Financial Planning, Redesigned.

Jared Webb learned that distinction from the inside. His family's firm, Fernhill Financial, has been serving clients across British Columbia and Alberta since 1994, built on honest investment and insurance guidance and relationships that have lasted decades. DesignWealth is what that practice grew into.

But the evolution started with a nagging observation Jared could not shake: in every client meeting, information was being collected that could do so much more work than it was being asked to do. Net worth, insurance coverage, wills, outstanding debts, goals. The data was there. The expertise was there. The full conversation was not happening.

When the idea of doing more started to take shape, it found an early believer in Josue Dubon. A fellow CFP and Wealth Mentor, Josue had been building his career in Manitoba before relocating to Victoria, drawn partly by the weather, but more by what he found when he researched what was being built here. The philosophy, the approach, the conviction that financial advice could and should do more for people, it fit with what he already believed. He joined when DesignWealth was still an idea rather than a firm, and helped shape what it became.

Together, they worked through what a different kind of practice could look like: one that kept investment advice and insurance guidance as genuine, standalone services, but added something the industry had quietly reserved for clients with significant assets, comprehensive financial planning for anyone who could benefit from it. The income-based planning fee, 1.25% of household income rather than a percentage of assets, was the structural answer. It makes serious financial planning viable for the person who earns well but is still building, the person the traditional model was not set up to serve.

Not every client wants or needs financial planning. Some come to DesignWealth for investment guidance. Some for insurance. Some for both. That is not a lesser version of the relationship, it is a different one, and it is perfectly valid.

Using a fitness analogy: not everyone wants a full training program. Some want to eat better and do what they can. Some can only commit to two days a week and want to make those two days count. What matters is not the path chosen but that the person is moving in a direction that is right for their situation. DesignWealth meets clients where they are. For those who want the full picture, a plan that coordinates cash flow, debt, investments, insurance, tax, and estate together, the team is built to deliver it. For those who want one piece of that, the same care and the same standards apply. Today DesignWealth is licensed across British Columbia, Alberta, and Manitoba, with a goal of reaching as many Canadians as possible.

Those standards start with how the team is structured. Jared and Josue are the CFP-certified Wealth Mentors, the client-facing advisors behind every planning and investment relationship. They are supported by a dedicated team, each with a specific role: financial planning analysis, investment and insurance implementation, client experience and coordination. Nobody is trying to do everything at once. The right person handles the right task, and nothing falls through.

And one thing does not change across any of it: nothing recommended to a client is something the team would not hold themselves. Their own money, their own families. If it is not good enough for that, it does not get recommended.