B L Garbens Associates Inc. is a fee-for-service (fee only) financial planning firm based in Toronto specializing in delivering a comprehensive and integrated approach on all aspects of each client's financial situation.

Why call B L Garbens Associates Inc?


Professional Our advice is unbiased
We offer our clients a fee-for-service commitment ensuring a pure relationship free from the conflict of hidden agendas.

Our credentials are leading edge
We are committed to upgrading our knowledge through continuing education. Our affiliation with the Institute of Advanced Financial Planners, the Financial Planners Standard Council of Canada, and the Academy of Financial Divorce Specialists holds us to the highest standards.

We have proven expertise
We work with people from all walks of life offering expert advice on a wide range of issues and concerns, drawing from over 25 years of experience in financial services.

We pride ourselves on excellence
Each client is important. As financial planners, we strive to not only address a client's immediate concerns but to initiate a process whereby we lay a foundation for their future financial security and well-being.


Personal We are family-oriented
We encourage both spouses and other key family members to take part in the planning process. When applicable, we take a multi-generational approach to planning including the youngest to the oldest generation.

We value all relationships
It takes time to get to know our clients well. We undertake every assignment with a view to building a satisfying long-term working relationship.

We bring discipline to your efforts
We take a personal interest in your financial future and assist you in empowering yourself to take charge of your financial situation.


Proactive We keep in touch
We send out tri-annual newsletters, year-end tax planning tips, and a budget summary each year.

Annual reviews to keep you on track
Retainer clients will be reminded annually of the need to review their financial situation.

We let you know if legislative changes apply to you
After provincial and/or federal budgets we will notify you electronically regarding changes that may impact you and/or your family.