Financial peace of mind for individuals and familities
Financial planning for real life.
You don't need a certain net worth, a perfectly organized financial life, or all the answers. You just need a place to start.
Confidential. No pressure. Just an informed conversation about where you stand.
CFP®
Certified Financial Planner
10+
Over a decade helping Military Families
Professional planning for every stage of your Military Service
Military careers come with financial transitions of their own.
Some are planned years in advance. Others happen quickly. The important part is understanding what each change means for your whole financial picture.
Posting & relocation
Understand the financial impact of moving, changing costs and family decisions.
Promotion & career changes
Make intentional decisions as income, responsibilities and goals evolve.
Deployment
Keep finances, protection and family priorities organized before life gets busier.
Medical Release
Understand how changes in service can affect income, benefits, protection and long-term plans.
CAF Retirement and Release
Bring pension, benefits, savings, investments and your next chapter into one plan.
Life After Service
Keep adjusting your financial plan as civilian life, work, family and retirement evolve.
Experience that Matters
Your financial life doesn't fit neatly into one benefit statement.
You served within a unique financial system.
Your financial planner should understand it.
CAF financial decisions are connected. The goal isn't simply to understand each piece. It's to understand how the pieces work together in the context of the life you're building.
CAF pension and benefits
Retirement and release planning
Cash flow, savings and investments
Insurance and protection
Planning through all transitions
You don't need to figure it out alone.
Understand the Whole Picture
Bring the pieces together before deciding what comes next.
Your CAF benefits are important, but they're only one part of your financial life.
01.
Pension and Benefits
Understand how available benefits fit into your broader plan.
02.
Retirement Planning
Build a picture of what retirement can look like.
03.
Cash Flow
Know where you stand and how today's decisions affect future goals.
04.
Investments
Connect investment decisions to the rest of your plan.
05.
Insurance and Protection
Consider how coverage changes through service and beyond.
06.
Your Family and Future
Keep the people and priorities that matter most at the centre.
A clear process for a financial life that keeps changing.
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
More than a decade working with the CAF community.
Avai Kochanoff, CFP®, has spent more than a decade working with Canadian Armed Forces members, veterans and military families.
That experience means your conversation can begin with your life and your decisions rather than a lengthy explanation of military terminology and systems.
A. Kochanoff Financial Services is also proudly registered on the Government of Canada's National Resource Directory (NRD).
What it feels like to have clarity.
Financial planning is personal. Here’s what clients have shared about their experience working with Avai.
As Seen On
Financial PT Series
Financial PT is a short video series created specifically for Canadian Armed Forces Members, Veterans, and Military Families. Avai answers important financial questions about military life, release, retirement, pensions, benefits, and the decisions that come with transitioning to life after service.
Introduction
Drilling it Down
Welcome to Financial PT. Learn about the series and meet your host, Avai Kochanoff.
Episode 1
Superannuation
Certified Financial Planner Avai Kochanoff shares some advice for reducing financial stressors.
Episode 2
Pension Transfer Value Statement
Certified Financial Planner Avai Kochanoff shares some advice for reducing financial stressors.
Let's Get Social
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CashFlow Compass™ is a trademark of A. Kochanoff Financial Services Ltd.