Aquafinancial Consulting Inc is a professional financial consulting firm offering a wide array of financial services to individuals and businesses around Calgary, Alberta. With a solid leadership and dedicated personnel, our company has been able to stand the test of time in offering cutting edge services to our clients. Award Winning Advisor with over 27 years of financial services experience focusing on financial planning, wealth accumulation and protection for families and business owners. Being an accomplished entrepreneur has enabled me to help business owners and families achieve their financial goals. My international and banking background also uniquely positions my organization to identify strategies that maximize wealth and create tax efficient solutions.

Business Owners

Strategies to help increase your personal cash flow, keep key employees and protect your business.

Insurance

Peace of mind for you and your family. Taking care of what matters most.

Investments

Grow your wealth. Feel confident in your finances.

Estate Planning

Customized strategies for inheritance, wealth transfer and succession to protect your loved ones.

Latest News

Estate Planning for Business Owners

What happens when the children grow up and they are no longer dependent on their parents? What happens to your other "baby"- the business? Estate planning for business owners deals with the personal and business assets.

2022 Federal Budget Highlights

On April 7, 2022, the Federal Government released their 2022 budget. Our article contains highlights of the various financial measures in this budget, divided into these sections: • Housing • Alternative minimum tax • Dental care • Small businesses • Tradespeople • Canada Growth Fund • Climate • Bank and insurer taxes

2021 Income Tax Year Tips

It’ll be time to file your 2021 taxes soon, and you must take advantage of every tax credit and deduction that you can. Our article includes information on a variety of subjects you need to know about, including what to do if you’ve had to repay COVID-19 benefits, how to plan ahead if you’re self-employed or retiring soon, and what you need to know if you have a home office or employer-provided benefits.

Self Owned vs. Bank Owned Mortgage Insurance

Before buying insurance from your bank to cover your mortgage, please consider your options. What does the insurance cover?

Group Retirement Benefits

Working at an organization that offers a pension plan is one of the greatest financial advantages a Canadian can enjoy. Pension plans are designed to provide retirement income and help employees reach their retirement goals and for business owners- help retain key employees.

2022 Alberta Budget Highlights

On February 24, 2022, the Alberta Minister of Finance announced the 2022 budget. We have highlighted the most important financial measures you need to know, with an emphasis on: • Increasing the capacity of the healthcare system • Supporting Albertans to get back to work • Committing to the fiscal plan Budget 2022 includes no changes to personal or corporate tax rates.

TFSA versus RRSP – What you need to know to make the most of them in 2022

TFSAs and RRSPs can be significant savings vehicles. To help you understand their differences, we have put together this article to compare: - TFSA versus RRSP - Differences in deposits - TFSA versus RRSP - Differences in withdrawals Understanding the differences between these two types of tax-advantaged accounts can help you better plan for future purchases and your eventual retirement.

2022 Financial Calendar

Looking for an "at a glance" document covering all the important dates you need to know to stay on track with your financial planning in 2022? Our 2022 financial calendar (which you can easily bookmark or print out) makes sure you're always in the loop! It lists important dates, including: • Payments dates for the Canada Child Benefit, CPP, OAS, and the GST/HST credit. • When TFSA contribution room starts again. • Tax filing deadlines. • Charitable contribution deadlines and the last day to contribute to registered investment accounts. • When the Bank of Canada interest rate announcements are.

2021 Personal Year-End Tax Tips

The end of 2021 is quickly approaching – which means it’s time to get everything in order, so you’re ready when it comes time to file your taxes. We’ve broken this article into the following sections to make it easy to find the tax tips you’re looking for: • Individuals, including details on COVID-19 benefits and important tax credits. • Investment considerations, including how to best contribute to TFSAs, RRSPs, and RDSPs. • Families, including how to claim childcare expenses and make the most of RESPs. • Retirees, including essential details about applying for CPP and OAS.

2021 Year-End Tax Tips for Business Owners

We’re approaching the end of the year, so it’s time to review your business finances. We’ve put together an article highlighting the most critical tax-planning tips you need to know as a business owner. We’ve focused on: • How to determine the right salary and dividend mix. • The best ways to handle compensation. • How to make sure you can take advantage of the small business deduction. • What you need to know about depreciable assets and charitable donations. • How to make the most of Covid-19 relief programs.

Client Appreciation

Walè knows how to make money work for his clients. Wale is passionate about investing, with his advice I now confidently watch my investments grow.

Walè is my trusted advisor and has never steered me wrong. I haven’t lost money. I’ve consistently made money – steady and conservatively – even during the downturn.