https://www.thefinancialhandyman.ca/home daily 1.0 2022-06-01 https://www.thefinancialhandyman.ca/about daily 0.75 2025-06-16 https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1635366322591-TP84E3XWO6XLUHD6ZW3Q/0101978A-667C-4C0A-ABD0-BED7F7671129.jpeg About My Story: Why I Became The Financial Handyman After more than 25 years in financial services, I grew increasingly unsettled by how money often disempowers people—causing anxiety, stress, and sleepless nights. Time and again, I saw clients with genuine questions receive answers only in the form of product pitches. The industry seemed more focused on sales than on solutions. I worked with clients facing debt, poor credit habits, unclear retirement goals, and a deep mistrust of financial advisors. Many were confused about savings options, tax tools, or estate planning, and didn’t know where to turn for clear, unbiased guidance. When I helped clients rebuild financial confidence in ways tailored to their unique needs, I found myself pushing against an industry built on product-driven incentives. In 2014, I became a fee-only, advice-only Financial Planner so I could do things differently—putting the client’s needs first, always. Free from commissions or product sales, I began offering holistic financial advice built on education, behavioral change, and practical, real-world reasoning. Bridging the Gap: The Birth of The Financial Handyman Over time, I noticed a major gap in financial planning services: most firms offered only comprehensive, long-term plans, leaving people with smaller, immediate issues behind. That’s when the idea for The Financial Handyman took shape. Just like a handyman is there for quick, skilled help—not a full home renovation—I created a way to offer targeted financial advice for everyday problems. Whether it’s debt, cash flow, retirement questions, or navigating a tax concern, I bring the right tools to get the job done—efficiently, affordably, and with zero product sales. Honest Help, No Strings Attached Not everyone needs a full financial plan. Sometimes you just need an expert who can cut through the noise and solve a specific financial issue without pushing a product or locking you into an expensive package. That’s what I do. I’m here to offer clear, unbiased advice, tailored to your real needs—whether it’s a quick fix or a deeper financial reset. https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/2b138b19-e39b-4aaa-bfe4-ee168dac9208/20140301_Trade+151_0124+1.jpg https://www.thefinancialhandyman.ca/how-i-work daily 0.75 2025-06-03 https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1635372809536-58GA29U96N0AR4JIWU8O/9D7FD0C4-258E-4DF5-8FC7-9C157A2658FC.jpeg How I work Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park. https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1637628138138-SOS1O7W4QEYQRU9SY5YJ/unsplash-image-LNzuOK1GxRU.jpg How I work - Transparent, Fee-Only Financial Advice You Can Trust I am compensated exclusively through my fees—with no hidden commissions or product sales involved. Unlike many in the industry, I do not manage investments on your behalf, nor do I receive referral fees from any product providers I might recommend. This ensures my advice is completely unbiased and focused solely on your best interests. As a Certified Financial Planner™ (CFP®), I adhere to strict Professional Standards and a rigorous Code of Ethics, ensuring integrity and accountability in every client relationship. Since I am no longer licensed to sell securities, the investment advice I provide is general and educational in nature, including: Assessing your risk tolerance and appropriate asset allocation Reviewing investment fees and platforms Offering product analysis and guidance Providing investment education and DIY investing tips I do not offer individual security recommendations (such as “buy” or “sell” of specific stocks or bonds), nor do I manage your investments directly. My goal is to empower you with the knowledge and tools to make informed investment decisions that fit your unique situation. https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1638403319922-4SSE6Z6GWGT02KJ9AYD1/unsplash-image-Az509kL0QHk.jpg How I work - Typical Clients have had… Common Financial Challenges and Goals We Help You Solve Struggling to pay off debt efficiently and reduce financial stress Managing cash flow and budgeting for a more secure financial future Seeking to improve your knowledge of investments, insurance products, and debt instruments Looking to lower investing costs or build a do-it-yourself (DIY) investment portfolio Feeling uncertain about how to best use retirement savings tools like RRSPs and TFSAs Wondering if you are truly prepared for retirement and how to improve your readiness Making important decisions about when to start collecting pensions for maximum benefit Planning to purchase your first home and want financial guidance to make it happen Exploring tax-efficient strategies for withdrawing funds from your RRSPs Supporting adult children with their own financial plans and goal-setting Working with the same bank or advisor for years but seeking an unbiased, second opinion without sales pressure Confident in managing your own finances but wanting a professional review or someone to brainstorm ideas with Needing guidance and support during major life changes like marriage, having children, or retirement, and understanding the financial impact Single professionals looking for a trusted financial partner to consult with regularly Earning a solid household income but feeling stuck and unsure how to achieve your financial goals https://www.thefinancialhandyman.ca/contact daily 0.75 2022-03-24 https://www.thefinancialhandyman.ca/services daily 0.75 2025-06-16 https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1637100783366-4C480RP9JTS2NXYEEH7L/unsplash-image-LEgwEaBVGMo.jpg Services - Jump Start (Best for New Clients) $425 1 x Session Includes: 1 x 90 minute financial planning session Meeting summary and action steps Concentration on up to 3 areas of need or interest Direction to future services, if needed Attention to any identified shortcomings or gaps https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1638403797864-89HFP2S3GEUW1DSI0EFN/unsplash-image-V9qc-JVKIBo.jpg Services - Jumpstart Goals I have found that many pressing questions can often be answered in short order. The financial services industry is a complicated world. My objective is to be as useful as I can be in our time allotted. I am there to educate, provide a qualifed second opinion, overcome financial hurdles and to ultimately assist you in being the best financial consumer you can be. I address the large gap in the financial services industry. Not everyone wants, needs or can afford, a full financial plan. I offer unbiased, affordable, solutions-based advice without having to purchase a product or more services than desired. I am here for the people who would like the burger without the fries and drink. https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1647986244001-Q0L8W7FLJHKCPAZU2NZ8/unsplash-image-eWqOgJ-lfiI.jpg Services - Returning Clients For those clients who are returning, who have already engaged my services in the past, you do not need to register for a Jumpstart. Either send me an email through my contact page or if you would like to arrange a meeting, then proceed to the Book-a-Call page. Depending on what you require my services for, I will quote you for the estimated time it will take me to complete the job at hand. My quote is based on a hourly rate for the time required for meeting preparation, research, analysis, recommendations and post work summary). All estimates are based on a best efforts basis. Requesting a call could be simply about wishing to have an update meeting regarding our last contact OR it could be for a completely different purpose. If you would like some ideas of how I can assist you then visit my “Discussion Ideas” page https://www.thefinancialhandyman.ca/book-a-call daily 0.75 2022-04-22 https://images.squarespace-cdn.com/content/v1/6089e6196fb512043c642383/1642638862000-EU25MS4NNOIHZFIZPPV9/unsplash-image-dZ7O2o-yHUY.jpg Book a Call - Make it stand out Whatever it is, the way you tell your story online can make all the difference. https://www.thefinancialhandyman.ca/example-of-discussion-topics daily 0.75 2025-05-27 https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1618497259178-6XJGK9GR6YAVBQL5L519/20140301_Trade-151_012-2.jpg Discussion Ideas https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694583486-2PQT0LQ193RL7MCB6DX4/20140228_Trade+151_0046.jpg Discussion Ideas https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607694644871-IC85FNH781UNZSZEGHDR/Aro+Ha_0428.jpg Discussion Ideas https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607638148090-Y6OFDI575CM3NQV732RJ/Large+JPG-Aro+Ha_0387.jpg Discussion Ideas https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1607628784608-5D22G9GPLHDSAB2IXC2G/Large+JPG-Aro+Ha_0638.jpg Discussion Ideas https://images.squarespace-cdn.com/content/v1/5ec321c2af33de48734cc929/1589847743861-GWVMBPD7Z7WQRQL9IZZ8/Large+JPG-Aro+Ha_0380.jpg Discussion Ideas