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New to Canada

Becoming a new resident of Canada is overwhelming and have many aspects that you need to address, like where you are going to live, if you first language is not English you may want to start taking ESL (English as a second language) classes. You may also need to register your kids to school and all of these things within a few months of getting into the country, it is imperative that you get familiar with the financial system to make your experience smoother.

Here are some things to consider:
  1. Open a checking a savings account at your nearest bank. If you get a job you can get your salary directly deposited into your account, most employers require you to have a Canadian bank account to receive your salary.
  2. Apply for Social Insurance number, health card and driver’s licence (if applicable) if not you may get an Ontario Photo card instead. Also if you have purchased a vehicle, registration and ownership needs to be issues. You can go directly to Service Ontario :
  3. Be aware of common scams and frauds, you can go directly to the Ontario Securities commission and read about a list of questions to ask before you invest:
  4. Create a budget and a financial plan, depending on your situation you may need to purchase, life insurance, car insurance and health insurance. Please contact us immediately to get you started.

For more information about how to enter the next phase of your life and the financial steps you need to follow book a complimentary Financial Health Assessment.






"I always wanted to talk to someone who could help me get my financial goals in order. I know I needed to get to this part but had no clue how to or who to get? When I spoke to friends they were in the same position. Araceli was amazing no question was dumb or any thing I had did in the past could not be fixed.

I feel/know Araceli got my life in order and regained happiness to my out look on my future. Does that sound dramatic...YES... but it is true!

I now have correct insurance coverage, my budget is fair I am not in the poor house every pay week and I have a feeling of safety and freedom. I love seeing her and she keeps me in check. I will always have this lady in my back pocket she has become a friend."

Christine Macvicar (Single professional)Mississauga

I met Araceli Hernandez about 9 years ago. One of the best decisions I ever made was to meet with her about financial planning. She wasn't pushy and listened to my concerns. I appreciated her vast knowledge and expertise. Fast forward 9 years later and I'm in a very good financial situation because of Aracelli's advice. My son is also well on his way to saving for his future. I strongly believe that everyone should have a financial advisor but working with someone like Aracelli is key to making well-informed decisions.

Patrice Palmer (Single Professional) Burlington

“I’ve worked with Araceli and feel she is the best. She works hard, knows her stuff and has integrity. She works with your budget and presents you with options that work for your situation and lifestyle. ”

Dana Castro (owner of three crowns studio) Mississauga