Supporting Your Financial Journey, Every Step of the Way
You work hard for your money, so you want to minimize your taxes and avoid risky investments. we get it!
As a family financial advisor, I want you to help you realize your financial dreams! Whether you want to retire early, travel the world, or open your own business, we’re here to help you achieve your goals and learn how your dreams can become a reality.
Financial Planning
Insurance Planning
Specializing in personalized insurance planning to protect your financial well-being. We help you choose the right coverage to safeguard your assets and loved ones, providing peace of mind and security. Trust us to guide you through every step of your insurance journey.
Investment Planning
Investment planning is about creating strategies that align with your risk tolerance and financial goals. Our expert advisors develop customized investment plans to maximize your returns and secure your financial future. Invest wisely with our trusted guidance.
Banking
Our “All-in Banking” and “Advantage Account” services offer comprehensive solutions to manage your finances efficiently. Enjoy benefits like no monthly fees, unlimited transactions, and high-interest savings, designed to help you maximize your financial potential and achieve your goals.
Ryan Douglas, CFP®
Founder | CEO
Ryan is a dedicated Certified Financial Planner who embarked on his financial advisory career in December 2021 with SunLife Financial. After a successful stint with SunLife, he launched Douglas Total Financial Solutions in 2006, driven by a vision to offer more comprehensive and holistic financial advice to his clients.
Specializing in both family and business finances, Ryan is committed to maximizing the effectiveness of his clients’ financial resources. His approach integrates various aspects of financial planning, ensuring that every dollar works efficiently to support his clients’ goals and aspirations.
With a Bachelor of Human Kinetics from UBC, Ryan leverages his academic background to simplify financial concepts and enhance his clients’ understanding of their financial landscapes. This unique perspective helps him provide clear, actionable advice that resonates with clients’ needs.
Outside of his professional life, Ryan enjoys quality time with his wife, Tawny, and their three children. He is an active member of his community, participating in hockey and pickleball, and contributing his time and skills to NorthRidge Church in various capacities.
- Certified Financial Planner™ (CFP®)
News
Keep up to date with the latest news and helpful websites that share important information related to your business and personal financial needs.
TFSA vs RRSP 2025
When looking to save money in a tax-efficient manner, Tax-Free Savings Accounts (TFSA) and Registered Retirement Savings Plans (RRSP) can offer significant tax benefits. The main difference between the two is that TFSAs are ideal for short-term goals, such as saving for a down payment on a house or a vacation, as its growth is entirely tax-free, while RRSPs are more suitable for long-term goals such as retirement. When comparing deposit differences, TFSAs have a limit of $7,000 for the current year, while RRSPs have a limit of 18% of your pre-tax income from the previous year, with a maximum limit of $32,490. In terms of withdrawals, TFSAs have no conversion requirements and withdrawals are tax-free, while RRSPs must be converted to a Registered Retirement Income Fund (RRIF) at age 71 and withdrawals are taxed as income.
How Tariffs Affect Your Wallet: A Canadian Perspective on the US–Canada Trade War
The US–Canada trade war is hitting home, raising prices on everyday goods and shaking the economy. With tariffs on both sides, what does this mean for your wallet? Learn how trade policies impact your cost of living, investments, and financial future.
2025 Financial Calendar
Managing your finances effectively begins with staying informed about important dates and deadlines throughout the year. This comprehensive guide outlines key financial milestones, including tax deadlines, benefit payment schedules, and contribution opportunities, to help you stay organized and on track. Whether you’re planning for tax season, reviewing your investments, or ensuring timely payments, this calendar provides everything you need to navigate the year with confidence. Take a moment to familiarize yourself with these essential details and set yourself up for a smooth and successful 2025.