Licensed DR · Alberta · BC · Ontario
Canadian finance
for newcomers.
No bank fairy tales.
TFSA, RRSP, FHSA, real estate, exempt market. Real numbers, regulatory precision, no pushy sales.
Who I am and why this isn't another money blog
I'm Andrii Andriushchenko — a Licensed Dealing Representative registered with Axcess Capital Advisors Inc. Personally registered in Alberta, BC, and Ontario.
I work with people who moved to Canada and want to understand how the financial system actually works — without bank salespeople, without TikTok gurus, without promises of 25% returns.
On this page: my educational materials (all CCO-approved) and the option to book a discovery call.
7 free guides
Download, read, come back with questions.
TFSA + Exempt Market
How TFSA actually works. 5 mistakes that wreck the account.
Pension Deficit
CPP + OAS = $1,800/mo. Retirement expenses $4,500. How to close the gap.
GIC Alternatives
GICs pay 4%, inflation eats 3%. 4 alternatives that work better.
90 Day Freedom
Step-by-step exit from the $120K-salary trap in Calgary.
FHSA · first home
$8K/yr tax-deductible, $40K lifetime. How to use it right.
RESP · child's education
Government adds $7,200 for free. Three strategies.
Newcomer · 30 steps
What to do in your first 90 days in Canada. From SIN to first TFSA.
Consultation prep
What to bring, what to ask. Makes your first call 2× more productive.
Interactive tool
How much will your TFSA have in 20 years?
Not theory. Enter your numbers, see the gap between bank, GIC, and ETF with your own eyes.
Open the calculator$500/міс · 20 років · ETF 8%
$295K
vs $120K у банку
Calculator · Financial Freedom
When will you be financially free?
Exact freedom date based on your numbers. See how exempt market accelerates it by years.
Calculate freedom dateFamily · $11.6K/mo · ETF 8%
19 years
Exempt market: −1 year
Calculator · Mortgage
Canadian mortgage — 6 tools
Stress test, CMHC, early payoff, break penalty, investment, affordability — all in one.
Open calculator$650K · 20% · 4.5% · 25y
$2,890
Bi-weekly: −3 years
How it works
- 01
Download a guide
Pick the topic you're thinking about. Read. No email forms, no spam.
- 02
Book a call
30 minutes. Free. Discovery call is a regulatory KYC + suitability step.
- 03
Get a plan
If Eligible Investor — exempt market options. If not — educational plan via TFSA/RRSP.
Questions everyone asks
- The discovery call is free. If I recommend an exempt market product and you subscribe, I receive commission from the issuer. If not — you pay nothing.
Ready to figure it out?
30 minutes · Zoom or Google Meet · Available in Ukrainian, Russian, or English.
Book a discovery call