Unbiased Financial Advice You Deserve

~ Customized Plan ~ Carefully Explained ~ Your Needs Heard ~

You've been told your whole life to go to school and get a good job so you can retire at 65 years old and collect your cushy pension. 

Reality check: cushy pensions and job security rarely exist anymore.

So now you're asking yourself:

  • "Do I have to work forever?"
  • "Do I have to slave away the next several decades before I get to enjoy my freedom?"
  • "Will I be able to spend more time with my kids? "

...on top of all that, you feel like you can't get access to good financial advice because you're not sure if you have enough "assets" to even get an appointment with a good financial advisor. 

Newsflash: It doesn’t have to be this way. Imagine with simple adjustments like increasing your savings rate, or tweaking your investment portfolio, you can retire comfortably off an $80,000 annual income and never have to worry about money again. 

This is what a financial plan will do for you.

The Financial Plan - Your Map

As a fee-only financial planner, we have our clients' interests at heart first and foremost. We do the heavy lifting and go through the nitty-gritty details - but we make sure you understand it all. 

  • Cash Flow Strategy:  Where is your money going? Most people don't see how their money disappears. Imagine how much more you could be saving or how much quicker you can pay off your debts or mortgage? We'll help you find more money so you can reach your goals faster
  • Investment Strategy: Are your investments aligned with your risk tolerance and lifestyle? What are the fees you are paying? A few tweaks in your investment plan could equate to over $100,000 over a lifetime. Let's make sure this is optimized to your goals. 
  • Retirement Strategy: What are you on track for? The last thing you need is to approach retirement and realize you could potentially run out of money! Will your medical expenses be covered? What kind of lifestyle do you want to live? This is the one area where a little bit now goes a long way.  
  • Insurance Strategy: Are there unnecessary policies you're currently in? Is your family protected in the event tragedy or an accident strikes? We believe in mitigating your downside risks. Everything else in life is a bonus. 
  • Tax Strategy: Combined with all the above strategies, we work to minimize your largest bill. Simple things like the order of which you draw down certain accounts will make a HUGE difference. 

Accountability Partner and Coach

Your needs are heard and your concerns are addressed. We help you understand everything in your financial plan so that you can have a peace of mind. 

What are the Benefits of a Financial Plan?

  • A financial plan increases your chance of reaching your financial goalslike early retirement, paying off your mortgage early, or buying a cottage.
  • A plan separates your dreams from reality - instead of speculating and dreaming, you can take the necessary actions to turn those dreams into a reality.
  • See what your financial future looks like so you can make the necessary adjustments and changes now instead of having to adjust your goals later
  • A peace of mind knowing your money is working for you and that you are prepared for life events to the best of your ability. If/when life events hit, the last thing you want to think about is "how am I going to afford for this?" 

"How would a Financial Plan Help Me?"

A financial plan is for you if you want: 

  • A comfortable and secure retirement knowing that you’ll be covered for expenses that you wouldn’t have thought about
  • To build wealth and increase your net worth 
  • Live a life of freedom that allows you to do as you desire 
  • To not work forever!​​

Having gone through hundreds of financial statements from corporate finances to personal finances, I always say there is so much character behind someone’s numbers. Everyone has a story and it's reflected in their financials. Let’s see what you have written and then work together to write the following chapters. You’re in full control.

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"

“Before I sat down with Michelle, I had a base understanding of investments to start building my investment portfolio. However after discussions with Michelle about my investment goals and an achievable savings schedule, I tried a different approach. From Jan – Dec. 2017, I was able to contribute $10,000 in savings, saw a 20% growth in my portfolio and 2.5% reduction in annual management fees. Most importantly, it gave me the financial freedom and confidence to leave my unhappy relationship, move out and furnish my own place, take up boxing, pursue a designation, and rebuild my happiness.” 


Diana H. 

"

“Michelle helped me really understand how much my bank was taking from my portfolio in fees. When I first saw 2.3% I thought to myself 'that's nothing! Wow so cheap to have someone look after my portfolio for me all year around!' Michelle walked me through how easy it was to manage my own portfolio and how low the fees are for ETFs. I had no idea fees can be as slow as 0.2%. Crunching the numbers I saw that the following year I saved over $4,400 because of the lower fees. My bank would only re-balance my portfolio up to 4 times a year and now that I do this myself I've found it only takes a couple of hours per year and it's very simple. My only regret with managing my own portfolio is not starting sooner. Thanks Mich!" 


Sarah C.

What you get 


  • Initial Call: Let's get to know each other a bit and see if I am the right person for you. ​​
  • Call #2: The Brain Dump: All about you! Tell me your story, what you're struggling with, your fears, and where you want to be ($200 value)
  • Assessment of current financial situation: Where are you headed?
  • Review: Statements/policies/portfolios with feedback and analysis ($1200 value)
  • Cash Flow Plan: I help you create a stress-free spending plan that 1) finds more money for you, and 2) allows you to spend freely without getting bogged down by traditional budgeting nitty-gritty details
  • Full financial plan: How you will be reaching your financial goals with recommendations and action steps including investment, retirement, insurance, and tax planning strategies ($2,000 value)
  • On-going progress check: Use your interactive client portal to keep track of your progress, from net worth to cash flow. View your projections to see where you are headed and what your options are to meet those goals ($500 value)
  • Unlimited calls/emails during this process: Got questions or concerns? Never feel like you can't ask a question because you may feel it's "dumb". This is part of the learning process and as an education platform, there are no judgments here.

Note: The Sassy Investor does not provide investment advisory services, including stock advice or recommendations. We are an education platform engaged in the services of educating and facilitating individuals in the areas of financial planning.  


*BONUSES*


  • Lifetime access to the Sassy Academy, including all four main courses and any new additions ($2,000 value)
  • Copy of The Sassy Money Planner with FREE shipping ($30 value) 
  • Copy of The Sassy Investor: Investment Workbook with FREE shipping ($40 value)

TOTAL VALUE INCLUDING ALL BONUSES:
+$6,770

Flexible Pricing Options

option #1

One-time payment

Total $2195

(save $300)



Optional: After six months, 

$50 per month for:

  • Continued access to client portal
  • Unlimited updates and changes to your financial plan (life happens and we want to make sure your plan is updated and reflective of those changes)
  • Unlimited support via email or phone
  • Cancel anytime*
option #2

$497 upfront

plus

 six monthly payments of $333

Total $2495


Optional: After six months, 

$50 per month for:

  • Continued access to client portal
  • Unlimited updates and changes to your financial plan (life happens and we want to make sure your plan is updated and reflective of those changes)
  • Unlimited support via email or phone
  • Cancel anytime*

*If you cancel and reactivate your portal and services, you will be subject to a $75 reactivation fee. 

Who am I?


Hey, I'm Michelle Hung,  founder and author of the self-titled book, The Sassy Investor. My mission is to empower as many people as possible, to take control of their finances and teach them how to build a lifetime of wealth. I've spent over 10 years working in finance, from investment banking, venture capital, to now personal finances and financial education.


 You may have seen me lurking around in Canadian Money Saver Magazine, as a contributor, doing webinars for Questrade, or providing fun videos for Cleo on Tik Tok (spreading financial literacy to Gen Z!). To date, I've taught people how to invest over $1.1 million of their money and save on average $9,000 per year. 

Questions? 


  • It's a big investment, how do I know if we can work together? We will always start off with a call to see if we are a right fit for each other.
  • I’m not sure if this is right for me. Should I do this? When it comes to your financial goals, those with a financial plan are more likely to achieve them. The younger you start organizing your finances and planning for your future, the less work it becomes later on, and less regret you'll have. If there is one common thing I hear among retirees or those that are near retirement, it's "I wish I had started earlier".
  • Do I have to pay the recurring $50 monthly subscription after my plan has been delivered?  Nope! It's entirely up to you if you want to continue using the client portal and our services thereafter. If you cancel and choose to come back for a plan update, your data will still be there. 

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Disclaimer: The Sassy Investor does not provide investment advisory services, including stock advice or recommendations. The Sassy Investor is an education platform and financial coaching company engaged in the services of educating and facilitating individuals in the areas of financial planning.

Articles, commentaries, presentations, investment plans and other content provided by The Sassy Investor on or through the Website are for illustrative or educational purposes only and do not constitute investment, legal or tax advice, or an offer to buy, sell or hold any security. Forecasts or projections of investment outcomes in investment plans are estimates only, based upon numerous assumptions about future capital markets returns and economic factors. As estimates, they are imprecise and hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Diversification does not ensure a profit or protect against a loss in a declining market. There is no guarantee that any particular asset allocation or mix of funds will meet your investment objectives or provide you with a given level of income. Investing entails risk including the possible loss of principal and there is no assurance that the investment will provide positive performance over any period of time.