What kinds of financial planning services does Summit Financial offer?

Summit Financial typically supports personal financial planning with a focus on organizing your finances, setting priorities, and building a plan that fits your situation. That can include budgeting guidance, retirement planning, education savings, debt strategy, and planning for major life changes, depending on what you need.

What is usually included when I start a planning engagement?

A planning engagement usually includes a review of your current financial picture, a discussion of your goals, and a step-by-step plan with clear recommendations. The scope can also cover cash flow, savings, investment considerations, insurance needs, and tax-aware planning where relevant, so the work stays connected to your broader financial picture.

How is pricing for financial planning at Summit Financial usually determined?

Pricing is typically based on the scope of the planning work, the level of detail needed, and whether the engagement is one-time or ongoing. A straightforward review may cost less than a more involved plan that includes cash flow, retirement, tax-aware planning, and coordination with other professionals.

Can you provide a quote, and what information affects the fee?

Yes, a quote is usually prepared after a brief discussion about your goals and the type of planning support you need. Factors that can affect the fee include the complexity of your finances, the number of accounts or planning areas involved, and whether you want a one-time plan or continued support over time.

How can I contact Summit Financial to start a planning conversation?

You can usually reach out by phone, email, or the contact form on the website to begin. Once your message comes in, a team member will follow up to understand what you want to plan for and help set up the next step.

Privacy Policy

1. Introduction and company information

This Privacy Policy explains how Summit Financial Planning collects, uses, discloses, stores, and protects personal information in the course of providing financial services in Canada. We are committed to protecting personal information in accordance with applicable Canadian privacy laws, including the Personal Information Protection and Electronic Documents Act (PIPEDA) and, where applicable, provincial privacy legislation.

Summit Financial Planning
Suite 402, 1200 Burrard Street, Vancouver, BC V6Z 2C7, Canada
Email: [email protected]
Phone: +1 (604) 683-4917

By using our services, communicating with us, or submitting personal information to us, you acknowledge that you have read and understood this Privacy Policy.

2. Data collection and processing

We collect personal information that is necessary to provide financial planning and related services, to comply with legal and regulatory obligations, and to manage our business operations. The categories of personal information we may collect include:

Identity and contact information, such as your name, address, phone number, and email address;
Government-issued identification information, where required for identity verification and compliance purposes;
Financial information, such as income, assets, liabilities, account information, investment preferences, insurance details, tax information, retirement information, and risk tolerance;
Employment and professional information;
Family or household information relevant to planning services;
Communications and correspondence between you and Summit Financial Planning;
Service and transaction information, including records of consultations, recommendations, instructions, and account-related activity;
Technical information, such as device, browser, IP address, and website usage data, if you interact with our website or digital tools.

We generally collect personal information directly from you, but may also collect it from third parties with your consent or as otherwise permitted by law, including financial institutions, insurers, advisors, government sources, and service providers.

We process personal information only for purposes that are appropriate to the nature of our financial services and consistent with applicable law.

3. Purpose of data processing

Summit Financial Planning may use personal information for the following purposes:

To assess your financial situation, goals, needs, and suitability for financial products and services;
To provide financial planning, advisory, and related services;
To communicate with you and respond to inquiries;
To verify identity and prevent fraud;
To manage client relationships and maintain service records;
To process payments, invoices, and administrative tasks;
To comply with legal, regulatory, tax, audit, and recordkeeping obligations;
To improve our services, systems, and customer experience;
To detect, investigate, and prevent security incidents, unlawful conduct, or misuse of our services;
To send service-related notices and, where permitted, marketing communications;
To protect our legal rights and interests and to establish, exercise, or defend legal claims.

4. Legal basis for processing

We process personal information only where lawful and appropriate. Depending on the circumstances, our legal basis for processing may include:

Your consent, where we ask for it explicitly or it can be reasonably implied;
Contractual necessity, where processing is required to provide requested services or to take steps at your request before entering into a service relationship;
Legal and regulatory obligations, including compliance with applicable laws, accounting requirements, anti-money laundering rules, and professional obligations;
Legitimate business purposes, such as operating, securing, and improving our services, provided such interests are not overridden by your privacy rights;
Other lawful grounds recognized under Canadian privacy law.

Where consent is relied upon, you may have the right to withdraw it at any time, subject to legal and contractual limitations.

5. Data sharing and third parties

Summit Financial Planning may disclose personal information to third parties only when necessary and appropriate for the purposes described in this Privacy Policy. These third parties may include:

Financial institutions, insurers, investment firms, custodians, and product providers;
Professional advisors, including lawyers, accountants, auditors, and compliance consultants;
Technology providers, cloud storage services, communication platforms, and IT support vendors;
Payment processors and administrative service providers;
Regulators, government authorities, law enforcement, and self-regulatory bodies, where required or permitted by law;
Other parties with your consent or at your direction.

We require third-party service providers to protect personal information and use it only for authorized purposes, subject to contractual and legal safeguards.

We do not sell personal information.

6. Data transfer to third countries

Your personal information may be stored or processed outside your province, including outside Canada, by us or by our service providers. In some cases, this may involve transfer to jurisdictions with different privacy laws and may allow local authorities access to the information under applicable laws in those jurisdictions.

Where personal information is transferred outside Canada, Summit Financial Planning takes reasonable steps to ensure it is protected by appropriate contractual, technical, and organizational safeguards. By providing personal information to us, you acknowledge that such transfers may occur as necessary to deliver our services and operate our business.

7. Storage duration

We retain personal information only as long as necessary for the purposes for which it was collected, or as required by applicable law, regulatory requirements, professional obligations, and our record retention practices.

Retention periods may vary depending on the type of information and the purpose of processing. For example, client and transactional records may need to be retained for several years after the end of the client relationship to comply with legal, tax, audit, and dispute resolution requirements. When personal information is no longer required, we will securely delete, anonymize, or destroy it in accordance with our policies and applicable law.

8. User rights (access, rectification, erasure, restriction, data portability, objection)

Subject to applicable Canadian law and any legal exceptions, you may have the following rights with respect to your personal information:

Access: Request access to the personal information we hold about you and obtain information about how it is used and disclosed;
Rectification: Request correction of inaccurate, incomplete, or outdated personal information;
Erasure: Request deletion of personal information, where permitted by law;
Restriction: Request that we limit the processing of your personal information in certain circumstances;
Data portability: Request a copy of certain information in a structured format, where applicable and technically feasible;
Objection: Object to certain processing activities, including some forms of direct marketing or processing based on legitimate interests, where applicable.

To exercise any of these rights, please contact us using the details provided below. We may need to verify your identity before responding to your request. In some cases, we may be unable to comply with a request due to legal or regulatory obligations, or because the information is subject to privilege, contractual restrictions, or legitimate business recordkeeping requirements.

9. Withdrawal of consent

Where we rely on your consent to collect, use, or disclose your personal information, you may withdraw that consent at any time, subject to legal or contractual restrictions and reasonable notice. Withdrawal of consent may affect our ability to provide certain services or may limit the information we can rely on to support financial planning, compliance, or administration.

To withdraw consent, please contact us using the information below. We will explain the consequences of withdrawal where relevant.

10. Right to complain

If you have concerns about our privacy practices or believe that we have not complied with applicable privacy laws, you may contact us first so that we can address your concern.

You may also have the right to file a complaint with the Office of the Privacy Commissioner of Canada or, where applicable, a provincial privacy regulator. We encourage you to contact us directly so that we can attempt to resolve any issue promptly and informally.

11. Data security

Summit Financial Planning uses reasonable administrative, technical, and physical safeguards designed to protect personal information against loss, theft, unauthorized access, disclosure, alteration, and destruction. These measures may include access controls, encryption, secure storage, employee confidentiality obligations, training, monitoring, and restricted access to sensitive records.

Despite our efforts, no method of transmission or storage is completely secure. We cannot guarantee absolute security, but we take appropriate steps to reduce risk and to respond to incidents in accordance with applicable law.

12. Contact information

If you have questions about this Privacy Policy, our privacy practices, or wish to exercise your rights, please contact:

Summit Financial Planning
Suite 402, 1200 Burrard Street, Vancouver, BC V6Z 2C7, Canada
Email: [email protected]
Phone: +1 (604) 683-4917

13. Changes to privacy policy

We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, technology, or business operations. When we make material changes, we will provide notice by appropriate means, such as by posting an updated version on our website or by contacting you directly where required.

The updated Privacy Policy will be effective as of the date indicated, or as otherwise stated. We encourage you to review this Privacy Policy periodically.

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