Business Details
Trusted Financial Advisers for Personalized Wealth Protection
Girard Financial Services has been dedicated to helping families and businesses secure their financial futures since the early 1980s. Founded by Phil Girard and continued by Brian Girard, our firm combines decades of industry experience with personalized, client-focused financial planning. We specialize in income protection, investment growth, retirement planning, and estate strategies, working with Canada's leading insurance and investment providers to deliver tailored solutions. Our independence as brokers ensures unbiased advice, prioritizing your needs over proprietary products. We serve clients across British Columbia and Alberta, offering comprehensive services including life insurance, critical illness coverage, disability insurance, RRSPs, TFSAs, and tax-efficient estate planning.Our mission is to simplify financial planning, providing clear, customized strategies that protect wealth and build long-term security. With a legacy of trust and reliability, we guide clients through every stage of their financial journey, from initial consultation to ongoing portfolio management. Our three-step process begins with a free consultation, followed by a personalized financial plan and culminates in ongoing support to ensure lasting peace of mind.
Services
Financial Planning
Insurance Planning
Investment Planning
Retirement Planning
Estate Planning
Business Insurance
Tax Planning
Critical Illness Insurance
Disability Insurance
Cashflow Management
Highlights and features
- We offer over four decades of combined experience in financial planning and insurance solutions.
- Our independence allows unbiased advice from Canada's top insurance and investment providers.
- We create fully customized financial plans tailored to individual client circumstances and goals.
- Our client-focused approach prioritizes long-term financial security over proprietary product sales.
- We provide comprehensive guidance through all stages of financial planning and implementation.
What people say
Trusted expertise
Personalized service
Peace of mind
Generations of clients
Clear explanations
Services
Insurance Planning
We provide comprehensive insurance solutions including life, critical illness, and disability coverage. Our tailored strategies protect income and assets from unexpected events while ensuring family financial security. As independent brokers, we access Canada's top providers to find optimal coverage at competitive rates.
Investment Planning
Our personalized investment strategies align with financial goals and risk tolerance. We specialize in RRSPs, TFSAs, and pension optimization to maximize returns. Working with leading financial institutions, we create diversified portfolios that balance growth potential with risk management for long-term wealth accumulation.
Estate Planning
We develop tax-efficient estate plans using life insurance and strategic wills to minimize probate fees. Our services ensure smooth wealth transfer while reducing tax burdens. We help clients create lasting legacies through trusts and business succession planning tailored to individual family needs.
Retirement Planning
Our retirement planning services optimize RRSP contributions and develop sustainable income strategies. We create personalized roadmaps for financial independence, addressing pension maximization and tax-efficient withdrawal strategies. Our goal is to ensure clients can retire with confidence and maintain their desired lifestyle.
Business Insurance
We offer specialized business insurance solutions including key person coverage and corporate life insurance. Our tax-efficient strategies protect companies from financial disruptions while supporting succession planning. We help business owners implement insurance-based solutions for asset protection and wealth transfer.
People
Brian Girard
Financial Advisor
With over 15 years in financial services, Brian Girard specializes in personalized wealth protection strategies. He continues his family's legacy of client-focused planning, working with Canada's top providers to deliver tailored insurance and investment solutions for individuals and businesses.
Questions
How do I determine appropriate life insurance coverage?
We assess your income, debts, and financial goals to recommend coverage that protects your family's future without over-insuring.
What's the difference between term and whole life insurance?
Term provides affordable coverage for specific periods, while whole life offers lifelong protection with cash value growth for long-term needs.
Do you work with multiple insurance providers?
As independent brokers, we access Canada's top providers to find optimal solutions tailored to your specific requirements.
How can business owners benefit from life insurance?
Corporate life insurance protects against key person loss, facilitates succession planning, and provides tax-efficient wealth transfer strategies.
What estate planning services do you offer?
We create tax-efficient wills, trusts, and insurance-based strategies to minimize probate fees and ensure smooth wealth transfer to beneficiaries.
How do you develop investment strategies?
We create personalized plans based on your goals, risk tolerance, and time horizon using diversified investment vehicles from leading providers.
Reviews (1)
James
Jul 15, 2020
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Phil and Brian are both top notch. They took the time to not only provide the service but to answer questions and offer many different products to best suit my family's needs. Been with them for over 15 years now and counting
