Adam Drouin Financial Services

Plan Today,
Prosper Tomorrow.

Protect, Simplify, and Optimize Your Finances with Expert Guidance

What’s On Your Mind?

  • Finished paying off your student loans and have landed a well-paying job?

  • Received an inheritance and want to know how to invest it?

  • Life goals that seem contradictory at first glance?

  • Want to know how your life plans will impact your family?

  • Want to know if your dreams are achievable?

  • Make sure you maintain your lifestyle after retirement?

  • Want to know how to better diversify your investments?

  • ... or simply get a comprehensive overview of your current financial situation?

A Different Kind of Financial Planning

Unlike traditional Financial Planners, I don’t manage your assets or require you to open accounts with me. Fees are based on the time worked, regardless of how much you own, and that’s it. This allows for truly independent advice, focused solely on what’s best for you.

DIY Investors

Guidance for those who prefer to manage their own portfolios but want expert advice.

Real Estate Investors

Planning to balance your portfolio and prepare its transfer to the next generation, in a tax efficient manner.

Professionals and Business Owners

Tailored financial strategies to help you balance personal and business finances while planning for growth.

Retirees (or soon to be)

Customized retirement plans to ensure your financial security and peace of mind.

Customized Financial Strategies for Your Unique Needs

Financial planning is a process that involves optimizing your financial situation, regardless of your age or means.

The analysis includes six aspects:

Personal and family situation

Impact of your marital status on your finances.

Financial situation

Personal balance sheet, budget, and analysis of your investment portfolio.

Tax situation

Analysis of your personal tax situation. Strategies to reduce income taxes.

Retirement situation

Analysis of required savings required to achieve and preserve desired lifestyle.

Situation at death

Identify potential legal, tax, and financial implications upon death, and estate transfer strategies.

Protection situation

Alleviate the financial consequences of an illness or an accident.

Meet your advisor

Adam Drouin, CFA, F.Pl.

Independent Representative
Financial Planner
Financial Security Advisor

Adam works with self-directed investors, real estate investors, professionals, business owners, retirees and those approaching retirement looking to optimize and simplify their personal finances. He helps them find solutions to preserve their assets and foster the growth of their wealth, using tax strategies, analyzing their investment portfolio, and managing risks. He also specializes in retirement and succession planning.Having completed studies in mathematics and computer science at McGill University and completed import/export business projects in China, Adam spent the past eight years working with investors and worked as a Financial Planner (F.Pl.) for high net worth households at RBC Dominion Securities and TD Waterhouse, among others. He is also a Financial Security Advisor, expanding his tool set to help his clients with life and disability insurance. Adam is a CFA® charterholder, and on the way to obtain the Certified International Wealth Manager (CIWM) designation. His commitment to lifelong learning reflects his dedication to continually expanding his knowledge in order to better serve investors.Adam grew up in Montreal and lived shortly in China, where he solidified his knowledge of his third language: Mandarin. In his personal time, he is a pianist and an athlete – badminton, golf, and snowboarding. Adam has always appreciated working with people and sharing his knowledge: he is currently coaching badminton to young athletes. Teaching has long been a part of his extracurricular activities and has contributed to strengthen his skills as a communicator and educator. He lives in Brossard with his partner and his less than a year old daughter.

Ready to Simplify Your Financial Future?

Book a free initial consultation

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Send me a message

1765 crois. de la Sibérie
Brossard, QC, J4X 1R9

DIY Investors

You enjoy managing your own investments, but even the most dedicated DIY investor can benefit from expert advice to fine-tune their strategy and stay ahead of market changes. With the right guidance, you can enhance your financial success while maintaining control.

  • Are my investments truly diversified, or am I taking on unnecessary risk?

  • How can I reduce taxes while growing my portfolio?

  • Should I rebalance my portfolio, and if so, how often?

  • Am I on track to reach my long-term financial goals, or should I make adjustments?

A financial plan provides you with a comprehensive view of your financial health, ensuring you’re not missing critical opportunities to optimize your investments. With a solid plan, you can confidently manage your own portfolio while knowing that your broader financial goals — like retirement, tax efficiency, and risk management — are all on track. A customized plan tailored to your DIY approach gives you the best of both worlds: autonomy and expert-backed security.

Real Estate Investors

If a large part of your wealth is tied up in real estate or other illiquid assets, balancing those with more liquid investments can be a challenge. The right financial plan helps you optimize your cash flow and ensure long-term security.

  • How can I ensure my illiquid assets don’t hinder my ability to access funds when needed?

  • What is the best way to diversify my investments while most of my portfolio is illiquid?

  • Should I consider selling or leveraging any of my real estate holdings?

  • Is my income tax efficient?

  • How do I plan for retirement income with such a heavy reliance on real estate?

  • What will be the impact of capital gain on my estate?

Managing wealth that includes illiquid assets requires a careful balance. A comprehensive financial plan helps ensure that you have enough liquidity for day-to-day needs, emergencies, and future financial goals while keeping your valuable assets working for you. Whether it’s restructuring debt, optimizing tax strategies, or finding ways to generate more liquidity, a plan ensures you can grow and protect your wealth over the long term.

Professionals and Business Owners

As a business owner or professional, you juggle both personal and business financial demands. By implementing a well-structured financial plan, you can protect your assets, optimize your tax situation, and set yourself up for long-term success.

  • What are the best strategies to minimize taxes as a business owner or high-earning professional?

  • How can I balance investing in my business with planning for personal financial goals?

  • How do I protect my personal and business assets while planning for retirement?

  • Should I establish a succession or exit plan for my business?

Your financial situation is complex, and the success of your business is deeply intertwined with your personal financial future. A comprehensive plan takes into account both sides of your finances — helping you minimize taxes, protect your wealth, and ensure that your personal goals are met. By planning ahead, you ensure that you're prepared for life's big decisions, whether that’s retirement, expansion, or transitioning your business to the next generation.

Retirement

You are retired or almost there? Retirement is your time to enjoy life, but it also comes with important financial decisions. With a solid financial plan, you can ensure that your money lasts, avoid unnecessary taxes, and leave a legacy for your loved ones.

  • When can I retire?

  • Will my savings last throughout my retirement?

  • What’s the best way to structure my withdrawals to minimize taxes?

  • Should I consider downsizing or relocating to make my retirement more affordable?

  • Can I help or support my children without compromising my lifestyle?

  • How can I protect my estate and ensure my assets are passed on efficiently?

In retirement, your financial priorities shift from accumulation to preservation. A financial plan helps you ensure that your money is working for you—whether through tax-efficient withdrawal strategies, asset protection, or estate planning. It gives you the peace of mind to enjoy retirement knowing that your financial future is secure, and your loved ones are taken care of.