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Unbiased financial advice.

We’re not your typical financial advisor.

We don’t try to sell you products that you don’t need or understand.

We will assist in crafting full financial plans for you, your family, and your business.

Building a better experience.  One client at a time.

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.  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.

David Martin - Fee Only Financial Planner


our services include

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 planner will help guide you to meaningful outcomes in the following areas for you and your family:

It’s time you invested in yourself.

What is “Experience First Planning”?

How is client success affected by having tangible goals?

Why Budgets and Budgeting Don’t Work

Why Budgets and Budgeting Don’t Work

Budgeting Does Not Work!  Rethinking Spending: The Cash Flow Approach When I first started in…

Should You DIY Your Financial Planning?

Should You DIY Your Financial Planning?

My TED Talk on DIY Financial Planning   I was recently asked to speak on…

When to take CPP and OAS

When to take CPP and OAS

Show me the Money!! Who doesn’t want “free” money from the government? If you’ve ever…