Are you seeking an advisor who can assist you with all aspects of your finances?

Skeptical of recommendations made by advisors who also sell financial products?

Do you wonder how recent life changes will impact your future finances?

We can help.


Stewart & Kett was founded in 1996 by David Stewart and Cynthia Kett, each of whom had predecessor financial planning practices. They shared a core belief that clients were best served by an advice-only approach to financial management – one that wasn’t influenced by the sale of financial products.

Stewart & Kett works collaboratively to develop, implement, and monitor strategies for the benefit of their clients. This provides a single point of contact for the coordination of the clients’ advisory team.

Stewart & Kett came highly recommended to my wife and I by a friend. We established a good rapport and felt very comfortable with Cynthia; we weren’t treated like “just another client” or talked down to, which was important to us. Over the years, our needs have changed from simple accounting and tax related work to financial/estate planning, advice for our small business and implementing regular financial reviews with our broker. Cynthia’s ability to explain complex financial matters to us in easy, understandable terms has been invaluable.

J. S., retired corporate executive and business owner

We were very pleased with Stewart & Kett’s thorough approach, attention to detail and their entire process.

L. and L. K., retired business owners

We can’t say enough about the excellent counsel and professional advice we received from Stewart & Kett! Their genuine concern for our family’s welfare, and caring, thoughtful approach to our financial planning is what impressed us most. Their quality of service is above and beyond what we’ve experienced with other firms. The best part about working with the people at S&K is the personal connection: during our interactions, we always felt that we were more than just another client. Without reservation, we’ve enthusiastically recommended their services to our close friends and relatives.

C. L., educator, and C. L., professor and author

Stewart & Kett’s fees have more than paid for themselves through returns and savings since I became a client over ten years ago. David Stewart and Andrew Rice are attentive and accessible. I have 25 years of direct experience in financial services, and the depth of detail provided by S&K has still given me significant, valuable insight. Having an independent, advice-only financial advisor is a sound strategy, and Stewart & Kett has been the logical, validated choice for my family and me.

R. W., former Sr. VP, major Canadian bank

S&K were recommended by a colleague and I’ve been a client since. I like their straightforward approach: they quickly assess my needs, are very responsive, and client-focussed. Along with preparing my personal and business taxes, they’ve advised me on investments, retirement, my company and my estate.

M. C., retired business owner

We’ve worked with David Stewart and Andrew Rice for over twenty years and find them open, friendly and totally professional. Their integrity, attention to detail and timely reporting gives us the confidence and comfort we need in our finances.

A. G., former President of a major multinational technology company and E. G., former executive of a Canadian industrial company

We rely on Stewart & Kett for financial counselling because they provide timely advice at a fair price. They’ve invested the time to get to know our family and the intricacies of our finances. S&K are impartial when assessing opportunities, so we never feel they’re trying to sell us something. They also don’t charge for minor questions and requests, which is refreshing! Last, but not least, we like, trust and respect Cynthia personally. She and her team are highly professional in all of their dealings.

G. T., former President & CEO of a public corporation

Cynthia has such integrity. She truly cares about my family’s well-being; I appreciate that even more than the excellent advising, which is always first class.

My family and I appreciate the objectivity S&K’s advice-only approach brings to our unique circumstances and finances. They’ve been with us to help plan career changes, marriage, post-secondary education, retirement, and our estate. They prepare our tax returns and handle communications with the Canada Revenue Agency on our behalf. They’re an invaluable personal finance resource.

J. D., investment executive

Dear Cynthia, Your keeping an eye on our finances give us so much peace of mind, and it's a treat working with you.

SG & GG, retirees

Thank you for helping us firm up our wandering thoughts at a crucial point in time. We were decided, then undecided on the way forward. Now, as you know, we have chosen our path with your guidance and gentle encouragement. We appreciated your blunt, wise, practical advice. Your direct, no soft-shoe analysis and advice recalibrated our entire direction. We are now in a position of financial security and peace of mind. We have a very happy new investment account that will fund all the travel we can ever hope for, if the pandemic allows us to ever travel again!

DP and MQ, retired professionals

Cynthia, I just wanted to send a short note updating you of my financial status and thanking you again for giving me the confidence to continue as a self directed investor way back in 2010/2011. To be honest, I never imagined in a million years that I would be a millionaire at any point in my life whatsoever! I enjoyed your calm and sensible manner, your patient advice, and your ability to speak plain English when discussing investments and financial matters.

SG, semi-retired technical writer