Your Future Deserves a Centsible Start
Financial wisdom made simple — for newcomers, professionals, and business owners in Canada.
At Centsible Start, we help you make confident money decisions — from protecting your family and growing your savings, to investing and starting your own business.
Our services
At Centsible Start with JR, we offer a comprehensive suite of financial services designed to meet you where you are. Whether you're just starting out or planning for retirement, we're here to guide you every step of the way.
Insurance Services
Protect, grow, and prepare for the unexpected.
Life in Canada comes with many milestones — and protecting them matters. We help you find the right Life Insurance, Critical Illness, and Travel Insurance plans, while also guiding you through Segregated Funds, Annuities, and Registered Accounts (RRSP, TFSA, FHSA) to secure your financial future.
💡 Start building wealth with protection and purpose.
Retirement planning
Retire with confidence — not confusion.
Whether you dream of retiring early, traveling the world, or simply living comfortably, we’ll help you create a personalized retirement plan. Learn how to maximize your pension, RRSP, and TFSA while ensuring a steady income that lasts through retirement.
💡 Your future lifestyle starts with smart planning today.
DIY Investing
Learn to invest the right way — with confidence and clarity.
We simplify investing for beginners and self-starters. Discover how to build and manage your own portfolio, understand market trends, and use proven strategies that fit your goals and risk level.
💡 Empower yourself to make your money work for you.
Starting a Business
From idea to income — build your dream business in Canada.
Starting a business can feel overwhelming, but it doesn’t have to be. We’ll help you choose the right business structure, set up your finances, plan for taxes, and scale your brand sustainably.
💡 Turn your vision into a profitable reality.
Empowering your financial journey
Centsible Start with JR is committed to providing clear, actionable advice and support. We're dedicated to building lasting relationships with our clients, helping them achieve financial well-being, and empowering them to make informed decisions about their money.
"Centsible Start with JR has truly helped me get my finances in order. I feel much more confident about my future!"
- Happy Client