Independent, judgement-free financial planning built around your income, your goals, and your real life. No products, no commissions, no conflicts — just a plan that's genuinely yours.
See how we work together →
Advice-Only Financial Planning for Your Actual Life
ADVICE-ONLY · FEE-ONLY · VIRTUAL ACROSS CANADA
Any income, any net worth, any level of "I have no idea what I'm doing."
Any starting point
Your income, your goals, your risk tolerance. No two plans here look the same.
Built for you
No products, no commissions, no referral fees. You're the only one paying me, so you're the only one I answer to.
Advice-only
You're good at making money. Nobody ever taught you what to do next.
IF THIS SOUNDS LIKE YOU, YOU'RE IN THE RIGHT PLACE...
You've got a solid income. An RRSP through work you've never really looked at. A TFSA you opened at some point and haven't thought about since. And a quiet, persistent sense that you should be further along than this by now.
None of this means you're bad with money. It means you've been handed an industry built on complexity and commission and asked to sort it out on your own, in your spare time, without ever asking a question that might make you look like you don't already know.
Here, with me, you get the opposite of that. A real conversation, in plain language, with someone whose only agenda is yours. You don't need to arrive with answers — just a willingness to start.
I'll deal with it next year.
It's been on the list for three years. It's still on the list.
I don't trust that anyone's actually on my side.
You've sat across from an advisor before and left just feeling sold to.
There are too many options and I don't know where to start.
You've researched it. Twice. You ended up in a rabbit hole at 11pm and closed the laptop.
I should have figured this out by now.
Every other part of your life looks together. This part doesn't, and it's a little embarrassing to admit out loud.
The financial friend you'd actually call — who happens to do this for a living.
HI, I'M CASSIE ST. AMANT
I started Alluvium because I kept watching capable, smart people land in one of two places: sold something that wasn't right for them, or opted out entirely because money felt like a language nobody had taught them. Neither one sat well with me.
So I built the practice I'd want to walk into. Advice-only means I don't sell products, earn commissions, or take referral fees — there's nothing here I could steer you toward even if I wanted to. You pay me for advice. That's the whole business model, and it's the reason I can tell you the truth about your options.
I'm fluent in the parts most planners skim past: tax efficiencies, the actual difference between an RRSP and a TFSA and when each one matters, cash flow systems that hold up in a real week. And I'll explain any of it as many times as it takes. There is no such thing as a question that's too basic in this practice.
I work with...
Anyone approaching retirement and wondering whether the number they've saved is actually enough.
People who've been quietly avoiding this and want somewhere to start without being made to feel behind.
Business owners with personal and business finances tangled together and an inconsistent income.
Women who earn well and have never had the time or the guidance to make it work harder.
More about me and how I work →
The financial friend you'd actually call — who happens to do this for a living.
HI, I'M CASSIE ST. AMANT
I started Alluvium because I kept watching capable, smart people land in one of two places: sold something that wasn't right for them, or opted out entirely because money felt like a language nobody had taught them. Neither one sat well with me.
So I built the practice I'd want to walk into. Advice-only means I don't sell products, earn commissions, or take referral fees — there's nothing here I could steer you toward even if I wanted to. You pay me for advice. That's the whole business model, and it's the reason I can tell you the truth about your options.
I'm fluent in the parts most planners skim past: tax efficiencies, the actual difference between an RRSP and a TFSA and when each one matters, cash flow systems that hold up in a real week. And I'll explain any of it as many times as it takes. There is no such thing as a question that's too basic in this practice.
I work with...
More about me and how I work →
Anyone approaching retirement and wondering whether the number they've saved is actually enough.
Those who've been quietly avoiding this and want somewhere to start without being made to feel behind.
Business owners with personal and business finances tangled together, and an inconsistent income.
Women who earn well and have never had the time or the guidance to make it work harder.
Three ways in, depending on how much you want to take on right now. Hourly sessions can roll into the full plan if you decide to keep going, so nothing you spend is wasted.
Start small, or start with everything.
Ways to Work Together
Not sure which one fits? That's exactly what the free call is for.
For you if: you've got a plan and you want someone in your corner as life keeps moving.
Plans aren't meant to sit in a drawer. Goals get met, and new ones show up. Jobs change, families change, markets do what markets do. Ongoing support means regular plan reviews and someone to call before you make a big decision — not after.
For everything that happens after the plan.
Ongoing Support
Your whole picture, sorted.
A Full Financial Plan
For you if: you're ready to stop patching individual problems and see how all of it fits together.
We work at your pace through the six areas of financial planning — cash flow, tax strategy, investments, retirement, risk, and estate — and line each one up against what you actually want your life to look like. You end up with a plan built around your goals, and just as importantly, enough understanding of it to make decisions on your own with confidence.
For you if: you've got questions piling up, a decision in front of you, or you just want to test the water before committing to anything bigger.
Book an hour and bring whatever's on your mind. A job change with a pension attached, an RRSP-versus-TFSA question you've been circling... You'll leave with real answers instead of six more browser tabs. If you decide you want the full picture later, these hours roll right into the comprehensive plan.
Ask me anything, an hour at a time.
Standalone
Session
OIl & Gas Professional
— Lindsay G
Working with Cassie completely changed the way I think about money. I was so green I didn’t even know how to buy and sell shares—despite already having a portfolio—and she patiently walked me through those transactions step by step without ever making me feel silly for not knowing. Cassie took the time to understand my situation, explained everything in a way that actually made sense, and gave me a clear, realistic plan moving forward.
I also came to realize that it’s not like when our parents were growing up—simply saving isn’t enough to reach retirement or other financial goals anymore. We need to be more intentional and create additional sources of income, like investing. With Cassie's guidance, I now feel confident, in control, and like my money is finally working for me instead of the other way around.
Kind words from the kindest clients
