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Welcome to Smarter Financial Planning

Meet Derek Moran

Derek is a Fee For Service Financial Planner based in beautiful Kelowna, British Columbia. As a University of British Columbia graduate, former CFP, and Registered Financial Planner (R.F.P.) , he has close to three decades of experience in the financial industry.

He’s an expert in his field and was awarded Advisor of the Year in 2004. He has contributed nearly one thousand times, over twenty years to reputable publications such as The Globe and Mail and National Post.

While Derek doesn’t directly manage client investments, he offers advice, empowering his clients to make well-informed decisions. Upon request, he can connect clients with the most suitable Portfolio Managers or equip them with resources to manage their own effectively.

Derek Moran's expertise extends across various financial matters, including pensions, insurance, retirement planning, tax strategies, estate planning, cashflow management and more. Derek is dedicated to delivering comprehensive, client-centric financial solutions to a diverse clientele.

I think talking with you gave K. and I confidence re our plans for the next couple of years...we needed your relaxed yet informed financial and common sense overview to feel comfortable with our immediate future and the decisions we are making. Common Sense

I thank you for sorting out my money dilemmas and for emphasizing that I need to get to know my money managers and use those who are Chartered Financial Advisors as they are more likely to take their fiduciary responsibility to their clients seriously; I enjoyed meeting you and the other financial advisor whom you sent me to see. It is a pity that I did not meet someone like you 30 years ago. Thanks for all your help, Fiduciary Responsibility

It dawns on me that I have come from a place of hating the whole investing thing finding it confusing with little success to now when I find it interesting and something I like doing. As of late a well paying hobby if you will. I owe so much of this to you Derek, thank you for showing me the way. When I reflect on it there is so much stuff out there of contradictory information is it any wonder it is confusing. You my friend have been an inspiration, rock and beacon. I know I have paid you tribute before but I believe it important because it represents the financial well being of not only myself but my family also and I am grateful. Your integrity, passion, positivity and selflessness is admirable. Thank you for showing me the way

Thank you for giving me the push I needed! Your guidance has been truly life changing for me. I finally made it happen!

I am writing to thank you for the effort that you put into [my situation], and, more importantly for the insight that you gave me into some important financial issues. It has been a very beneficial and instructive exercise for me and very much appreciated. Important Insight