Brian Poncelet, CFP® — Independent Financial Planner in Mississauga
Some people want an advisor who picks investments. Most successful professionals need something more: someone who looks at the whole picture, from taxes and cash flow to insurance, retirement, and the legacy they leave behind.
That’s the work Brian Poncelet has done for more than 27 years. As a Certified Financial Planner (CFP®) and the founder of Plan Your Future, Brian helps professionals, business owners, and self-employed families across Mississauga and the GTA turn a good income into lasting wealth.
Who Is Brian Poncelet?
Brian Poncelet is an independent Certified Financial Planner based in Mississauga, Ontario, with more than three decades in the Canadian financial services industry. He is the founder of Plan Your Future, where he serves as lead advisor to executives, CEOs, incorporated professionals, and business owners.
His career has been built around one idea: financial planning should make life simpler, not more complicated. Many of his clients arrive with an accountant, a banker, an insurance policy or two, and a handful of investment accounts, but no one connects the pieces. Brian’s role is to bring those pieces together into one clear plan.
Over the years, Brian has also helped business owners design better employee benefits, including Health Spending Account alternatives to traditional group plans, and has provided insurance solutions through Right Insurance.Areas of Expertise
Brian’s planning is built on four pillars:
Tax Efficiency
Practical strategies to reduce the tax you pay today and in retirement, including the salary-and-dividend mix for incorporated owners, RRSP and TFSA planning, and tax-smart retirement withdrawals.
Cash Flow Management
A clear view of what comes in, what goes out, and what is left to build wealth, so your plan is based on real numbers rather than guesswork.
Asset Protection
Life, disability, and critical illness coverage, structured so that one unexpected event doesn’t undo years of progress for your family or your business.
Retirement Architecture
A custom roadmap for when you can retire, how much income you can count on, and the order in which to draw from your accounts.
The Wealth Positioning Process™
Every client relationship follows the same disciplined approach, which Brian calls the Wealth Positioning Process™. It starts with understanding where you are today and where you want to be. From there, each recommendation, whether it involves taxes, investments, or insurance, is measured against that plan. Nothing is sold in isolation.
Why Clients Choose an Independent Planner
Independent Advice
Plan Your Future is not owned by a bank or tied to one company’s products. That means recommendations are chosen for your situation, not for a sales target.
Transparent Fees
Brian believes trust starts with honesty about cost. You’ll know how he is paid and what you’re paying for before you make any decision.
Education First
Brian regularly hosts retirement planning seminars in Mississauga, including sessions at Sheridan College’s Hazel McCallion Campus, and shares practical advice through his blog and videos. Clients understand why a strategy makes sense, not just what to do.
Who Brian Works With
- Incorporated professionals, including physicians, dentists, pharmacists, engineers, and consultants
- Business owners planning for growth, succession, or a future sale
- Executives and CEOs with complex compensation
- Self-employed individuals and their families
- Pre-retirees who want to know whether they are on track
Brian serves clients in Mississauga, Oakville, Burlington, Milton, and throughout the Greater Toronto Area.
“Financial success is not a destination; it’s a well-protected journey. My goal is to ensure you arrive exactly where you intended.”
Brian Poncelet, CFP®
Frequently Asked Questions
Is Brian Poncelet a Certified Financial Planner?
Yes. Brian Poncelet holds the Certified Financial Planner (CFP®) designation, one of the most widely recognized financial planning credentials in Canada. He has more than 27 years of experience in the Canadian financial services industry.
Where is Brian Poncelet located?
Brian is based in Mississauga, Ontario, and works with clients across the GTA, including Oakville, Burlington, and Milton. Meetings can take place in person or virtually.
What does Brian Poncelet specialize in?
Brian specializes in retirement planning, tax efficiency, cash flow management, and asset protection for professionals and business owners. His work centres on building one coordinated plan instead of separate, disconnected products.
Is Plan Your Future Independent?
Yes. Plan Your Future is an independent financial planning firm and is not tied to any single bank or product provider. This allows Brian to recommend solutions based on each client’s needs.
How do I contact Brian Poncelet?
You can email Brian at brian@planyourfuture.me or call (647) 277-2758. You can also book a consultation directly through the website.
Let's Talk About Your Plan
If you’ve built a successful career or business but aren’t sure your finances are working as hard as you are, a conversation is the best place to start. Brian will listen first, ask the right questions, and show you where the biggest opportunities are.