Decode Your Finances - Demystifying the Canadian Financial System

Our Services

Personalized solutions for every step of your financial journey in Canada

Understanding the Canadian Banking System

Discover the basics of how banks work in Canada

Checking vs savings accounts
Interac transfers and automatic withdrawals
Banking fees and how to avoid them

Debit and Credit Cards

Learn to choose and use your cards with confidence

Differences between debit and credit
How to choose your first credit card
Avoid fees and maximize rewards

Understanding the Credit Bureau

Learn the impact on your credit history and how to improve it

How credit works in Canada
Check and understand your credit report
Improve your credit score

Loans, Lines of Credit, and Mortgages

Better understand to better borrow

Types of financing (personal loan, line of credit, mortgage)
Loan insurance (life, disability)
Mortgage insurers in Canada (CMHC, Sagen)

Savings and Investments

Learn about different Canadian savings and investment vehicles

RRSP (Registered Retirement Savings Plan)
TFSA (Tax-Free Savings Account)
FHSA (First Home Savings Account)

Retirement Planning

Retirement planning and understanding the Canadian system

Canada Pension Plan (CPP)
Old Age Security (OAS)
Retirement planning strategies

Education Savings (RESP) & Disability Savings (RDSP)

Specialized plans for students and persons with disabilities

RESP (Registered Education Savings Plan)
RDSP (Registered Disability Savings Plan)
Government grants and bonds

Insurance & Protection

Understand essential protections to secure your assets and loved ones

Mandatory insurance (auto, home)
Recommended insurance (tenant, disability)
Family protection (life, critical illness)

Estate Planning & Succession

Protect your family and assets with proper planning

Will and power of attorney
Succession rules in Quebec
Tax planning and asset protection

Our Pricing

Personalized consultations via Zoom, tailored to your needs and budget

Discovery Session

$40 CAD

30 minutes

Personalized advice to identify your priority needs

Assessment of your situation
Priority identification
Personalized action plan

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In-Depth Session

$75 CAD

1 hour

Complete analysis and detailed recommendations

Complete financial analysis
Personalized recommendations
Optimization strategies
Email follow-up included

Follow-up Package

$200 CAD

3 x 1-hour sessions

Complete support over several weeks

3 one-hour consultations
Personalized follow-up
Unlimited email support
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Mission

Decode Your Finances is the first digital platform for personalized financial guidance specifically designed to demystify the Canadian financial system for everyone.

Created by a banking industry expert who is herself an immigrant, this initiative addresses a real need: understanding the Canadian financial system without pressure, at your own pace, step by step — whether you're a newcomer, member of a cultural community, or simply a Canadian wanting to better manage your finances.

Even if you speak English, it's easy to feel lost when faced with concepts like:

the difference between debit and credit cards,
the role of the credit bureau,
how variable or fixed mortgage rates work,
or the impact of your credit file on daily life.

Add to this cultural differences, specific tax rules, and a banking universe that's often difficult to decode.

At Decode Your Finances, we don't sell any financial products and don't belong to any banking institution. We believe in the essential role of banks and cooperatives in financial integration, but we offer a neutral and caring space, complementary to banking services, to ask all your questions, better understand the advice you receive, and move forward with confidence.

Vision

Our vision is to become the essential reference in financial education and support for newcomers and all people wanting to better understand the Canadian financial system.

We aspire to:

Strengthen everyone's financial autonomy,
Reduce inequalities in access to information,
Create a bridge between theoretical financial knowledge and the reality experienced by our clients,
Contribute to faster, more peaceful, and more sustainable economic integration.

Values

Our values guide all our actions and services:

Clarity – Simplify financial concepts to make them accessible to all.
Neutrality – Offer objective advice without commercial influence.
Accessibility – Adapt our support to all profiles and situations.
Kindness – Welcome each person with respect and listening.
Empowerment – Provide tools and knowledge to make informed decisions.

Kadiatou Traoré

Founder of Decode Your Finances

"Like many newcomers, I discovered the Canadian financial system with a mix of curiosity... and confusion."

✓ Director of Customer Service - National Bank (2024)
✓ Assistant Director Newcomers - Desjardins (2022-2024)
✓ 13 years in financial advisory
✓ Bachelor of Business Administration - Finance Specialization

Demystify the Canadian Financial System