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About my services

Ziad Sahuri, CFP®, is a fee-only, advice-only financial planner and founder of Providential Financial Planning. He works with Canadians age 50+ who are approaching retirement or already retired and want independent advice on turning their savings into sustainable, tax-efficient retirement income. He specializes in retirement and decumulation planning, CPP and OAS optimization, RRSP, RRIF and TFSA withdrawal strategies, pension analysis, and retirement income planning. Many clients come to him with questions such as: Can I afford to retire? How much can I safely spend? When should I start CPP and OAS? How can I reduce taxes and avoid unnecessary OAS clawback? Ziad has worked in the Canadian financial services industry since 2012 and earned the CFP® designation in 2016. He works virtually with clients across Canada and provides clear, unbiased advice without investment management, product sales, commissions, or conflicts of interest.

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Advisor Verification

Client-First, Advice-Only Professional

This advisor provides fee-only, non-commissioned financial planning and is bound by professional standards requiring that client interests come first. While Canadian law does not assign a statutory fiduciary designation to advice-only planners, this advisor follows obligations and practices consistent with fiduciary-style conduct.

✓ Advice-Only Verified
Member Since: 06/26
✓ No Commission Products