About Fanny — Professional Guidance with a Human Heart
I’m a bilingual Mortgage Agent (Level 2) former CRA Income Tax Auditor and holistic financial consultant based in Toronto. My work blends lending experience, tax cadence, and accounting discipline so you can make clear, values-aligned decisions—and feel calm about money. We serve a select roster of professional families, executives, and business owners.
I specialize in aligning mortgage strategy, cash-flow systems, and tax-season readiness—so your near-term steps support long-term goals. Day to day, I assess financial situations, clarify mortgage options, and coordinate with lenders so applications move forward without drama.
On the planning side, I build holistic, practical routines—and when needed, I support clients through CRA reviews with organized documentation, clear communication, and full compliance.
We work by invitation to protect presence and quality. If our approach resonates, you’re warmly invited to start a conversation.
Credentials & Quick Facts
A Multidisciplinary Team—Under One Umbrella
Alongside Fanny, you’ll have coordinated access to qualified professionals. Each specialist operates independently—we bring them in when timing serves your plan, so your mortgage, cash-flow, and tax cadence actually work together.
Policy clarity and product fit—packaging that earns lender confidence.
Proactive strategies, audit-ready records, and calm filing seasons.
Behavior-friendly systems rooted in accounting best practice.
Clean closings and clear communication—no drama on possession day.
Coverage aligned to your risk profile and lender requirements.
Preparation and representation when the CRA needs a closer look.
How We Use AI (with human review)
We use privacy-respecting AI tools to speed up prep: summarizing documents, organizing checklists, EN/ES translation, and drafting budgets. Every recommendation and all numbers are reviewed by Fanny or a qualified professional. We do not automate credit decisions—lenders always make final approvals. You can opt out anytime—just tell us.
Why “Guidance by Invitation”?
The most meaningful work happens when both client and guide feel a natural fit. We start with a brief conversation—no pressure, just clarity—to confirm goals, timing, and scope.
On request, we can use a light Human Design lens to personalize communication and cadence. It never replaces financial, tax, or legal fundamentals—it simply helps your plan fit your life.
Who We Serve Best
Notes on Compliance & Scope
Prices (where shown) are in CAD and may be subject to HST. Mortgage services are typically free for qualified residential borrowers because compensation is paid by the lender on closing. Fees may apply in non-prime/private/commercial scenarios and will always be disclosed in advance. All mortgages are O.A.C. (on approved credit).
Coaching and advice-only services are independent of mortgage compensation and do not replace legal, tax, or accounting advice. We coordinate with your chosen professionals as needed. Documents are collected via secure links. Bilingual support (EN/ES).
Human Design is optional and used only to personalize communication and pacing; it is not financial, tax, accounting, legal, or investment advice.
Ready to start the conversation?
A 20–30 minute discovery call will give you 2–3 clear next steps—no pressure.