What you don’t change, you choose.

invest in your tomorrow

Most people worry about the risk of doing something new. But they often forget something just as important, the risk of doing nothing.

At Bo Banner Wealth, I help you overcome the friction of inaction. Because when it comes to your financial future, no decision is a decision.

Mindset

How I think about money, markets, and your long term success.

Good financial planning isn’t about predicting the future or timing the market. It is about discipline, perspective, and consistency.

Money means nothing without meaning, and you cannot solve an emotional problem with numbers alone. My role is to help you build purpose into your planning.

Markets fluctuate. Headlines change. Fear and optimism come and go. I provide simple, personal, human advice to help you think clearly and make sound decisions rooted in behavioural finance. Together, we focus on what we can control.

  • Trade off Planning: Countless financial strategies exist. Just because a strategy is trendy does not mean it is right for you. We focus on what works for your life.

  • Mental Architecture: Ignoring short term noise in favor of long term evidence.

  • Resilience over Perfection: Building plans that survive real life curveballs, rather than fragile plans built for perfect conditions.

The biggest risk to your wealth is rarely the market itself. It is abandoning a sound plan at the wrong time. We are not trying to "beat the market" this quarter. The goal is to build a financial life that holds up beautifully over decades, protecting your retirement and securing your family's legacy.

Bo Banner, CFP®

Certified Financial Planner

My time in professional sports taught me the value of discipline, teamwork, and clear strategy, which I bring into my work as a financial planner.

I live in Whistler, BC, with my amazing wife, where we embrace the adventure of life together. When I’m not helping clients, you can find me coaching youth basketball, riding my snowmobile, or enjoying a strong morning coffee.

If you're serious about improving your financial life, I’d be happy to help build a plan that works for you.

Core Values

  • No jargon. No fluff. Just clear advice.

  • No cookie cutter plans. Everything is built around you.

  • I’m in this with you, for the long haul.

  • I break down complex ideas so you can act with confidence.

  • Relationships matter more than transactions.

  • I'm here when it counts most.

Minimums & Investment Approach

  • For clients who choose to have their wealth managed, fees are charged as a transparent percentage of your assets under management (AUM) and decrease as your portfolio grows.

    • 1.00% on assets $0 – $999,999

    • 0.90% on assets $1,000,000 – $1,999,999

    • 0.80% on assets $2,000,000 – $2,999,999

    • 0.70% on assets $3,000,000 – $3,999,999

    • 0.60% on assets $4,000,000 – $4,999,999

    • 0.50% on assets $5,000,000 and above

    Underlying investment product costs typically range from 0.28% to 1.00%, depending on your portfolio structure. All fees are fully disclosed and reviewed regularly.

Who this is for, and how your money is managed.

This is a financial friendship built on trust. As a boutique firm, I intentionally limit my client base. This ensures you receive clear, personal, and deeply human advice rather than a corporate, mass market experience.

I partner with individuals, families, and business owners who value long term thinking and a human centric approach. To maintain this level of dedicated focus, I work with the following minimums.

  • $250,000 in investable assets per household, OR

  • Engagement in a standalone financial plan (detailed below)

A Whistler Touch: For clients based in Whistler, I bring the planning process to you with personalized, in home consultations.

How Investments are Managed

There is no single “product” or one size fits all portfolio. Your investments are built intentionally based on your unique goals, tax situation, and timeline. Here is a look at the tools I may use.

  • Corporate Class Investing: Primarily for non-registered accounts, this structure maximizes tax efficiency for professionals and business owners focused on after tax outcomes.

  • PFIC Aware Investing (U.S. Persons): If you are subject to U.S. tax rules, I design portfolios that reduce cross-border reporting complexity.

  • ETFs and Mutual Funds: I use low cost, diversified, and evidence based building blocks chosen for how they work together, not in isolation.

  • Socially Responsible Investing (SRI): If you want your portfolio to reflect your personal values, I offer ESG aware strategies built with the same strict standards of diversification.

Who I Serve

CCPC & Small Business Optimization

For incorporated business owners with gross revenues between $250k and $1M. I focus on cleanly extracting wealth from your corporation, balancing salary versus dividends, and making corporate surplus work for your life.

Retirement Spending

Moving from the accumulation phase to spending your money is a massive psychological shift. I build tax efficient drawdown strategies so you can use your wealth without the constant background anxiety of running out.

Inheritance & New Wealth

For heirs navigating a recent inheritance or sudden transition. New money often brings unexpected emotional weight and administrative noise. I help you quiet the background static, protect the capital, and decide what this money means for your future.

How We Work Together

Clear, transparent pricing tailored to your needs.

Whether you need a one time check up, a comprehensive retirement roadmap, or specialized corporate planning, choose the tier that fits your situation.

Note: Clients choosing the Horizon Blueprint or Corporate Wealth Architecture tiers may transition into fully managed wealth services. Contact me to discuss integrating your planning and portfolio management.

  • Flat Fee: $1,000 | Single Focus Check up (4-Month Support)

    An objective, professional second opinion. This project maps exactly where you stand today and identifies immediate, high impact adjustments to optimize your momentum.

    • What I Review: High level trajectory mapping, a prioritized checklist of immediate wins (maximizing registered accounts, streamlining cash flow, and debt analysis), and an independent review of current holdings and insurance gaps.

    • Ideal For: Young professionals or self directed DIY investors wanting an expert gut check without a long term contract.

  • Starting at $2,500 | Comprehensive Wealth & Retirement Strategy (12-Month Partnership)

    Your financial master plan. I weave household income, investment accounts, and family security into one synchronized blueprint. Every dollar gets a distinct job, allowing you to enjoy your lifestyle today while safely engineering your retirement.

    • What I Build: A detailed 20+ year financial map to stress test major life milestones (retirement transition, property purchases), tax efficient asset structures for high earners, cash flow optimization, and an inheritance framework to fund education and protect generational wealth.

    • Ideal For: High earning households and families looking for absolute clarity on their retirement timeline and structural security.

  • Starting at $4,500 | Integrated Corporate & Personal Blueprint (12-Month Partnership)

    Engineered specifically for business owners and incorporated professionals. I treat your company as the main driver of your financial success, aligning corporate surplus with your personal family goals.

    • What I Build: A unified 20+ year map connecting corporate and personal assets, corporate surplus architecture (optimizing salary vs. dividend mixes and tax-efficient retained earnings investing), a risk and shareholder agreement audit, direct coordination with your corporate accountant, and an intergenerational wealth transition plan.

    • Ideal For: Incorporated business owners with straightforward structures looking to optimize corporate tax exposure and secure their legacy. (Target: Gross revenues from $250,000 to $1,000,000)

FAQs

  • Yes. I can audit your current portfolio or insurance policies, provide a second opinion, and ensure your strategies align with your goals.

  • I build risk adjusted portfolios around your short, medium, and long term goals. Whether you prefer passive, active, or socially responsible investing, your portfolio evolves with your life.

  • Yes, I work with clients both in person and virtually to accommodate their schedules.

  • Regular reviews are conducted semi annually, with additional meetings as needed.

  • I focus on building long term relationships with a personalized and transparent approach. No cookie cutter strategies, I provide advice that works in real life.

  • It all starts with a conversation. Book a free consultation, and we’ll talk about your goals, challenges, and next steps to get you on track.

Contact Me

Wealth does not happen by accident, it is built with the right plan and the right guide. Connect with Bo Banner Wealth today and take the first step toward the future you deserve.  

Relationships

Canadian Investment Regulatory Organization

The Canadian Investment Regulatory Organization (CIRO) is the national self-regulatory body overseeing investment and mutual fund dealers in Canada. Formed in 2023 through the merger of IIROC and MFDA, CIRO enforces compliance, investor protection, and industry standards under the authority of the Canadian Securities Administrators (CSA) to ensure market integrity.

Investia Financial Services 

A member of iA Financial Group, Investia Financial Services Inc. has been in operation since 1988. Now the largest independent mutual fund dealer in Canada, Investia offers a wide range of products and services associated with the distribution of mutual funds and segregated funds.

HUB Financial Inc.

HUB Financial Inc., a leading Canadian managing general agency (MGA) and part of HUB International, provides insurance, investment, and wealth management solutions to independent advisors. It offers access to major insurance carriers, technology, compliance support, and training, helping advisors deliver comprehensive financial solutions.

Disclaimer

Mutual funds, exempt market products and exchange traded funds are offered through Investia Financial Services Inc. The particulars contained herein were obtained from sources which we believe reliable but are not guaranteed by us and may be incomplete. The opinions expressed on this website have not been approved by and are not those of Investia Financial Services Inc. This website is not deemed to be used as a solicitation in a jurisdiction where this Investia representative is not registered.