Barbara L. Garbens  CFP, RFP, MBA

When I began B L Garbens Associates Inc. in 1998, I wanted to build a financial planning practice that was rooted in unparalleled client service. This focus, combined with my depth of knowledge, results in financial strategies that are tailored to every phase of my clients' financial life cycle.  From cash flow analyses and tax planning/preparation to estate, insurance and retirement planning, I take pride in understanding my clients' needs and guiding them through complex financial issues. My style is empathetic and my advice is practical. This combined approach opens up new options for my clients and delivers positive results. I am committed to maintaining a professional practice providing the best in impartial counsel for defined hourly fees.  With no products to sell, there are no hidden agendas and my clients appreciate receiving completely unbiased advice.

 My credentials include an MBA from the Schulich School of Business at York University and a BA from the University of Toronto. Over the years, I've added considerably to my financial acumen by achieving certification as both a Chartered Financial Planner and a Registered Financial Planner. In addition, I've completed the Canadian Securities Course and participate on an annual basis in a range of professional development conferences, forums and workshops that define the leading edge in planning practices. I am frequently quoted in the media in publications such as Money Sense Magazine, The National Post and Forum.