Financial Disclaimer

Wise and Faithful exists to help Canadian Christian men think clearly and biblically about money. It does not exist to replace professional financial advice.

I am not a licensed financial advisor, accountant, or lawyer. I am a pastor with a genuine interest in personal finance, built over years of reading, learning, and living it. What you read here reflects my honest research and personal experience, not professional credentials.

Nothing on this site should be taken as personalised financial, investment, tax, or legal advice. No reader-advisor relationship is created by reading or contacting this site.

Canadian Account and Tax Information

Articles about TFSAs, RRSPs, FHSAs, RESPs, CRA rules, and contribution limits are written to be accurate at the time of publication. These rules change. Always verify current limits and regulations directly at canada.ca before making decisions.

Investment Information

Articles about investing are for general educational purposes only. Past performance of any investment is not a guarantee of future results. Investing involves risk, including the possible loss of principal. Never invest money you cannot afford to lose.

Calculators and Tools

This site includes calculators and a financial scorecard: tax estimators, debt payoff planners, mortgage and home affordability tools, and others. They are here to help you think, not to tell you what to do. Every result is an illustrative estimate based on the numbers you enter and the assumptions built into the tool. Those assumptions are general and may not fit your situation. A result is not a quote, a promise, or personalised advice, and your real outcome will differ. Verify anything that matters with current figures at canada.ca or with a licensed professional before you act on it.

Affiliate Disclosure

Some links on this site are affiliate links. If you click through and make a purchase or sign up for a service, I may earn a commission at no cost to you. I only recommend products I personally use. Affiliate relationships do not influence what I write.

A Word on That

I want to be direct about this: the reason I include this disclaimer is not because I think you are litigious. It is because I genuinely do not want you to make a significant financial decision based solely on something you read here without talking to someone who knows your full situation.

Your income, your debt load, your tax situation, your family's needs: I do not know those details. A licensed professional does. Use this site to think, ask better questions, and build conviction. Then get proper advice for your specific circumstances.

Get Professional Help

If you are looking for a fee-only financial planner in Canada, FP Canada maintains a directory of certified financial planners. Fee-only means they do not earn commissions; they charge for their time and advice only.