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Transparent, advice only financial planning.

Atlantic Canada's
Fee Only Financial Advisor

We design your path to financial success, not push products.

Serving healthcare professionals, business owners, and DIY investors.

Optimizing your finances. Maximizing your goals.

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Financial Planning

Goal personalization is key as this is the cornerstone of all decisions.

Investment Consulting

We ensure proper risk and return objectives are established.

Tax Strategies

Ahh… taxes. Gotta love’em. But let’s minimize the amount you pay.

Meet David Martin

David is the founder of
Eltero Financial Partners

Inspired by his career-long advocacy for elevated, personalized client service and lower fees in the financial planning world, David Martin built Eltero as a truly Fee Only Financial Advisor practice in Halifax. He firmly believes in empowering clients to set and achieve goals by improving their financial literacy.

After a brief stint with the Canada Revenue Agency upon graduating with a degree in Economics, David has spent his entire career in the financial services industry in various capacities.  This broad and deep background led to David Martin being named one of Canada’s 5-Star Advisors (Wealth Professional Canada) in 2021.

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David Martin - Advice Only Financial Advisor

Services

advice only financial planning services

We’ll help you answer questions that might not be top of mind right now, but they are just as, if not more important, to your financial well-being.  Our processes as a fee-only financial advisor will help guide you to meaningful outcomes in the following areas for you and your family:

Schedule Your Clarity Call
estate and gift planning - Eltero Financial

Estate And Gifting Planning

  • Do your beneficiaries understand your estate wishes? Do you?
  • What happens to your assets if you are no longer able to make decisions?
  • Would you enjoy seeing your children or grandchildren spend some of their inheritance while you’re living?
  • Is a community legacy important to you?
retirement planning - Eltero Financial

Retirement Planning

  • How do you see your retirement lifestyle being different from your working lifestyle? The same?
  • Should you take a lump sum retirement package from your employer or stay in the company pension plan?
  • Do you know the sources of your retirement paycheque?
business planning - Eltero Financial

Business Planning

  • What is your exit strategy? What would you like it to be?
  • Is your current business structure suited to optimize your exit strategy?
  • Are you happy with your employee retention and compensation structure?
investment portfolio analysis - Eltero Financial

Investment Portfolio Analysis

  • What are your risk parameters when it comes to investing?
  • What rate of return do you want to earn on your investments?
  • What rate of return do you need to achieve on your investments?
  • Do your return “needs” and “wants” match your current portfolio construction?
insurance analysis - Eltero Financial

Insurance Analysis

  • Do you need insurance?
  • What insurance do you currently own directly?
  • What insurance do you currently own through your employer?
  • Are you over-insured? Under-insured?
cash flow planning

Cash Flow Planning

  • What are your current and expected future sources of income?
  • What are your current and expected future expenses?
  • What trade-offs are you willing to take to achieve big goals?
tax planning - Eltero Financial

Tax Planning

  • Is “current you” paying too much in tax?
  • Is “future you” paying too much in tax?
  • What tax strategies are you not employing effectively?

Lifestyle Goal Setting

  • What are you doing today that makes you happy?
  • What do you want to be doing in the future?
  • What would you like to stop doing?

It’s time you invested in yourself.

What is “Experience First Planning”?

How is client success affected by having tangible goals?

Eltero Blog

RRSP TFSA Strategy Canada: How to Use Each Account to Pay Less Tax
30Apr

RRSP TFSA Strategy Canada: How to Use Each Account to Pay Less Tax

RRSP, TFSA, or Non-Registered? How to Use Each Account to Pay Less Tax Over a…

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DIY Retirement Planning in Canada: Are You on Track?
18Mar

DIY Retirement Planning in Canada: Are You on Track?

DIY retirement planning Canada-wide is the same basic puzzle…   but the pieces look different…

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Why Most Financial Plans Fail to Spark Excitement: 3 Common Mistakes
31Jan

Why Most Financial Plans Fail to Spark Excitement: 3 Common Mistakes

Why Most Financial Plans Fail to Spark Excitement: 3 Common Mistakes The difference between having…

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