Individual Advisory
Planning, guidance, and products to meet your needs.
From insurance & investments to tax & estate planning, we provide clear, straightforward advice and access to carefully selected financial solutions through a network of trusted partners.
Financial Planning
Do you have a personal financial plan?
Effective financial planning looks beyond day‑to‑day decisions to understand how income, assets, tax considerations, risk management, and long‑term goals work together. For some individuals, this may include coordinating personal and professional considerations—but the foundation is always a well‑designed personal plan.
Red Seal Financial Ltd. offers fee‑for‑service financial planning for individuals seeking thoughtful, comprehensive guidance. Our planning services work together to form a clear roadmap—supporting informed decisions, ongoing reviews, and meaningful financial literacy.
For business owners, personal planning matters even more.
Owning a business often adds complexity to personal finances, not clarity. Income, savings, tax planning, risk management, and long‑term goals are frequently intertwined with the business—making a well‑designed personal financial plan essential.
A strong personal plan provides the foundation for informed decisions, helping business owners coordinate their personal and professional lives with greater confidence and intention.
Meet your Advisor
DAWN VADER, CFP
Red Seal Financial Advisor
After 15 years with BMO Bank of Montreal in Commercial roles & Private banking, Dawn founded her own financial planning company, Red Seal Financial Ltd.in 2013. She has worked with many individual and business clients coaching them to implement defensive Insurance based strategies and to put tax efficient investment & savings plans in place.
Together with a CPA, CMA partner, Red Seal offers full financial planning engagements for businesses and family partnerships.
Additional Offerings
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Red Seal Financial Ltd. can offer you three types of life insurance:
Term Life Insurance
Whole Life Insurance
Universal Life Insurance
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At Red Seal Financial Ltd. we believe a will forms the foundation of your financial plan. We will work with you, in conjunction with your lawyer, to ensure you have a valid will, enduring power of attorney and a personal directive. If you don't have a lawyer we can refer you to a law firm we have partnered with who offers will & estate planning services at a discounted rate for our clients.
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With different products available for full-time, part-time or home-based workers, disability or critical illness insurance is the perfect solution for professionals, business owners, business executives and other employed Canadians. An individual disability insurance plan can help you meet your income requirements so you can concentrate on recovering and returning to an active life.
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If you travel without emergency medical insurance you are taking a huge risk that you may not be able to get the medical attention you need in the event you get ill or are injured. Whether your trip is short term or long term, RedSeal Financial has an Edmonton-based travel insurance solution to fit your need.
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We are not a licensed mortgage broker; however, we have relationships with preferred providers who are licensed. If you would like an introduction, we would be happy to facilitate.
In working with us, e can help you crunch the numbers on what you can afford rather than simply tell you how much you qualify for. We can also help you find the right type of mortgage insurance for your needs.
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Red Seal Financial Ltd. is able to offer a variety of investment options in both registered (RRSP, RRIF, RESP, TFSA, etc.) and non registered accounts. Our license enables us to offer GIC's, annuities and segregated funds. We also work with private wealth managers who offer our clients personalized portfolio management.
Following an investor risk tolerance profile, we will recommend options that will help you achieve your investment goals.
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If you don't have coverage because you're self employed, recently unemployed, or work for a small employer who doesn't provide this coverage you can apply online today to get covered. Red Seal Financial has two Edmonton based solutions for you.
The first option is for people who have recently left an employer where they had coverage and would like to continue to have coverage. If you apply within 60 days of leaving your employer you can qualify without any medical underwriting.
The second option is a medically underwritten health insurance plan that offers a full range of health & dental coverage for you and your family.
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A personal pension plan is a type of retirement savings plan that an individual can set up to save for their future financial security.
For business owners with who draw a salary from a business with consistent, predictable cashflow, a PPP can create additional tax-deferred room beyond your RRSP to you withdraw in retirement.
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We offer individuals a 12-month program to help build a budget game plan to pay down debt, meet needs, and meet personal financial goals.
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It used to be that an HIV positive diagnosis meant you were uninsurable. Times have changed and Manulife Financial is leading the charge. If you have been diagnosed as HIV positive you can now be considered for life insurance coverage up to two million dollars.
Does this sound like something you need?
If you’re an individual or business owner who would benefit from a coordinated personal financial plan, we’d welcome the opportunity to help.
Financial Resources
Looking for additional information on insurance or investments? We’ve gathered practical resources and tools to help you make confident decisions for you and your business.
Our Full Service Offering
My husband and I worked with Dawn Vader from Red Seal Financial to get some financial planning advice for our family. We had never worked with a financial planner before and really appreciated the time she took to answer our questions.
She was great at helping break down complex ideas into simple, easily understood concepts. She took the time to understand our situation and made recommendations that we were comfortable with. She even gave us time to digest the recommendations and so we were able to make decisions in our own time. Dawn Vader is a great financial planner and we would recommend her to anyone!
- Angela McPhee
Sound like something you need?
If you’re a business owner or founder that needs to make a plan for your next stage of business growth we’d love to help.