Clear numbers, calm decisions.
When you’re ready for holistic, human-centered financial coaching, I’m here to walk alongside you—offering support that honors your unique journey.
Invited Wisdom, Shared with Heart
I’m Fanny Samaniego—a bilingual Financial Advisor, holistic coach, and licensed Mortgage Agent in Toronto. With a coordinated team, we guide professional families, executives, and business owners who want practical results without losing sight of values and peace of mind.
- Plans that fit your life—rooted in how you naturally decide and follow through.
- Optional Human Design lens to personalize communication and cadence—never replacing financial or legal fundamentals.
- Clear next steps after every call—no overwhelm.
Why We Work by Invitation
Strong financial outcomes come from relationships built on trust and the right fit. Every client journey begins with a conversation.
- We confirm your goals and timing before we start.
- You meet the right specialist on our team for each step.
- We craft a plan around your strengths and decision style (Human Design available on request), while staying grounded in financial, tax, and legal basics.
Licensed Mortgage Agent (Level 2)
Coordinated Team of Specialists
Optional Human Design Personalization
Ways We Can Guide You
Financial Guidance
Clear, heart-centered support for your financial goals—anchored in your natural strengths.
- Budget & cash-flow plans you’ll actually use
- Debt strategy, credit repair & savings systems
- Optional Human Design to fine-tune cadence & accountability
Holistic Tax Planning
Practical, values-aligned strategies to keep more of what you earn.
- Personal & small-business considerations
- Cash-flow friendly, compliance-first planning
- Seasonal reminders and prep checklists
Mortgage Guidance
Licensed advice for first homes, upgrades, refinancing, and multi-unit investments.
- Pre-approval & readiness check
- 4–10 unit properties & investment strategy
- Rate, term & structure optimization
Kitchen Table Conversations
Intimate, small-group circles led by Fanny and her team—like sitting around a kitchen table—where you can ask questions, get clear answers, and leave with next steps you’ll actually follow.
Who it’s for
- First-time buyers & newcomers
- Families aligning values & budgets
- Investors exploring multi-unit (4–10)
What we cover
- Mortgage steps, rates & readiness
- Cash-flow, debt & credit strategy
- Values-aligned, stress-free planning
How it works
- Small groups (friendly & focused)
- 4 weekly sessions • 45–60 min
- Simple next-steps after each call
Helpful Tools & Articles
Tools
Simple calculators, checklists, and decision helpers to keep things moving—made to match how you actually follow through.
- Budget & cash-flow worksheet
- Mortgage readiness checklist
- Tax season prep list
Articles
Short, practical reads on mortgages, money behavior, and tax basics—no jargon, just next steps.
- First-home roadmap (Toronto edition)
- Debt strategy without the shame spiral
- Small-business taxes: what to track
Stay in the Loop
Get monthly tips, checklists, and gentle reminders—bilingual and spam-free.
SubscribeClarity grows from conversation.
No pressure, no rush—just thoughtful guidance when it’s right for you.
Start a conversationHuman Design is optional—used only to personalize communication and pacing. It never replaces financial, tax, or legal fundamentals.