Design Your Future Financial Services
Helping Incorporated Consultants and Business Owners Grow, Control, and Keep Their Money
Grow, Control, and Keep Your Money.
Designing even better futures. Engineering peace of mind.
I help incorporated consultants and business owners across Canada make better financial decisions so they can keep more of what they earn and stop losing money to taxes, fees, poor structure, and financial guesswork.
As a former engineer turned independent financial planner, I bring analytical precision to financial strategy, without losing the human side of money. My advice is built around your vision, values, and goals, not around pushing products.
Reduce Tax and Use Your Corporation More Efficiently.
Most business owners accept tax as a cost of doing business.
My team and I don’t. We help you structure your income and corporate assets in a way that reduces unnecessary tax and keeps more money working for you.
If you want wise advice, a clear plan, and a guide you can trust, you’re at the right place.
Areas of Expertise
We help incorporated business owners and consultants create smarter strategies to reduce tax and put retained earnings to work more effectively. We bring structure to your cash flow, investing, protection, and long-term planning so you can make decisions with more clarity and less stress.
From low-fee investing and insurance strategy to estate and legacy planning, we help you grow your wealth while protecting what matters most.
Tax Optimization
Grow, control, and keep more of your income with effective tax planning and reduction.
High Net Worth Wealth Management
Elevate your financial success with specialized wealth management services including high net worth investments, income protection and estate planning.
Financial Planning for Consultants
Make more money and pay less tax. Simple yet very effective.
Investing Strategies
Effective low fee investing techniques to grow your wealth, reduce risk, pay less tax, and achieve your financial goals. Strategies include The Smith Manoeuvre, High Net Worth Investments, ETFs, CDA, RDTOH, Wealth Transfer Funds, and Properly Designed Whole Life Insurance.
Savings Plans and Insurance Products for
Self-Employed
Discover tailored strategies to secure your financial future with personalized savings plans, group benefits, health insurance, and Canada’s best whole life insurance policies.
Great Money Habits with the Design Your Future Planning Process
How to Always Have Enough Money. Find money that is falling through the cracks, pay less in taxes, follow the philosophy of the wealthy, and increase your money mindset to ensure financial independence.
WHAT WE DO
Advice Built on Wisdom, Integrity, and Kindness.
We are committed to strengthening communities through our unbiased, value-driven, and independent financial planning. Incorporating our core values of wisdom, integrity, and kindness, we provide trusted and expert financial advice so our clients can focus on what is truly important.
“I believe money amplifies people. When good people have control and access to their money instead of losing it to taxes, fees, or fear, they can focus on what truly matters: their careers, their health, and their relationships with family and friends. When this happens, our communities thrive.” - Steve MacLellan, The Financial Engineer.
Our experience and services provide clarity, simplicity, and certainty as you navigate the complexities of managing wealth. By partnering with top-rated firms, we ensure access to low-fee, professionally managed investments with full transparency.
We help our clients become healthier, wealthier, and wiser so they can double down on their strengths and focus on what’s truly important to them - usually their career, family, relationships, and making a greater impact in their communities.
If your Financial Planner isn't offering a commission back guarantee, ask them 'Why Not?' or call us
Explore Steve’s book and online course, "Grow, Control, and Keep YOUR Money." Includes The 6 Habits and valuable advice on how to achieve AND maintain financial freedom. Grow, Control, and Keep YOUR money!
Why Clients Choose The Financial Engineer
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“Steve is a very personable and professional financial advisor. He has the knowledge and tools necessary to help you build a personalized strategy to plan for your future. I highly recommend The Financial Engineer!”
Gabriel R.
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“So happy to have received the referral to meet with Steve. He is such a kind and caring individual who really knows his business and then some! Very happy to finally find someone that I am fully comfortable and confident talking finances with, as well as, refer friends and clients to because I know he will always have THEIR best interests at heart!”
Tammy B.
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" | really enjoyed the process and felt at ease right away - especially when we noticed more money in our bank accounts."
Eric L.
We follow a 6-step process incorporating our 3 core values: Wisdom, Integrity, and Kindness
Ready to Keep More of What You Build?
Contact Steve
steve@thefinancialengineer.ca
(902).240.6508
Halifax, Nova Scotia