Founded by veteran financial professionals David Stewart and Cynthia Kett, Stewart & Kett has been offering unbiased financial advice since 1996. We were one of the first financial planning firms in Toronto to adopt an “advice-only” approach, which is grounded in one underlying philosophy:
We act in your best interests, and your best interests alone.
So, unlike some financial advisors, we offer fully transparent pricing and are paid directly by you – never by investment companies or banks for selling products, and without hidden commissions, trailer fees or sales bonuses. Our method is unique in its complete commitment to you, and your financial future. It’s what has helped our Canadian clients, whether living in Canada or in foreign countries, prosper for over two decades.
We offer a full spectrum of fee-only financial planning and tax services customized to fit your distinct needs. For the big decisions and the small, if you have questions, concerns or want advice pertaining to money, we have you covered.
The Stewart & Kett team is known for our expertise and the exceptional, longstanding relationships we build with our clients. Whether you’re just beginning to put your fiscal pieces in place, or have a solid start on where you want your finances to be, you can be confident that with us in your corner, your money will work harder – and better – for you, your family, and your future.
In our downtown Toronto office, by email, video call, or phone, we’d love to chat about making your financial goals a reality.
Dear Cynthia, Your keeping an eye on our finances give us so much peace of mind, and it's a treat working with you.
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!
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.
S&K’s money makeover for the Toronto Star set me on the right financial path to pay off my mortgage in record time.
Cynthia takes the time to get to know you and your financial goals, and makes complicated financial information easy to understand, even pleasant! After a few sessions with her, our financial lives were better organized, and our path forward very clear. We've been able to achieve more than we expected with her big picture analysis, financial planning fluency and guidance. I’ve recommended her to several friends. Working with Cynthia is like having an expert, coach and cheerleader all at once.
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.
There is a confidence that comes working with S&K, knowing that your affairs are being managed efficiently, in your best interest and a cost effective manner. What’s unique about this firm is their menu of services…and that their fees are based on time spent – not on what product they can sell you or on the size of your portfolio.
We were very pleased with Stewart & Kett’s thorough approach, attention to detail and their entire process.
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.
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.