The Family Money Plan
Build your household's one-page money plan live: income, fixed costs, fun money, and a debt payoff order.
90 minutes · online
Free discovery sessions · Serving Canadian families
Clarity for your money.Confidence for your family.
Delton Financial Inc. helps families build calm, practical money plans — budgeting, debt, savings and protection — in plain language. No jargon. No products to sell. Just a counsellor in your corner.
4.9/5 average from the families we counsel
- Years of counselling
- 15+
- Years of counselling
- Families guided
- 350+
- Families guided
- Average family rating
- 4.9★
- Average family rating
- Commission-free coaching
- 100%
- Commission-free coaching
BudgetingDebt freedomRESP & educationRetirement readinessInsurance reviewMoney conversationsLife transitionsLegacy planning
About us
Financial planning that starts with your family, not a product.
Most money advice starts with what you should buy. We start with how you live — the daycare bill, the car that needs replacing, the debt you stopped mentioning at dinner. Real family finance is behaviour, priorities and honest conversation.
Your Delton counsellor maps where every dollar goes, untangles what is owed, and builds a step-by-step plan your whole household can keep. We teach. We coach. We cheer you on at the quarterly check-ins.
Judgement-free. Every money story is welcome — debt, divorce, layoffs, or just chaos.
Plain language. We translate finance into decisions you can make tonight.
Whole-family view. Both partners and older kids sit in — money is a team sport.
“We measure success in calmer kitchens, clearer Sundays, and kids who know what a budget is for.”
— The Delton counselling team
Private & confidential. Private & confidential — nothing you share is ever sold or repeated.
Workshops
Learn it together, in one sitting.
Small-group workshops led by Delton counsellors — plain language, real examples, and a worksheet you actually use. Hosted online and in Ottawa.
Debt Freedom Sprint
The exact order of attack for cards, lines of credit and loans — plus when a consumer proposal genuinely fits.
75 minutes · online
Money Talks with Kids
Age-by-age scripts for allowances, saving jars and 'can we afford it?' — without turning dinner into a lecture.
60 minutes · in person, Ottawa
RESP & Education Savings 101
Grants, timelines and realistic saving rhythms for your child's schooling — from newborn to near-graduate.
60 minutes · online
Workshop dates are announced in our newsletter and on Events. Want one for your workplace or community group? Just ask. Ask about a private workshop →
Events
What's coming up — join us
Free intro sessions and paid workshops. Small groups, zero sales pressure, bring your questions.
Calendar details are placeholders — swap in real dates whenever you're ready.
What we do
One counsellor for the whole money picture.
Each service is education and coaching — delivered in your living room language, paced to your life. If you ever need a licensed product specialist, we refer you to one we trust. No referral fees. Ever.
01
Family budgets & cash-flow
See exactly where your money goes and design a spending plan with room for both the bills and the fun — guilt not included.
Great starting point for every family
02
Debt freedom roadmap
A clear order of attack for credit cards, lines of credit and loans, plus honest education on options like consumer proposals.
We start where you are — no shame
03
Retirement readiness
Understand what you've saved, what you'll need, and the gap between them — taught simply, so the future stops being scary.
Education, not investment advice
04
Education & RESP guidance
Make the most of grants like the CESG and build a realistic saving rhythm for your kids' schooling — from day one to diploma.
For newborns to near-graduates
05
Protection & insurance review
A plain-language look at what coverage your family actually needs, so a crisis never becomes a financial disaster.
Reviewed with you; sold by no one
06
Legacy & life transitions
Marriage, separation, inheritance, illness, loss — the moments money gets emotional. We help you decide clearly when it counts.
Compassionate support for hard seasons
Every session is education and coaching — we don't sell investments, insurance or products.
How we work
A calm path from “where do we start?” to a plan you keep.
- 01
First conversation
A free 30 minutes. You tell your story and your worries; we listen, then tell you honestly whether we can help.
- 02
Money snapshot
Together we map income, spending, debt and savings onto one honest page. Most families see the problem clearly within a week.
- 03
Your roadmap
Priorities, order of operations and a written plan in plain language — built around your paydays, not a product brochure.
- 04
Family check-ins
A quarterly rhythm keeps the plan alive as life happens — raises, babies, moves, setbacks. We adjust together.
Most families leave their first paid session with a written plan. Progress is reviewed every 90 days.
Family stories
What families say after the fog lifts
“We came in with two lines of credit, a car loan and zero idea where the money went. Eighteen months later we're debt-free except the mortgage, and date night includes a budget meeting — it's weirdly fun now.”
FAQ
Questions families ask us first
Still wondering about something?
Ask us anything — no commitment, no follow-up calls unless you want one.
hello@deltonfinancialinc.caAdvisors typically manage money or sell products. We do neither. Delton counsellors educate and coach: budgets, debt strategy, savings habits, and the order of operations for your goals. When a licensed specialist is genuinely needed, we refer you to one — no referral fees, ever.
No. We are paid only by our clients, for our time. There is no product, fund or policy behind any recommendation we make — which is exactly why the advice stays honest.
Your first discovery session is free. After that, pricing is per session or a monthly retainer, always agreed in writing before we begin. No long-term contracts and no surprises — if money is the reason you're nervous about money help, we get that.
Especially then — that's our most common starting point. We begin with a judgement-free snapshot, then lay out your options in order, including when a consumer proposal or credit counselling agency genuinely fits. You'll never be pushed; you'll always know the next step.
We teach the framework — how much to save, which accounts do what, and what to ask a professional — but we don't execute trades, pick stocks, or file returns. We coordinate with your accountant or advisor when your plan needs them.
Completely. What you share stays between your family and your counsellor. We never sell data, and we only use anonymised, aggregated numbers to improve how we teach.
Start here
A calmer financial life starts with one conversation.
No obligation, no product pitch — just a counsellor who listens. Bring the numbers you have; bring the questions you've been avoiding. We'll take it from there.
Usually replies within one business day.