Q&A inside the Club$97
Pricing increases with each cohort.
Risk Reversal
The Triple Promise.
Promise 1
The Money Working Guarantee
If you don't have an investment account (TFSA or RRSP, whichever fits) and an automated investing system fully set up at the end of 4 weeks, I'll keep working with you for free until you do.
Promise 2
The 14-Day Trust Guarantee
After the first 2 calls, if I'm not the right coach for you, ask for a full refund and keep every template I've already sent. No questions asked.
Promise 3
The "I'm Not Done" Promise
After the 4 weeks, you get 30 days of text/voice access. You're not buying 4 calls. You're buying a coach who finishes what he starts.
What 4 Weeks Looks Like
Your roadmap.
Week 1: Foundation
- • Audit your current accounts
- • Open your TFSA or RRSP
- • Walk through Wealthsimple Invest's risk questionnaire together
- • Set your first automatic contribution
Week 2: System
- • Set up your full automation flow
- • Build your emergency fund target
- • Lock in your monthly investing rhythm
- • Pick snowball or avalanche if you have debt
Week 3: Strategy
- • Walk through your asset allocation rationale
- • Understand what you own and why
- • Set up your Net Worth Tracker
- • Build your sinking funds for travel and bucket-list goals
Week 4: System Owner
- • Annual financial review template walkthrough
- • Tax-season prep
- • Long-term maintenance plan
- • You leave running the system yourself
The math of waiting
Every year you delay costs you.
$280,000
That's how much more you'd have at 65 if you started investing $500/month at 28 instead of 30. Two years of indecision. $280K of compounding gone. The math doesn't care about your reasons.
Time is the one thing you can't buy back with a higher salary later.
Math assumes 7% annual return after inflation. Illustrative only.
Common Questions
FAQ
Are you a Financial Planner or Financial Advisor? +
No. Those titles require credentials I don't have (CFP, QAFP, etc.) and they're regulated in Ontario under the Financial Professionals Title Protection Act.
What I do have: a university degree in Finance, graduated with distinction. 13+ years of personal finance experience, including working with clients informally through friends and word of mouth.
I'm a Financial Coach. I teach you the systems, behavior, and decision frameworks. For investment selection, you'll use Wealthsimple Invest's questionnaire, which is the registered party that legally provides allocation guidance.
Can you recommend specific stocks or funds for me? +
No, and you should be cautious of anyone unlicensed who does. I teach you how to use registered tools (like Wealthsimple Invest) that legally provide that guidance. I'll walk through their output with you so you understand what you're choosing and why.
What if I'm not in Toronto or the GTA? +
All calls are virtual. The program works for anyone in Canada. I focus on Canadian accounts and tax structures (TFSA, RRSP, FHSA), so if you're outside Canada the value drops significantly.
Is this for total beginners or people who've already started? +
Both. About 60% of past clients had never opened an investment account. About 40% had something started but didn't understand what they owned. Either way, the 4-week structure gets you to the same place: a clear system you control.
What's the difference between Starter and Standard? +
Same 4 × 90-minute 1:1 calls. Standard adds (a) 6 months of monthly group calls inside the Nomad Finance Club, (b) your spouse or partner can attend the calls for free, and (c) a 6-month portfolio health check call. If you're doing this with a partner or want longer-term community support, Standard pays for itself.
What's the Nomad Finance Club? +
My $19.99/month community for people who want ongoing accountability without 1:1 coaching. Monthly live group call, WhatsApp community, tax/legislation updates, member resource library. Standard clients get 6 months included.
Why Founder Pricing? +
I'm running my first 20 paid coaching clients at $399 / $499 to fill the founder cohort quickly and gather testimonials. Pricing increases with each subsequent cohort. The founder rate is the lowest this program will ever be priced.
What if I'm not happy? +
See the Triple Promise. Three layers: results guarantee, 14-day full refund (keep all templates), and 30 days of post-program support.
How is this different from reading r/PersonalFinanceCanada or YouTube? +
It isn't, if you're someone who reads finance content and acts on it. Most people aren't. They read for months and still haven't opened the account. The program is the accountability and walkthrough that turns reading into action. You're not paying for information. You're paying for getting it done in 4 weeks instead of 4 years.
Last thing
Founder pricing for the first 20 clients only.
Pricing increases with each cohort after that.