Financial Planning & Wealth Management for Corporate Executives & Cross-Border Canadians

Whether you are a high-achieving corporate executive with limited time to manage what you have built, or a Canadian living in the U.S. or considering the move to the U.S., Wealth IQ delivers holistic, tax-efficient financial planning built around your life. And because how you think about money matters as much as how you manage it, we bring a behavioral finance lens to everything we do. Check out our in-house money-mindset assessment below.

Free Money Mindset Assessment
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30-Minutes

Comprehensive Financial Planning

Financial Planning services at Wealth IQ

Our Comprehensive and holistic approach helps you design a financial roadmap that balances your life aspirations with your financial needs.  

See the 12 areas we cover →

Investment Management

Investment Management services at Wealth IQ

Portfolio Management tailored to your needs. Choose either a fully managed, comprehensive solution or a DIY-friendly approach with expert guidance.

See both service levels →

Cross-Border Planning: Canada and U.S.

Cross-Border Advisory services at Wealth IQ

For Canadians living in or moving to the U.S., we help you consolidate and navigate your finances across borders, ensuring seamless transitions, optimized tax strategies, and a cohesive global plan.

See the 11 areas we cover →

One-Time and Hourly Consultations

Specialized Financial Consultations at Wealth IQ

When you need an expert perspective, our on-demand consultations offer tailored financial insights, whether you're seeking a second opinion on your plan or customized strategies for your business.

See pricing and topics →

Affiliations:

Approach

Serving clients nationwide

Optimize your financial and investment strategies with Wealth IQ's modern, technology-driven approach, providing smarter, personalized solutions for all your financial needs.

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Planning-Centric Guidance

Your financial journey is unique, and so is our approach. We place meticulous financial planning at the core of every strategy, ensuring your plan is tailored to your goals, not a one-size-fits-all solution.

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Unwavering Fiduciary Commitment

Transparency matters. Our fee-only structure means no commissions, no hidden referral fees, just unbiased, client-first advice focused solely on your success.

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Expert Collaboration, No Barriers

No asset minimums. No exclusivity. We act as your financial quarterback, seamlessly coordinating with tax and legal professionals to ensure a holistic, well-integrated financial plan.

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Guided by Behavioral Finance

Investing isn't just about numbers. It's about mindset and discipline. By incorporating behavioral finance principles, we help you stay on track, avoid emotional decision-making, and build lasting financial confidence.

Free Money Mindset Assessment

Our Process

A Comprehensive, Client-Focused Approach to Financial Success: From In-Depth Analysis to Tailored Strategies That Help You Achieve Your Goals

Introductory Meeting

Connect, discuss your financial background and priorities, and finalize our partnership. 

Data Collection & Integration

Securely gather your financial information and integrate it into our planning software for a complete view.

Regular Reviews & Strategic Guidance 

Engage in regular deep dives covering various Financial Planning / Investment Management/Cross-Border topics.  

Receive actionable recommendations and set clear short- and long-term priorities. 

Engagement Closure & Transition

At the end of our term, choose to continue our partnership or confidently take over your Financial Plan. 

Our Services

Transform Your Financial Journey with Wealth IQ

Explore pricing options below to find the right fit for you, from Financial Planning to One-Time and Hourly Consultations. Click on each block to learn more.

If you're a DIY investor, check out that option under Investment Management.

Select a service to see pricing and what's included
Financial Planning
Investment Management
Cross-Border Planning
Hourly Consultations

Comprehensive Financial Planning

Financial planning is not a one-time event. It's an evolving process that adapts as your life changes. At Wealth IQ, we integrate every aspect of your financial life into a cohesive, dynamic plan.

Tax Prep & Filing is also available through our trusted CPA partners.

Our process typically covers:

Clarity and foundation

We build a single balance sheet across every account you hold in the U.S. and Canada, including RRSPs, TFSAs, 401(k)s, and foreign real estate, so you can see your true net worth in one currency.
We map where your income actually goes each month and calculate the savings rate required to hit your goals.
We identify the money patterns driving your decisions, from scarcity to avoidance to over-giving, and build guardrails so your behavior does not undo your plan.

Tax and equity compensation

We build a vest-by-vest plan for your RSUs, stock options, and ESPP, covering withholding shortfalls, AMT exposure, 83(b) elections, and how to unwind concentrated employer stock.
We go through your benefits enrollment line by line to catch unused mega backdoor Roth capacity, HSA investing options, and deferred compensation election deadlines.
We model your tax picture across multiple years to time income, deductions, and Roth conversions, rather than reacting each April.

Asset protection

We audit your existing portfolio for overlap, hidden fees, concentration risk, and tax drag, then tell you what to fix first.
We calculate how much life and disability coverage you actually need as a high earner, and whether your employer group policy leaves a gap.
We review your wills, trusts, and beneficiary designations, and flag U.S. estate tax exposure for non-citizen spouses and Canadian-held assets.

Life design

We stress-test whether you can retire, or take a six to eighteen month career break, and model exactly what it costs you long-term.
We help couples decide what to combine, what to keep separate, and how to align on spending when incomes and money histories differ.
We compare 529 plans, custodial accounts, and Canadian RESPs to fund education without over-saving into the wrong account type.
$3.5K
  • Starting from $3,500 per engagement
    Fees vary based on plan time and complexity
    One-Time or Ongoing Planning available
BOOK YOUR INTRO CALL

Investment Management

Lean on us to build an investment strategy that reflects your risk tolerance, time horizon, and goals using time-tested strategies.

Tax Prep & Filing is also available through our trusted CPA partners.

Choose between Comprehensive Investment Management or DIY Investor Support.

BOOK YOUR INTRO CALL

Full-service portfolio oversight.
Services include:  

We manage it. You get your time back.
We inventory every brokerage, retirement, and employer account you hold, identify overlapping holdings, and consolidate where it reduces cost and complexity.
We measure both your willingness to take risk and your financial capacity to absorb a loss, which are usually not the same number.
We document your target allocation, rebalancing rules, and constraints in writing, so decisions get made by the policy instead of by market headlines.
We build a target allocation across U.S. equity, international, small-cap, fixed income, and real assets, then map it to low-cost ETFs.
We place the trades, monitor drift against your targets, and rebalance on a set schedule so you never have to log in.
We harvest losses to offset gains and place each asset class in the account type where it is taxed least.
AUM based:
$0 - $1,000,000
0.65%
$1,000,001 - $5,000,000
0.65%
$5,000,001 - $10,000,000
0.45%
$10,000,001 +
0.45%

Lean on us to build an investment strategy that reflects your risk tolerance, time horizon, and goals using time-tested strategies. Choose between Comprehensive Investment Management or DIY Investor Support.

We educate, you execute.

We review the portfolio you already built and flag overlap, hidden fees, and concentration risk you may have missed.
We help you set a risk level you can actually hold through a drawdown, not just the one that looks good on a questionnaire.
We write the rules down so you have something to check your decisions against when markets get loud.
We give you the target allocation and the specific low-cost funds to build it with.
We tell you what to buy and sell and when to do it. You place the trades.
We show you which lots to harvest and which accounts to hold each asset class in.



Pricing: Starting from $1,500 per engagement depending on level of complexity and number of investment accounts. 

Cross-Border Planning: Canada and U.S.

We understand the complexities of managing a life split between the U.S. and Canada.

Tax Prep & Filing is also available through our trusted CPA partners.

Our process covers these cross-border areas:

Making the move

We plan around Canada's deemed disposition on emigration, including which assets to sell before you leave and when to elect to defer the tax.
We help new arrivals open the right accounts, build U.S. credit from zero, and avoid the first-year tax mistakes that are expensive to unwind.
We plan both directions, including what changes if you return to Canada after building U.S. retirement and equity assets.

Accounts, tax and reporting

We explain how each Canadian account is taxed once you are a U.S. person, including why TFSAs and RESPs usually lose their tax advantage the moment you cross the border.
We coordinate FBAR, Form 8938, Form 3520, and T1135 obligations with your CPA so nothing gets missed and no penalty gets triggered.
We identify Canadian mutual funds and ETFs that trigger punitive PFIC treatment for U.S. taxpayers, and plan how to unwind them.

Long-term wealth across two countries

We coordinate CPP, OAS, Social Security, RRSP, and 401(k) income under the Canada-U.S. tax treaty to avoid double taxation.
We address wills that work in two countries, the non-citizen spouse marital deduction limit, and U.S. estate tax on Canadian-held assets.
We plan when to convert between CAD and USD, how much to hold in each, and how to stop losing money to retail conversion spreads.
We handle options and RSUs granted in one country and vesting in another, including income sourcing and relief from double taxation.
We plan around rental property, principal residence exemption timing, and Canadian corporations owned by U.S. residents.
$3.5K+
  • Starting at $3,500 per engagement.
    One-time or Ongoing arrangements available.
    Fees vary based on plan complexity
BOOK YOUR INTRO CALL

One-Time and Hourly Consultations

Get advice on specific financial topics.Our services include:

Tax Prep & Filing is also available through our trusted CPA partners.

We review your existing plan and what you are paying for it, then tell you plainly whether you are getting value or being overcharged.
We model whether an S-corp election actually reduces your tax bill, set a defensible reasonable salary, and plan owner distributions.
We compare Solo 401(k), SEP IRA, and cash balance plan options based on your income and whether you have employees.
We give you a one-time answer on a specific vest, tender offer, IPO, or acquisition without requiring an ongoing engagement.
We handle treaty residency, state tax exposure, and account setup for people whose income and location do not line up with one tax jurisdiction.
We answer specific hourly questions about your move between Canada and the U.S. — timing, accounts, or tax steps — without requiring a full cross-border planning engagement.
$350 per hour
    Total hours vary based on engagement complexity
BOOK YOUR INTRO CALL
Resources

Empowering You With Trusted Resources

Discover practical tips, expert analysis, and real-world strategies to help you make confident decisions, protect your hard-earned wealth, and achieve the financial future you envision.

Financial strategies for Canadians moving to the U.S.

So, you're making the big move from Canada to the U.S. How exciting! Read Article

Cashflow mastery: The ultimate hack to financial freedom

Ever wonder where your money disappears each month? Read Article

Our investment philosophy: a smarter approach to wealth building

Investing can often feel like trying to predict the future. Read Article
FAQs

Guided by Expertise, Driven by Success

Why do I need a Financial Planner?

While you can learn a lot about personal finance on your own, the sheer volume of available information can be overwhelming, and not all of it applies to your unique situation. At Wealth IQ, we simplify complex financial topics and focus on what matters most to you. A professional financial planner can help you when you:

  • Lack the time or expertise to craft and manage a comprehensive financial plan or investment strategy.
  • Feel overwhelmed by financial information and uncertain how it applies to your life.
  • Are new to the U.S. and still learning the ins and outs of the American financial system.  
  • Need a trusted accountability partner to help you stick to your financial goals.
  • Experience stress or procrastination when managing your finances.
  • Would appreciate a second opinion on your financial strategy.
What makes Wealth IQ different from traditional Wealth Management firms?  

We offer a boutique, hyper-personalized approach to financial planning. Here’s what sets us apart:

  • No Asset Minimums: We believe financial planning should be accessible to everyone.
  • Fee-Only Service: Our advice is independent. We never receive commissions, sell products, or earn referral fees.
  • Behavioral Finance: We understand that money is personal. Our planning integrates behavioral insights to support you in making decisions that align with your goals.
  • Innovative Tools: We use cutting-edge technology to enhance our financial planning process, ensuring you have a clear, comprehensive strategy.
What makes a Financial Planning engagement more complicated?

Every financial situation is unique. Factors that may add complexity to your plan include:

  • Planning for a family versus planning for an individual.
  • Being a business owner.
  • Owning financial assets or having obligations outside the United States.
  • Managing multiple banking or investment accounts.
  • Being in a higher income tax bracket.
  • Owning real estate properties.
I need Financial Planning, but I cannot afford to pay for your services. What should I do?

Thanks to technology, Financial Planning & Wealth Management is lot more accessible and affordable than it used to be. However, it can still fill out of reach for many. It is a complicated industry. If you KNOW you need financial planning, are willing to put in your own time and DO-IT yourself, but you simply know you cannot afford it. I want to help you; I will gladly spend an hour with you to give you some direction. Book time with me here

Get to Know Me

Hi, I'm Aditi. I founded Wealth IQ because I kept seeing the same gaps in financial advice for two groups who needed better support.

The first: Canadians living in or moving to the U.S. I've lived this journey personally. I moved from Canada to the U.S. first as an expat, then as a permanent resident, and eventually became a dual citizen of both countries. With Indian roots, a childhood in Saudi Arabia and Canada, and a life now planted in the U.S., I understand firsthand how complicated financial decisions become when your life spans multiple countries and cultures.

The second: corporate executives. I was one. I know what it feels like to build significant wealth but not have the time to manage it properly. Tax strategy, investment planning, equity compensation, and employer benefits all add up, and most of it goes unoptimized without a dedicated plan.

I bring 17 years of financial services experience, including building a digital investing platform at a major bank and advising C-suite leaders at GE on growth and financial risk. I hold an MBA from Chicago Booth and carry both the CFA and CFP designations.

Outside of work, I'm a student of meditation and holistic practices, which shape how I understand both money and life. My husband and I have been married for 11 years, and navigating infertility and health challenges together has expanded my view of what true wealth looks like for me personally.

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Our Technology Team

Our robust technology stack enables us to remain nimble while providing a solid client experience.

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