Sandi Martin

Sandi Martin is an ex-banker turned fee only financial planner. She works with regular people across Canada to figure out what they want their money to do for them and to find the simplest, smartest way to do it.

In her former career  as a banker, she spent most of her time resisting the overwhelming pressure to sell credit cards, mortgages, creditor insurance, and expensive mutual funds and instead worked with her clients to make the best financial choices with the best information possible.

She lives in Gravenhurst Ontario with her husband and 3 kids. She’s loves good food, good company, and putting things where they belong.

Carrick on Money Video Series

Sandi was interviewed by Rob Carrick at the Globe and Mail for the Carrick Talks Money series. The first video is called How a financial planner can lighten your load and is a great place to start if you want to know more about Sandi’s approach to financial planning.

Practice Specialties


Cash Flow

Understand how you spend your money and use it to effect real change 


Put the income puzzle together to build the simplest, most sustainable plan possible  


Don’t get sabotaged by high fees, poor behaviour, confusion, and unrealistic expectations

Ongoing Support

Get very clear about the things you want and put systems in place to move towards them

Planning Fees


  • This introductory package provides a high level overview of your current financial health, identifies any trouble spots, and is designed as the first step in creating a personalized plan of improvement.

  • If you are new to financial planning, this is a perfect place to start.




  • Designed so that we can continue to work together in a structured way as you implement your plan, including regularly scheduled review meetings and unlimited email access.

  • Plans range from $65-$250/month depending on the level of support you need. Most clients choose quarterly meetings at $190/month

Figure out what you want your money to do for you, and find the simplest, smartest way to do it.


Just like these clients did.

Sandi is an enthusiastic listener and thorough in her critical analysis and I recommend her to anyone who wants to take a personal leadership in their finances.



I cannot find any aspect of our engagement during this process that I would change.



Sandi met both expectations and delivered a very custom analysis factoring in all inputs I had provided, and also including some I had overlooked.



Sandi’s got a fantastic personality and engaged both the Avid (me) and the Averse (my wife) equally.



It has got to be the most intimidating things in the world to open up all of your dirty financial secrets to a stranger I met on the internet. Yet, I never once felt uncomfortable during our work together.



Co-host of the Because Money Podcast

Smart conversations about money in Canada