Financial planning for all of life’s transitions

Life can be unpredictable.

Your financial decisions don't have to be.

Clear, practical financial guidance to help you navigate life's transitions and make confident decisions about what comes next.

Looking for help with your finances?

Book Your Call With Avai

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No matter your circumstances, there's always a way forward.

Financial planning for everyday people.

You don’t need a certain net worth, a perfectly organized financial life, or all the answers before talking to a financial planner. You just need a place to start.

01. Individuals & Families

Building wealth, protecting the people you love, and making thoughtful decisions along the way.

02. CAF Members & Veterans

Making sense of the financial realities, benefits, and transitions that can come with military life.

03. Approaching Fetirement

Understanding what’s possible, what needs attention, and how to prepare for your next chapter.

04. Navigating Change

Career changes, separation, loss, inheritance, relocation, or other moments when the financial picture shifts.

The questions behind the numbers

Sometimes you don’t need another financial product. You need help figuring out what to do next.

Major life events often bring financial decisions. Some are expected. Others aren't. When several things are changing at once, it can be difficult to know what deserves your attention first.

Can I actually afford to retire?

Am I saving and investing enough?

What should I do with an inheritance?

How do my pension, investments and benefits work together?

What happens financially if something happens to me?

My life has changed. What needs to change financially?

Do I have the right insurance, or am I paying for what I don’t need?

I’m doing okay. So why don’t I feel financially secure?

Get your questions answered

Book Your Call With Avai

A strong financial foundation helps create peace of mind.

01.

Clarify

What's happening now?

Understand your current financial picture, goals, concerns, and priorities.

02.

Organize

What needs attention?

Bring the important financial pieces together into one complete picture.

03.

Plan

What options make sense?

Explore practical strategies based on your unique circumstances and goals.

04.

Move Forward

What steps come next?

Take your next steps with clarity and confidence.

Many people think financial planning begins with choosing investments. Avai starts somewhere more fundamental: understanding how money moves through your life.

When you understand where you are today, what needs your attention, and what you're working toward, you can make financial decisions with greater clarity and confidence.

The CashFlow Compass™ is Avai's proprietary financial planning process, designed to help every client understand their financial position and what it will take to reach their goals. Regardless of the size or complexity of your financial picture, the same four-step process guides your initial planning, regular checkpoints, and annual financial reviews.

Put The CashFlow Compass™ To Work For You

Get Started With Your Confidential Call

CFP®

Certified Financial Planner

20+

Total Years of Experience

10+

Supporting Military Families

You don't need to have all the answers before asking for help.

Avai Kochanoff, CFP®, is the founder of A. Kochanoff Financial Services and has spent more than 20 years helping individuals and families navigate financial decisions with greater clarity and confidence.

With more than a decade of experience supporting Canadian Armed Forces members, veterans, and their families, Avai understands the unique financial realities that can come with military life. A. Kochanoff Financial Services is also listed in the Government of Canada’s Military Transition National Resource Directory.

Her professional background in occupational therapy and mental health brings an added understanding of the stress, uncertainty, and competing priorities that can come with life's transitions.

Avai's approach is practical and personal: listen first, understand what matters most, and help clients make sense of the options in front of them.

Whether preparing for retirement, navigating a major life change, or simply trying to feel more in control financially, her goal is to help clients make informed decisions and move forward with confidence.

Clear guidance. Practical advice. Financial peace of mind.

Take your next step toward financial peace of mind.

Every financial plan starts with a conversation.

Money can be difficult to talk about. It can come with uncertainty, fear, embarrassment, or simply the feeling that you should know more than you do.

Your first conversation is confidential, judgement-free, and without pressure. You don't need to have your finances perfectly organized. You don't need to know the right questions to ask. And you don't need to make any decisions before you're ready.

It's simply an opportunity to talk about what's happening, share what's on your mind, and learn how financial planning might help.