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
Process for Success
10+
Over a decade helping Military Families
Professional Planning For Every Stage Of Life
Your financial life changes as your life changes.
Sometimes you're planning for something exciting. Sometimes you're navigating something unexpected. And sometimes you simply want to know the decisions you're making today are moving you in the right direction.
Planning For Retirement
Understand what's possible, what needs attention, and how your retirement income fits together.
Building and Protecting Wealth
Make thoughtful decisions about saving, investing, insurance, and protecting the people you love.
Navigating Change
Career changes, separation, loss, inheritance, relocation, or other moments when the financial picture shifts.
Finding Financial Clarity
Bring the pieces together and understand whether what you're doing today supports where you want to go.
Get The Whole Picture
Your finances don't exist in separate boxes.
Financial planning isn't simply about choosing a product or looking at one account. Avai helps you bring the pieces together, understand how they affect each other, and make informed decisions about what comes next.
Cash Flow
Investments
Retirement
Insurance
Estate Planning
Life Transitions
You don't need to figure it out alone.
A financial planning process designed to keep you moving forward.
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
As Seen On
How to Manage Money Anxiety
CTV News - February 26, 2026
Certified Financial Planner Avai Kochanoff shares some advice for reducing financial stressors.
Back-to-School on a Budget
Global News - August 17, 2026
Certified financial planner Avai Kochanoff shares some practical advice for back-to-school on a budget.
Tips For Back-To-School Savings
CTV News - July 22, 2026
Certified Financial Planner Avai Kochanoff chats about back-to-school savings and staying on budget.
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CashFlow Compass™ is a trademark of A. Kochanoff Financial Services Ltd.