Wealth Starts With a Plan. Legacy Starts With You.
Financial planning for first-generation wealth builders who are ready to grow with confidence
Meet Your Advisor
I didn’t start my career in an office. I started on the field as an offensive lineman in the CFL. In that world, my job was simple: protect my teammates and put the team’s success before my own.
My perspective on wealth is personal. As a first-generation Canadian born to Haitian immigrants, I saw firsthand what it takes to build a foundation from nothing. I learned early that money isn’t just a number; it’s the security and legacy you create for the people who matter most.
I’ve gained experience across every level of the financial landscape. From the rigid structures of a major bank to the specialized environment of a boutique wealth management firm. Navigating these different worlds led me to a critical realization: the industry’s most effective frameworks were often locked behind a door that only opened for those who had already arrived. I saw that high-level, comprehensive strategy remained a privilege reserved for the established few.
Today, I’m a first-gen wealth builder myself. I built Fabien Wealth to bridge this gap. I realized that the industry needed a new framework—one that provides the same caliber of dedicated guidance and strategic oversight to those building wealth today as it does for those who have already arrived.
My mission is to provide the high-level strategy you deserve throughout your journey, supporting you as you navigate the unique complexities of out-earning your upbringing and securing your family’s legacy for tomorrow.
Kirby Fabien, CFP®
Is This You?
Fabien Wealth is built for ambitious professionals who are writing their own financial story.
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 are seeking an objective second opinion or a long-term strategic partner, our solutions are designed to scale with your needs.
We offer specialized Fee-for-Service Planning, Integrated Investment Management, and Strategic Wealth Protection.
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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 & Investment Architecture: 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.
Comprehensive Financial Planning
Our minimum annual fee for ongoing advisory is $2,500; this fee is subject to increase based on the complexity of your family’s situation.
Integrated Portfolio Strategy
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The Integrated Solution
The Engagement: Continuous Strategic Oversight.
The Focus: A managed investment solution executed by a Third-Party Portfolio Manager (PM), fully integrated with your broader financial strategy.
Key Deliverables:
Institutional-Grade Management: Professional portfolio execution, including rebalancing and tax-loss harvesting, handled by a dedicated PM.
Strategic Oversight: Continuous monitoring of your accounts to ensure they remain perfectly synced with your evolving plan.
Integrated Planning:Full access to all strategic planning deliverables (Personal or Corporate) included within the advisory fee.
Best For: High-performers seeking professional investment execution paired with comprehensive financial planning
Ask about the Blended Model during your consultation to see if your comprehensive financial planning strategy can be covered by your ongoing investment management.
Wealth Protection & Risk Audit
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The Focus: A complimentary assessment to identify vulnerabilities in your ability to build & protect your wealth.
An Estate Continuity Review: We discuss the current state of your Wills, Powers of Attorney, and Guardianship plans. We identify if your legal documents actually reflect your family’s reality or if your protection has been outgrown.
A Risk Audit: A cold, hard look at your "survivability" numbers. We determine if your family could maintain their lifestyle and fund future goals in the event of death, illness or disability.
A Corporate Exposure Assessment: For business owners, we review the risks to your business to make sure that your business and family are protected.
A Professional Gap Analysis: You leave with a clear understanding of your "Exposure Points", clarifying which risks need immediate attention and those that can be managed as your wealth grows.
There is no out-of-pocket fee for this assessment. If a protection need is identified and you choose to engage us for implementation, we are compensated via standard commission from the insurance provider.