Looking for a Fee Only Financial Advisor in
Atlantic Canada?

Unbiased financial planning for people in Nova Scotia, New Brunswick, Newfoundland, Labrador and Prince Edward Island who want clear advice, transparent fees, and no product sales.

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Financial Planning Services Built for Atlantic Canadians

Retirement Planning

Know your number, build your paycheque, and time pensions with confidence.

Smarter Investing

Cut fees, invest with purpose, and gain confidence in your decisions.

Family & Legacy

Protect your family, clarify your wishes, and plan beyond the numbers.

Business Owners

Move money smarter, reduce tax drag, and plan your future exit.

Get Clear Financial Advice Without Product Sales

As Seen On

Meet David Martin

Trusted, Advice-Only Financial Planning for Atlantic Canadians

David Martin is the founder of Eltero Financial Partners, a Halifax-based advice-only financial planning firm serving clients across Atlantic Canada. With more than 25 years of experience, David works with DIY investors, business owners, healthcare professionals, and families who want clear, practical financial guidance without commissions or product sales.

Clients choose David because his model is built on transparency, objectivity, and trust. As an advice-only financial advisor, his focus stays where it belongs: on your goals, your decisions, and your long-term financial future. His Atlantic Canadian roots, combined with national recognition as one of Canada’s 5-Star Advisors, give clients both local understanding and proven credibility. His career has also included advanced financial designations such as Certified Financial Planner, Canadian Investment Manager, and Fellow of the Canadian Securities Institute.

David’s experience spans tax-efficient planning, retirement and estate strategies, investment guidance for DIY investors, and financial planning for incorporated professionals and business owners. He began his career at the Canada Revenue Agency, giving him a strong foundation in tax and financial structure that still shapes his advice today. Outside of work, he is a dedicated marathon runner, proud father, and someone who believes financial planning should feel clear, personal, and genuinely helpful.

Reach Out — We'll Keep It Simple

Frequently Asked Questions

1. What is a fee only financial advisor?

A fee only financial advisor is paid directly by clients for advice, not by commissions or product sales

2. How is fee only different from fee based?

Fee only means advice is paid for directly. Fee based advisors may still earn commissions.

3. Do you work with clients in Nova Scotia, New Brunswick, Newfoundland, Labrador and PEI?

Yes. Eltero is based in Halifax and works virtually with clients across Atlantic Canada.

4. What services do you help with most?

Retirement planning, tax optimization, investment strategy, and business planning are core service areas.

5. How do your fees work?

Fees are flat and based on the complexity of your financial situation, with clear pricing upfront.

6. Is Eltero a good fit for DIY investors?

Yes. David specifically works with DIY investors who want objective guidance and planning support.

Rooted in a tradition of client-first service and transparency, we operate as an independent Fee Only Financial Planner, helping Canadians gain clarity and confidence in their finances.

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