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AFSWest
Independent · Unbiased · Alberta, BC and YT

Money Shouldn't Feel
Like a Fight

Whether you're a business owner planning for the future, a family building generational wealth, or someone who just wants their money to stop keeping them up at night — we'll build a plan that actually makes sense for your life.

Book Your Free Discovery Call
Take the 2-Min Financial Checkup

100+

Families & businesses served

15+

Years of experience

100%

Independent

0

Product pressure, ever

Included for Every Client
Every Client Gets a
Full Financial Plan

Whether you come to us for investments, insurance, or both — 

you'll never get a product without a plan behind it. We don't sell solutions to problems we haven't diagnosed.


Your financial plan is built around your life — not around a product shelf. It covers retirement projections, insurance gap analysis, tax optimization, and estate considerations. And it's included in your advisory fee. No extra charge.


See what a plan looks like — book a call →

Full Financial Picture

We look at everything — income, expenses, debt, savings rate, existing insurance, tax situation, and retirement timeline. Nothing gets missed.

Personalized Roadmap

You get a written plan with clear priorities: what to do first, what can wait, and exactly how each piece connects to your goals.

Ongoing Check-ins

Your plan isn't a binder that collects dust. We review it together regularly and adjust as your life changes — new job, new baby, new business.

How We Help


Offer Unbiased Advice

Independent advisors are not bound to any single financial institution or product. They can objectively evaluate the best solutions for their clients without conflicts of interest.

Promote Transparency

Independent advisors are required to disclose all fees and conflicts of interest, ensuring clients understand the costs and motivation behind the recommendations.

Holistic approach

We look beyond the portfolio to understand your complete financial picture. This creates a unified strategy where every decision supports your life's most important goals.

Customized Strategies

Without being limited to in-house products, independent advisors can design holistic, customized wealth management strategies to meet each client's unique goals.

Simple fee structure

Regardless of your asset level, we only charge a 1% advisory fee. There's no tiered system that favors the wealthy. Know more about fees.

Communication

We work as your dedicated team, always aligned with your goals. You will receive proactive communication and clear insights when it matters most.

Your Partner,
Not Just Your Advisor

I'm Davy Joly. I've spent over a decade helping families, business owners, and farm operators across Alberta, BC and the Yukon make sense of their money.

I'm independent — not tied to any bank or insurance company. That means when I recommend something, it's because it's the right fit for you, not because I have a sales target to hit.

I work in English and French, and I believe financial planning should feel like a conversation — not a lecture.


Davy has managed my financial portfolio for a number of years and I have always been pleased with his responsiveness and knowledge. He has tailored my retirement to meet my needs while striving to maximize taxation benefits. 

Jackie M - Whitehorse, Yukon

Davy has been advising us on our financial investments for a year now. He is always very responsive and available to answer our questions. We highly recommend him.

Anthony A - Calgary, Alberta

​​2 Min Quizz

2-Minute Financial Checkup

No login, no email required. Just 5 quick questions to see where you stand.

Our Partners and Providers

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