Independent · Flat-fee · Calgary
Independent, flat-fee financial planning for the way you actually live.
Cedarline is a boutique planning firm for Calgary families and business owners — no products to sell, no commissions, no hidden incentives. Just clear, written advice that puts your interests first.
Independent · Flat-fee · Advice-first · Calgary
How we work
A simple, deliberate way to plan.
Discover
We start by understanding your full picture — goals, cash flow, debts, taxes, and what a good life actually looks like for you. No assumptions, no rushing.
Plan
You receive a clear, written financial plan you can read and understand: retirement, investments, tax, and risk, mapped to real decisions and timelines.
Partner
Life changes — a sale, a baby, a market swing, a new job. We review and adjust together on an ongoing basis, so the plan keeps pace with your life.
What we do
One relationship for your whole financial life.
Planning, investments, and tax — coordinated under one roof, by one advisor who actually knows your situation.
Retirement & income planning
When you can retire, how much you can safely spend, and how to draw it down tax-efficiently.
Investment management
Low-cost, evidence-based portfolios built around your plan — not the product of the month.
Tax planning
Year-round, detail-driven tax strategy: RRSP/TFSA, incorporation, dividends vs. salary, and more.
Estate & legacy
Wills, beneficiaries, and giving — so what you've built passes the way you intend.
Business-owner planning
Coordinating corporate and personal finances, succession, and selling your company well.
Your advisor
Daniel Mensah, Founder & Lead Advisor
I started Cedarline because I was tired of watching good people get sold products dressed up as advice. Because I'm paid only by you — never by a fund company, an insurer, or a bank — there's never a hidden reason behind a recommendation.
I look at your plan and your taxes together — read by the same person, in the same room. After fifteen years advising Calgary families and business owners, I still believe the best plan is the one you actually understand.
- Independent
- No bank, no product shelf
- Flat-fee
- You pay us, never products
- 15 yrs
- Advising Calgary families
What clients say
Quietly, for the long run.
Daniel was the first advisor who didn't try to sell me anything. He just told me the truth about where we stood — and gave us a plan we could actually follow.
When I sold my company, the coordination between the tax side and the planning side saved us a small fortune. Having one person who sees the whole picture is everything.
The flat fee made the difference. I finally trust the advice because I know exactly what I'm paying and that nobody's getting a commission off my decisions.
Straight answers
The questions worth asking any advisor.
You pay Cedarline a flat, transparent fee for planning and a clear, published rate for investment management — and that's it. We never earn commissions, referral fees, or product kickbacks. The only person who pays us is you, which means our advice answers to you alone.
Yours — always, and we'll put it in writing. We act in your best interest on every recommendation, not merely suggest something "suitable." Because we sell no products and earn no commissions, there's no hidden incentive pulling the other way.
We work best with Calgary-area families and business owners who want one trusted relationship for planning, investments, and tax. We intentionally keep our client list small so you get real attention, so we don't impose a hard asset minimum — we look for fit, not account size. The first conversation tells us both whether we're right for each other.
We're compensated solely by the fees you pay us directly — never by selling you products. Many firms still collect commissions behind the scenes; we don't. Charging a flat fee removes those conflicts of interest, so when we recommend (or recommend against) something, you can trust there's no hidden incentive.
It's a free, no-pressure 30-minute conversation. We learn about your situation and what's on your mind, you learn how we work and what we charge, and we both decide whether it's a fit. You'll leave with at least one concrete idea worth acting on — whether or not you ever become a client.
No cost · no pressure
Book a free 30-minute consultation.
We’ll learn about your situation, you’ll learn how we work and what we charge, and you’ll leave with at least one concrete idea worth acting on — whether or not we ever work together.