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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.

Thanks very much for today's telephone conversation. I know we are not at the 'end' but even this was immensely helpful. I am not sure I like the fact that some of my less than desirable personality traits are so transparent -- you seemed to have picked them up all too easily - but I guess to be a financial planner you also need a degree in psychology because how we each deal with money is so much part of our personality. Personality and Financial Planning

It was so nice seeing you today, and I really appreciate your help and advice, as always. I wasn't quite sure what to do with the proceeds from my house sale, and am a lot more confident now. I am always so glad to talk to you. I'm glad you don't think I'm nuts to keep a fair bit of ready cash in my bank account, but I will move it to a savings account. I trust you implicitly and am so grateful that you are there for me to lean on. You are my rock. Besides, I really enjoy your company. Implicit Trust

I was happy to refer S.M. You helped me a lot and certainly in light of the craziness of the past two months in the economy, I owe you even more thanks! It has given me peace of mind to know that I have done/am doing what I can. By the way, I did meet Andrew Allentuck for coffee in Winnipeg, very enjoyable! Take care, and all the best in the New Year! Crazy Economy

It has been an extremely worthwhile process we thoroughly enjoyed working with you. Thank you for your evaluation and recommendations, it's comforting to know that we are headed in the right direction. Sid and Adele We are headed in the right direction

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