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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.

Thank you for a very useful consultation. Useful Consultation

Thank you for the discussion yesterday. The best part for me was... Can we afford to retire? Yes! Can We Afford to Retire?

Hi to All, I wanted to thank you all again as your guidance and recommendations have provided Sue and I with the insight and courage to take the next steps. A brief update as follows: 1. The (recommended) investments have all delivered above average results 2. None of the former investments remain 3. S. will be retiring from her employer at the end of February plus a 1 year salary package (no pension) 4. My last day of employment will be April 30 Travel plans consume much of our thoughts but as our daughter and her husband are expecting their first child in May we will be in Calgary for a (short) while. Next Steps are Working

In todayâ€™s Globe and Mail special Investment Fund addition; I read with great interest an article by Carol Lynde, President and COO of Bridgehouse Asset Managers. She talks about the 6 key adviser characteristics as they apply to their clients: character, chemistry, caring, competency, cost effective, consultative; and she elaborates a little on each one. Just wanted to let you know that in our eyes, you rate a 10/10 on each one and we feel very fortunate to have you looking after our finances. Key Characteristics

This week we went over $1M. When we came to you, I was very worried weâ€™d never have enough income to retire. We certainly never thought weâ€™d become â€œmillionairesâ€ especially since we had - maybe? - $400K (I think it was actually closer to $365K) when we first came to see you for advice and help. We will be forever thankful! I was wrong about the value of our investments