Certified Financial Planner in Brampton
Modern Advice.
Real Results.
Independent financial advice for Brampton's families, business owners, and first-generation wealth builders — built around your life, not a product.
Certified Financial Planner™
Featured In
Globe and Mail · CTV News · Yahoo Finance · BNN Bloomberg
4×
Diamond · Readers' Choice 2025
Certified
Financial Planner™
Featured In
Globe and Mail
CTV News
Yahoo Finance
BNN Bloomberg
4×
Diamond Winner
Readers' Choice 2025
Brampton is one of Canada's fastest-growing cities with a population exceeding 650,000 and a median household income of approximately $88,000. Major employers in Brampton include Loblaw Companies, Rogers Communications, Chrysler Canada, Peel Regional Police, William Osler Health System, and a significant concentration of logistics, manufacturing, and distribution employers along the Highway 410 and 407 corridors. Brampton has one of the highest concentrations of small business owners and incorporated professionals in the GTA, particularly within the South Asian business community, where corporate planning, tax-efficient compensation structures, group benefits, and succession planning are the most common entry points for a financial planning relationship. Mortgage broker demand in Brampton at 480 searches per month is the highest single keyword volume across all cities analysed, reflecting a large and active homebuying market where first-time buyers, move-up buyers, and investment property purchasers all require independent mortgage advice. Castlemore and Vales of Castlemore attract established high-income families and business owners where estate planning, corporate investment coordination, and succession conversations are increasingly prominent. Credit Valley serves a premium professional demographic where dual-income households are managing mortgage complexity, RESP planning, and early retirement contributions simultaneously. Heart Lake and Fletcher's Meadow attract growing families where first home purchases, life insurance coverage, and TFSA and RRSP foundations are the most common starting points. Mount Pleasant and Springdale serve a younger professional demographic where first-generation wealth building, mortgage strategy, and the coordination of a first real financial plan are the defining planning needs. Modern Vision Planning serves clients across all of Brampton virtually and in person, with the office located at 6733 Mississauga Road, Suite 700, Mississauga, Ontario, L5N 6J5, approximately 14 kilometres from downtown Brampton.
Who We Serve
Brampton is one of Canada's fastest-growing cities — a dynamic community defined by entrepreneurial energy, cultural diversity, and a younger demographic that is building wealth from the ground up. The financial planning conversations here reflect where the city is going, not just where it has been.
First-generation wealth builders
RRSPs, TFSAs, first homes, and a financial plan built around income that is growing fast — for families who are doing this for the first time and want to get it right.
Business owners and incorporated professionals
Brampton's entrepreneurial community is one of the most active in the GTA. Corporate planning, tax-efficient compensation structures, and succession planning — for owners ready to build personal wealth alongside the business.
First-time and move-up homebuyers
With mortgage broker demand among the highest of any city in the dataset, Brampton clients are actively navigating purchases, renewals, and refinancing decisions that require independent mortgage advice across the full market.
Families managing insurance and protection planning
Insurance advisor demand in Brampton is proportionally higher than any other city — reflecting a community that understands the value of protection alongside wealth building.
Clients are served across Castlemore, Vales of Castlemore, Credit Valley, Heart Lake, Fletcher's Meadow, Mount Pleasant, Springdale, and all communities across Brampton.
Financial Planning
The foundation everything else is built on — a comprehensive plan that brings your investments, insurance, mortgage, and retirement together so every decision makes sense.
Investments
Independent investment advice across TFSAs, RRSPs, RESPs, RRIFs, RDSPs, and non-registered accounts — with access to the full market, not just what one institution offers.
Mortgages
Independent mortgage advice for purchases, renewals, refinancing, and home equity lines of credit — with access to rates across 50+ lenders, not just one bank's options.
Insurance
Life insurance and living benefits — including disability, critical illness, and long-term care — structured to protect what you've built without overpaying, reviewed objectively across all major Canadian providers.
Retirement and Estate Planning
CPP and OAS optimization, RRIF conversion, defined benefit pension decisions, and estate structures that protect what you've built — for pre-retirees, retirees, and families thinking generationally.
Group Benefits
For business owners and incorporated professionals who want to offer competitive employee benefits — health, dental, disability, and group RRSP plans structured independently, without being tied to a single carrier.
Why Modern Vision Planning
Modern Vision Planning was built on a simple belief that good financial advice should be available to anyone who genuinely wants it, regardless of where they are in their financial journey.
That belief drives everything. Financial planning, investments, mortgages, and insurance are coordinated under one roof so nothing gets lost when one affects another. The depth of knowledge across all four allows us to challenge assumptions, ask better questions, and ensure every recommendation fits the full picture of someone's financial life.
The deeper goal goes beyond recommendations. Modern Vision Planning exists to change the way clients think about their finances. Better decisions start with a better understanding of how everything connects. That shift in thinking is what separates a plan that works on paper from one that works in real life.
That difference has been recognized independently across all four. Modern Vision Planning is a four-category Diamond Winner in the 2025 Best of Mississauga Readers' Choice Awards.
Every client who works with Modern Vision Planning deserves the same standard of integrated, honest advice. The cases vary, from first financial plans to multi-generational wealth strategies, from straightforward insurance needs to complex corporate structures. That range is not accidental. It is the foundation the firm was built on.
Why Modern Vision Planning
Modern Vision Planning was built on a simple belief that good financial advice should be available to anyone who genuinely wants it, regardless of where they are in their financial journey.
That belief drives everything.
Financial planning, investments, mortgages, and insurance are coordinated under one roof so nothing gets lost when one affects another. The depth of knowledge across all four allows us to challenge assumptions, ask better questions, and ensure every recommendation fits the full picture of someone's financial life.
The deeper goal goes beyond recommendations.
Modern Vision Planning exists to change the way clients think about their finances. Better decisions start with a better understanding of how everything connects. That shift in thinking is what separates a plan that works on paper from one that works in real life.
That difference has been recognized independently across all four. Modern Vision Planning is a four-category Diamond Winner in the 2025 Best of Mississauga Readers' Choice Awards.
Every client deserves the same standard of integrated, honest advice. The cases vary, from first financial plans to multi-generational wealth strategies, from straightforward insurance needs to complex corporate structures.
That range is not accidental. It is the foundation the firm was built on.
CHOOSE YOUR PLAN
Fee-Only Advice
By the Hour, Project, or Plan
We'll take an honest look at your full financial picture and tell your exactly where you stand and what to improve. Pay directly for advice by the hour, project, or plan — no products, no commissions.
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Commission-Based Advice
Paid by the Product Provider
Compensation comes from the product provider when a solution is implemented. Because we're independent, that means finding the right fit across the full market — not the most convenient one.
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Fee-Based Advice
Charged as a % of Your Portfolio
A transparent percentage of investment assets managed. Our interests are always aligned with yours — your advisor grows when you grow.
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William Chan — Founder & Certified Financial Planner™
Fifteen years inside some of Canada's largest financial institutions teaches you a great deal about how the industry works. It also teaches you where it falls short.
William Chan built Modern Vision Planning because he believed clients deserved better — not just better advice, but a fundamentally different relationship with the person giving it. One built on clarity, independence, and a genuine understanding of how financial decisions connect across every area of someone's life.
Raised in Toronto and having spent his entire career serving clients across the GTA, William holds the CFP®, CLU®, CHS™, CEA designations. He was named a WPC 5-Star Advisor 2026 by Wealth Professional Canada — one of the most rigorous independent recognitions in the Canadian financial industry — and a four-category Diamond Winner in the 2025 Best of Mississauga Readers' Choice Awards.
Everything he learned along the way is in service of one thing. Getting it right for the people who trust him with their financial lives.
Frequently Asked Questions — Financial Planning in Mississauga
What is the difference between a Certified Financial Planner and a financial advisor, and why it should matter in Oakville?
In Ontario, financial advisor is a regulated title — anyone using it must be registered with an applicable regulator. A Certified Financial Planner goes significantly further. The CFP designation, governed by FP Canada, requires advanced financial planning education, rigorous examinations, documented experience, and ongoing professional development. More importantly, CFPs are held to a comprehensive financial planning standard — meaning the advice should address your full financial picture rather than a single product or account. In Oakville's high-income advisory market, where the decisions involve significant assets and long planning horizons, that distinction matters considerably.
How does retirement and estate planning work for Oakville clients?
For most Oakville clients, the retirement conversation is less about whether they can afford to retire and more about the sequence of decisions that determines how comfortably retirement unfolds. Pension timing, OAS and CPP optimization, RRIF conversion, income splitting opportunities, and the estate structure that protects what has been built — these are not separate conversations. They connect in ways that make the order of decisions matter enormously. At Modern Vision Planning, retirement and estate planning is treated as one integrated conversation — because for the client sitting across the table, it always is.
Do you work with executives and corporate professionals in Oakville?
Yes — and the planning conversation for executives typically goes well beyond what a bank advisor is structured to address. Defined benefit and defined contribution pension decisions at career transition points, equity compensation including restricted stock units and employee share purchase plans, and the coordination of corporate and personal financial planning alongside a long pre-retirement horizon are all areas where independent CFP advice adds the most value. At Modern Vision Planning, those conversations are coordinated across the full financial picture rather than addressed in isolation.
How do I know which fee model is right for my situation?
Most people are already paying for financial advice — they just don't always see it. At the bank, costs are typically built into the products. Working with Modern Vision Planning is less like a dramatic change and more like switching bank branches — the difference is transparency and choice. Fee-only means paying directly for advice by the hour, project, or engagement. Fee-based means a transparent percentage of investment assets managed. Commission-based means compensation comes from the product provider when solutions are implemented, at no direct cost to you at the point of transaction. The right model depends on your situation — and that conversation happens before anything else.
Can Modern Vision Planning help if I already have a financial advisor?
Yes — and it is more common than most people expect. Many clients come to Modern Vision Planning after years with another advisor, often because something felt off but they could not identify exactly what. A second opinion on an existing plan, a review of current investments or insurance, or a conversation about whether the advice you have been receiving is genuinely independent — none of these require you to make an immediate change. The goal of that first conversation is clarity, not a sales pitch. What you do with that clarity is entirely your decision.
