Aware Financial
Aware Financial is a fee-only financial planning firm in Calgary specializing in retirement income planning for Canadians over 50, focusing on tax minimization, CPP/OAS optimization, and creating personalized retirement strategies. Hervin Pesa, CFP, offers flat-fee retirement cla
- Emphasis on tax & financial planning
- Free initial consultation
- Remote / virtual meetings
- 55 client reviews (5.0★ average)
Strong fit for tax & financial planning.
Aware Financial is a fee-only financial planning firm in Calgary specializing in retirement income planning for Canadians over 50, focusing on tax minimization, CPP/OAS optimization, and creating personalized retirement strategies. Hervin Pesa, CFP, offers flat-fee retirement clarity consultations via Zoom or in-office with no minimum asset requirements or pressure to transfer assets.
Initial consultation is free — use it to assess fit before committing
Reflects how complete and verified this listing is on ABSeniors — review volume, recency, website review, office, and funding info. Not a quality rating of the provider.
What they're known for.
Summarized from the provider's own website. Verify specifics when you contact them.
Who this may be right for.
Good fit for
- Pre-retirement and retirement planning for those 2–10 years from retiring
- Couples navigating joint retirement goals and estate considerations
- DIY investors seeking an unbiased second opinion without being sold products
Ask first if
- Operates on a fee-for-service model, not commission-based, so no product sales pressure
- Commission-based bank advisor to objective fee-only planning
A calmer first step.
Brief phone conversation
Share what is happening, who needs care, and whether the need is urgent or exploratory.
Care needs and schedule review
Discuss mobility, memory, safety, meals, personal care, household help, and preferred visit times.
Caregiver matching
The team looks for fit based on care level, personality, language preferences, and comfort.
Start small, adjust as needed
Many families begin with shorter visits, then adjust the plan as the senior becomes comfortable.
Serving Calgary families.
Calgary, AB
In their own words.
“Hervin helped us greatly in bringing focus to our financial goals, and facilitating the conversations about where we wanted to be in the future. Thank you for your help Hervin!”
Excerpts from public Google reviews. See all reviews on the provider's Google listing.
Compare with similar Calgary providers.
| Provider | Reviews | Rating | Best for |
|---|---|---|---|
| Aware Financial · this provider | 55 | 5.0 | Tax & Financial Planning |
| Property Law Firm CB LLP (MacKay Real Property Law) | 1229 | 4.9 | — |
| Property Law Firm CB LLP | Calgary South | 544 | 5.0 | — |
| Summit Legal Group | 525 | 4.9 | Wills & Estates |
| Kahane Law Office | 513 | 4.5 | Wills & Estates |
| Clark & Clark Lawyers | 504 | 4.9 | Wills & Estates |
Based on Google review counts and ABSeniors data for legal & financial in Calgary. Verify current details with each provider.
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Get my top matches →Questions families actually ask.
What type of financial advisor is Hervin Pesa and how does he charge? +
Hervin Pesa operates on a fee-for-service model, meaning clients pay directly for advice rather than through product commissions. Multiple reviewers specifically chose him to avoid being sold financial products they did not need.
Is there a free initial consultation available? +
Yes, Aware Financial offers a free initial one-hour consultation. Reviewers note that Hervin uses this time to genuinely understand your situation and determine whether paid services would add value for you.
What topics does a financial plan from Aware Financial typically cover? +
Plans go beyond basic investment reviews to include retirement income projections, tax-efficient withdrawal strategies, insurance needs, and end-of-life planning. Reviewers also note that Hervin explores personal life goals such as travel and housing to shape the plan.
Is Aware Financial a good fit for couples who already manage their own investments? +
Several DIY investor couples have found strong value in working with Hervin to validate their strategy and identify blind spots they had not considered on their own. He is noted for not pushing a one-size-fits-all approach and adapting plans to each couple's distinct goals.
How responsive is Hervin Pesa between meetings? +
Multiple reviewers highlight that he is easy to reach and responds promptly, noting they do not have to chase him down for answers. This accessibility is consistently mentioned as a standout aspect of working with him.
Can Aware Financial help if a major life event has disrupted existing financial plans? +
At least one reviewer, a professional accountant, engaged Hervin specifically after an unexpected life event threatened their family's financial future, and found he identified weaknesses and built a revised, tax-efficient plan. Reviewers indicate he is comfortable working through both planned and unplanned financial transitions.
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