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Aware Financial
Clarity and confidence for your financial future, tailored to your unique goals.
5(5 reviews)
Business
$$$
Clarity and confidence for your financial future, tailored to your unique goals.
Aware Financial, led by expert financial planner Hervin Pesa, provides personalized, fee-for-service financial planning and advisory services in Calgary. We specialize in retirement planning, investment strategies, and comprehensive financial analysis, offering unbiased guidance without product sales. Our approach focuses on listening to your needs, asking insightful questions, and creating detailed, realistic plans that empower you to make informed decisions. With a 5-star rating from satisfied clients, we prioritize integrity, expertise, and a calm, supportive presence to help individuals, families, and retirees achieve financial security and peace of mind.
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Customized retirement plans detailing income sources, expenses, and strategies for CPP/OAS optimization to ensure a secure financial future.
Personalized financial advice and analysis, including investment management, tax minimization, and goal-setting for individuals and families.
In-depth financial plans covering all aspects of your finances, with modeling and reviews to adapt to life changes and goals.
One-time or ongoing consultations without product sales, providing unbiased guidance tailored to your specific needs and concerns.
Access to a trusted network of professionals, including tax accountants and insurance agents, for specialized financial support.
I’m so grateful I found Harvin Pesa. He took the time to really listen, ask the right questions, and provide guidance that feels both smart and realistic. His expertise, integrity, and calm presence made a huge difference for me. I would recommend him, without hesitation to anyone seeking clarity and confidence around their finances and retirement needs.
I have been working with Hervin for a number of years now; starting off with a one-time financial planning and moved on to having him as my financial advisor. He is personal, caring, knowledgable, supportive, responsive without interferring with my ultimate decisions. He is reachable and I know I do not have to chase him down for a response. The operation set up is smooth, without hassels, I get the advice, the management of the assets and the accounting components all taken care of.
My husband and I (both 60, retired for 6 years) are DIY investors and have always managed our own finances and retirement plan. We have met with fee-for-advice financial advisors in the past to see if we were on the right track, but never got much value out of any of those meetings. Then we met with Hervin. Right off the bat I was impressed with his sincere interest in our financial concerns and goals, his direct and down-to-earth communication style, and the tangible results he promised. We had a couple of lengthy meetings, both online and in person at his Calgary office (as we happen to live in Calgary). We talked about all our goals, from "must have" to "reach for the stars", to see if and how we could accomplish them. Hervin asked on-point questions and had us thinking about things we hadn't previously thought about. I think he was a life coach in a previous life! Hervin took the time to review our very detailed retirement plan (a 10-sheet Excel workbook), pointing out things we could do differently to achieve our goals. He didn't impose his ideas on us, simply pointed out options and let us decide what was best for us. There was no judgement, he just wanted to make sure we were making informed choices, and then he supported us 100%. Hervin then took all our info and ran it through 100's of models to come up with the best plan that fit our exact needs. The final result was a detailed plan, showing our income sources and expenses each year for the rest of our expected lives, including the best age at which we should take our CPP and OAS, one-off expenses like house renos next year and buying a new car in another few years, and moving into a retirement home in our later years. Obviously our goals and timelines will change with the reality of life as time goes by but it gave us an excellent understanding of where we are now, and confidence in our financial future. I would highly recommend Hervin's services to anyone looking for help with a financial plan. I would comment that, because Hervin is so busy, he did forget to get back to me about a few things that I had to remind him about. Not a big deal, but if you don't get something when expected, don't delay, just give him a gentle reminder. But I have already recommended him to a friend, and we plan to meet with Hervin again, maybe every 5 years, to review and update our retirement plan. Very happy clients 😊.
As a designated accountant, I am confident with my financial planning. But life threw us a curve ball a year ago that could have threatened my family’s financial future. So, I decided to talk to a financial planner to ensure my family and I could still achieve our goals despite life’s surprises. I specifically looked for a fee-for-service planner so that I wouldn’t have to worry about being sold products we didn’t need. My first impression of Hervin was that he is easy to talk to and knows his craft. He was able to point out the strengths, weaknesses, misconceptions, and blind spots in my original plan after a thorough analysis. He then outlined more efficient ways to achieve my goals, while minimizing tax, with a customized financial plan for my family. He also leveraged his network of professionals—tax accountants, investment experts, and insurance agents—to ensure that specialized areas were properly addressed. Despite my financial acumen as an accountant, I learned so much throughout our engagement. Hervin was honest, professional, and patient, no matter how unique our needs or questions might have been. He went the extra mile to address concerns that kept me up at night, and that’s what I deeply appreciate of and impressed by Hervin. Thank you so much, Hervin. I wish more people could benefit from your expertise and professionalism. If you’re looking for someone who will prioritize your needs and guide you with integrity and expertise, I highly recommend Hervin. His support has given my family and me renewed confidence in our financial future.
We recently met with Hervin and were extremely happy with the service he provided in completing our retirement plan. He has a broad knowledge of all things related to financial planning, and provided us with a comprehensive and detailed plan for our retirement finances. He was a pleasure to work with throughout the process and I highly recommend booking an initial consultation with him where he will go over in detail the services he provides. Thanks Hervin!
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