Wealth Starts With a Plan. Legacy Starts With You.
Virtual, fee-for-service financial planning for first-generation wealth builders across Canada
Meet Your Financial Planner:
Kirby Fabien, CFP®
Before I was a Certified Financial Planner, I was an offensive lineman in the CFL. The job was simple: protect the people behind you and put the team first.
My perspective on wealth is personal. I’m a first-generation Canadian, born to Haitian immigrants, and I know what it takes to build from nothing. Money isn’t just a number. It’s the security and legacy you create for the people who matter most.
I’ve worked on both sides of the industry, from a major bank to a boutique wealth management firm, and saw the same gap in each: the best planning was reserved for people who had already arrived.
Today, I’m a first-gen wealth builder myself. I started Fabien Wealth so you can get that level of guidance while you’re building, not after.
My mission is to give you the strategy you deserve as you out-earn your upbringing and secure your family’s legacy.
Is This You?
You’ve built a strong income, maybe even a corporation, and you’ve done it without a family playbook.
Here’s where many first-generation professionals across Canada find themselves.
Not sure where to start
You’re earning well but have no roadmap. You want a clear plan, not just products.
Outgrowing DIY
Spreadsheets and Reddit threads got you here. Now you need a real strategy to go further.
First in your family
No one handed you a playbook. You’re building generational wealth from scratch and you want it done right.
Banks aren’t cutting it
You’re tired of being just a number in a retail branch. You want a dedicated advisor who understands you and your goals.
Explore Our Services
We believe in meeting you exactly where you are in your wealth-building journey.
Whether you need an objective fee-for-service blueprint or long-term portfolio strategy, our virtual solutions are built to scale with your ambition—with zero asset minimums for financial planning, and portfolio management starting at $100,000.
We offer 100% virtual Fee-for-Service Planning, Integrated Investment Management, and Strategic Wealth Protection to clients across Canada.
Fee-For-Service Financial Planning
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Comprehensive Wealth Strategy
The Engagement: 12-Month Active Partnership
The Focus: Your financial "Master Plan." We sync your income, investments, and family protection into one cohesive strategy. We build a structural blueprint so every dollar you earn has a specific purpose, while allowing you to enjoy the fruits of your labour.
What We’ll Build Together:
Your Future, Visualized: We build a 20+ year "financial map" to stress-test big decisions like early retirement or a secondary property. Providing you with the clarity you need for your next move.
Tax-Efficient Architecture: High earners often lose significant wealth to unnecessary taxes. We reorganize your investment "buckets" to ensure you keep the maximum amount of your hard-earned money.
Lifestyle Optimization: We analyze how money moves through your household, optimizing your debt and savings rates to ensure your current lifestyle doesn’t come at the expense of your future freedom.
A Legacy Framework: We build a dedicated framework for funding post-secondary education and a plan for how your success will benefit the next generation.
Best For: High-earning individuals and families seeking clarity and security.
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The Engagement: 12-Month Active Partnership
The Focus: Our most comprehensive blueprint, designed for the incorporated professional and business owner. We treat your company as the engine of your success, syncing your corporate surplus with your personal and family goals into one Integrated Master Plan.
The Planning Framework:
A Unified Financial Roadmap: A 20+ year map that merges your corporate & personal assets. We stress-test the big "what-ifs” to give your family clarity in every scenario.
Corporate Surplus & Tax-Efficient Capital Extraction: A coordinated strategy to manage your retained earnings. We optimize the mix of salary and dividends to fund your lifestyle, while ensuring the capital remaining in your company is invested for tax-efficient, long-term growth.
A Comprehensive Risk Audit: A deep-dive review of your shareholder agreements and insurance structures. Our goal is to "disaster-proof" both your company and your home, ensuring your family’s lifestyle is protected against the unexpected.
Tax & Professional Coordination: A strategic bridge between your financial plan and your tax professionals. We collaborate with your accountant to ensure your structure is always optimized.
An Intergenerational Wealth Framework: A dedicated plan for the eventual transition of your wealth. We build the strategy to ensure your hard work is preserved and your success benefits the next generation for decades to come.
Best For: Business owners and incorporated professionals with complex structures.
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Standalone Tactical Analysis
The Engagement: Single-Focus Project
The Focus: A tactical, high-level "second opinion" for those who want a professional check-up without a long-term engagement. This one-time review provides a clear snapshot of where you are today and identifies the immediate "low-hanging fruit" to optimize your path.
The Audit Summary Includes:
Your Current Trajectory: A high-level projection showing exactly where your current habits are trending.
A Quick-Win Action Plan: We identify the opportunities in your personal finances - from maximizing your tax-sheltered accounts to improving your household cash flow and debt structure. You get a prioritized checklist of the most impactful moves you can make right now.
A Professional Second Opinion: A neutral, expert review of your current investments and insurance coverage. We highlight gaps or inefficiencies in your existing setup without the complexity of a full-scale restructure.
A Strategic Pulse Check: A clear signal of your financial health, giving you the confidence to continue as a DIY-er or a clear roadmap for when it’s time to move toward a more integrated planning tier.
Best For: Young Professionals seeking a second opinion without an ongoing commitment.
Learn more about our planning services :
Investment Management
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Choose How You Work With Us
Plan Only: Pay a direct flat fee for your Personal Roadmap, Corporate Blueprint and manage your investments wherever you like.
Plan & Invest: If you have $100,000+ in investable assets and want professional portfolio management, we can introduce you to a registered third-party Portfolio Manager.
How It Works
Independent Account Management: A registered Portfolio Manager handles your accounts and is responsible for all portfolio and trading decisions.
Coordinated Strategy: Fabien Wealth keeps your portfolio synchronized with your overall financial roadmap as your life and goals evolve.
Fee Alignment: Referral fees paid to Fabien Wealth by the Portfolio Manager can cover part or all of your planning fee.
Best For: Individuals and corporate owners who want professional portfolio management paired with strategic CFP® planning. Investing through our Portfolio Manager is always optional, and all fees are disclosed in writing before you commit.
Learn More About Investment Management
Wealth Protection & Risk Audit
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The Focus: A free assessment to identify gaps in how your family and business are protected.
An Estate Continuity Review: We look at your Wills, Powers of Attorney, and Guardianship plans and check whether they still fit your family’s reality or have been outgrown. A lawyer handles any legal updates.
A Survivability Review: A clear look at your numbers. We assess whether your family could maintain their lifestyle and fund future goals after a death, illness, or disability.
A Corporate Exposure Assessment: For business owners, we review the risks to your business and how they connect to your family’s protection.
A Professional Gap Analysis: You leave with a clear summary of your “Exposure Points,” showing which risks need attention now and which can wait as your wealth grows.
The assessment is free. If you choose to put recommended insurance in place through Fabien Wealth, the insurance company pays us a commission, so we benefit financially when you buy. You can act on our findings anywhere, or not at all. Insurance services are currently offered to residents of Alberta and British Columbia.