A wealth strategy that coordinates your entire financial life and eliminates the guesswork using the SAFER methodology:

Safeguarding Assets Family Earnings and Retirement

Your Money's Working.
But Is It Working Hard Enough?

You've built an impressive income. 

You're saving

You might even be investing in your RRSP, TFSA, or a few properties.

But deep down, you're wondering: "Am I actually optimizing what I've worked so hard for… or just winging it?"

You've outgrown the basics. 

You want more than generic advice or cookie-cutter robo-allocations. 

You want strategy. 

Purpose. Precision. Protection.

You want your wealth to be SAFER.

This Is For You If...

• You earn a strong income ($200K+ household) and know you should be further ahead financially

• You've built some wealth, but feel like you're just winging it across multiple account
  
  
• You're hoarding cash because you're unsure what to do beyond RRSPs/TFSA
  
• You've got competing priorities: business, family, retirement, legacy—but no coordinated plan
  
  
• You're skeptical of advisors who talk down to you, give you vague advice, or push products you don't need
  
  
• You want someone who can see the whole picture, tell you what's missing, and bridge the gap between your financial plan and investment strategy

What You'll Walk Away With:

🛡️ SAFEGUARDED ASSETS

• Total clarity on where your money is going and whether it's aligned with your goals
  
• A proactive cash allocation plan that keeps your money working—so it doesn't stagnate in a savings account, but is aligned with short-term needs and long-term investments
  
• Asset protection strategies that shield your wealth from unexpected threats

👨‍👩‍👧‍👦 PROTECTED FAMILY

• Advanced Protection Planning that goes far beyond generic insurance to cover what actually threatens your family's future
  
• Estate planning coordination to ensure your legacy reaches the people you care about most
  
• Risk mitigation strategies that protect your family's lifestyle and financial security

💰 OPTIMIZED EARNINGS

• A personalized Smart Tax Plan that will help you lower your income taxes, now and in retirement, and in your investment accounts (e.g. TFSA, RRSP, Corp, Holdco, Non-Reg)
  
• Strategic income optimization across all your earning streams
  
• Tax-efficient wealth accumulation strategies

🏖️ SECURE RETIREMENT

• Our proprietary Cash Flow For Life Investing Strategy™—designed to bridge your financial plan with a smart, tax-efficient portfolio built to preserve, grow, and align your wealth with the lifestyle you want
  
• Retirement income planning that ensures your money lasts as long as you do
  
• A coordinated, actionable Wealth Blueprint—built around your income, assets, values, and long-term vision, then stress-tested across multiple "what if" scenarios to ensure it works when life happens

Protection That Actually Protects 

Most planners throw in some "life insurance" and move on. Not us.

I identify the financial landmines most people never see coming—until they're bankrupt, stuck in probate, or blindsided by a tax hit they didn't even know existed.

Think:

• A spouse without disability protection
• Critical illness derailing your income
• Outdated wills that gut your legacy
• Inheriting a problem that completely destroys your retirement that you never saw coming...but could have been prevented

I uncover and neutralize financial trainwrecks before it has the chance to derail your life.

Because real wealth isn't just about growing money—it's about keeping it.

What's the point of building all this wealth, if you don't put measures in place to protect it?

How We Invest:
The Cash Flow For Life Investing Strategy™

Most investment portfolios are built with a cookie-cutter 60/40 strategy, mutual funds, and little regard for how the rest of your financial life works.

That's not how I operate. I created the Cash Flow For Life Investing Strategy™ which is designed to help you:

• Grow wealth inside the right accounts —TFSAs vs. RRSPs to minimize taxes now and in retirement
  
  
• Diversify beyond the stock market to lower volatility and improve long-term performance
  
• Protect your wealth from inflation and market drawdowns
  
• Generate reliable income with alternative cash-flow investments (not just vanilla ETFs)
  
• Enhance after-tax returns with corporate class funds and alternative investments
  
• Mind your liquidity needs—so your money is available when you need it

This isn't just a portfolio.

It's a wealth strategy that bridges your financial plan and your investment plan—so your entire system works together to create peace of mind, predictable income, and financial freedom.

PLUS:

If you have $500K+ in investable assets, you'll be eligible for our comprehensive full service investment management offering.

A fully managed, fee-based investment service.

You’ll benefit from a professionally built, diversified portfolio with access to investment products not available to DIY investors — all with full-service, hands-off management so your wealth grows without the day-to-day work.

The Process:

Your Comprehensive SAFER Wealth Journey

🔍 Discovery & Foundation. We start with what other advisors skip: a genuine conversation about your life.

Our "Family Doctor" model means we're not just collecting account statements - we're uncovering your investing history, understanding what's worked (and what hasn't), and getting clear on where you want to go.

Through our structured data gathering process, we build a complete picture that becomes the foundation for everything that follows.

💭 Vision & Values Conversation. Here's where we dig deeper than most advisors dare to go. Our "Visions and Values Conversation" uncovers potential financial "trainwrecks" that could derail your lifestyle - and more importantly, the opportunities to help the people and causes you care about most.

📊 Custom Investment Strategy. With our Cash Flow for Life Investing Strategy™, you'll receive a personalized portfolio audit, followed by a customized portfolio designed specifically for your goals and risk tolerance.

We'll present your Investment Policy Statement with detailed breakdowns, ensuring every investment decision aligns perfectly with your financial aspirations and timeline.

🗺️ Your Complete Wealth Roadmap. Receive your fully customized financial model with specific action steps to pursue your goals.

We'll show you how to optimize cash flow, minimize taxes, and plan for "what if" scenarios.

This financial model answers your real questions such as: "What if I buy that cottage in five years?" "What if I retire early?" "What if the market crashes?"

Our Monte Carlo Simulation runs thousands of scenarios to demonstrate the probability of your plan's success, giving you confidence in your financial future.

🛡️ Beyond the Plan: Protection & Legacy. Using insights from our Visions and Values work, we identify the risks that could derail everything you've built and the transferable ones that don't have to be your burden.

We'll review your existing estate documents (if you have them) or help design new ones that actually reflect your wishes.

Then comes the often-overlooked piece: proper titling and beneficiary updates to make sure your plan actually works when it needs to.

Meet Michelle Hung

Hi! I'm Michelle Hung - CFA charterholder, Certified Financial Planner (CFP), and an advocate for financial literacy. 

I am a Senior Wealth Advisor & Associate Portfolio Manager at TriDelta Private Wealth, an independent wealth management firm based in Toronto. 

I am also an author of two books, The Sassy Investor and Investing for Teens: How to Save, Invest, and Grow Money.

I began my career in investment banking, having spent seven years working in capital markets in Toronto before transitioning into the financial education and financial planning space.

I've spent the last nine years helping Canadians, from new divorcees to retirees build meaningful, unbiased financial plans to help them reach their financial goals.

I graduated from the University of Waterloo with a Bachelor of Mathematics degree, specializing in finance, and obtained the CFA designation in 2014.

I am currently a member of the University of Waterloo Alumni Council.

Outside of the office, I enjoy soccer, hot yoga, golf, playing the piano, and spending time with my friends and family.

What My Clients Say

“I managed to create a budget in order to maximize my savings, get my finances organized, start investing in stocks and ETFs, and most importantly, lower my 2022 tax bill!” - Veronique W.

“Michelle went above and beyond to help me understand various concepts, and took the time to answer my questions in detail. I really appreciated her patience. She was approachable and easy to talk to.” - Tiffany Y.


"Michelle has helped me greatly and completely changed my finances. She helped direct my not only my finances, but also my attitude towards my money, investing, and saving. I look forward to applying my new found knowledge and am excited for the positive financial changes I will be obtaining." - Mariam V.

Client Transformation Stories

Retiring Smarter, Not Riskier

Nick (59) and Jen (51) looked financially secure on paper, with $1.3M saved for retirement — but underneath, they faced big questions.

Could Nick retire this year? Should Jen delay her pension? Were their RRSPs setting them up for a massive tax bill?

Their portfolio was heavily concentrated in stocks, overly risky, and misaligned with the lifestyle they envisioned. Worse, Jen’s initial plan to start RRSP withdrawals early would have cost them over $230,000 in extra taxes and triggered OAS clawbacks.

We built a smarter strategy: optimizing their pension timing, creating a tax-efficient withdrawal plan, and rebalancing their portfolio for stability and income.

By delaying RRSP withdrawals until 71, diversifying their investments, and building in reliable cash flow, we preserved $730,000 more in assets, saved them six figures in taxes, and set their estate on track to leave a meaningful legacy for their daughter.

Today, Nick is retiring with confidence, Jen has a clear plan for her pension, and together they have peace of mind knowing their wealth is working harder for them — not against them.

From Stuck to Strategic

For two years, Ann had been stuck in “analysis paralysis” about what to do with her money.

Divorced with two children — one still a dependent — she wanted to feel savvy and confident with her finances, invest the $60,000 sitting in her savings account, pay off her $400,000 mortgage before retirement, and align her investments with her values.

But without a TFSA or RRSP, and with a mortgage amortization stretched to 87 years due to rising interest rates, she was on track to never be debt-free and run out of money by age 75.

We built her a plan that optimized her tax savings, created a clear investment strategy, and gave her a path to financial freedom.

By contributing $15,000 to her RRSP (generating a $6,000 refund for her TFSA), investing $45,000 into a values-aligned portfolio of ETFs and dividend stocks, and setting up structured mortgage prepayments, Ann is now on track to retire in 11 years with $45,000 in annual after-tax spending.

By maximizing her TFSA contributions, she’ll save $49,000 in taxes in retirement, and with her updated will and powers of attorney, her family is protected.

Most importantly, Ann now has peace of mind and confidence. She knows her money is working for her, her mortgage will be gone before retirement, and she has options — whether that means downsizing, working another year, or keeping her side business for extra cash flow.

After years of uncertainty, Ann has a clear path forward and the freedom to design the retirement she truly wants.

Get Clarity on Your Finances

Schedule your Financial Clarity Call — a focused session where we’ll uncover where you are today, the gaps holding you back, and the next steps you need to move forward.

Here’s how it works:

1. Choose a time that works for you.

2. Fill out a short application form (this helps me prepare).

3. I’ll review your responses to confirm we’re a fit.

For those who qualify, you’ll walk away with:
✔️ A clear picture of your financial starting point
✔️ The most important priorities to focus on right now
✔️ Your personalized next step toward the future you want