Certified Financial Advisor · Canada

Let's Make
Smarter
Money Moves.

Julia Ajufoh-Obi brings nearly a decade of banking experience and a certified advisor's expertise to help you take control of your finances - with honesty, clarity, and a plan built around your life.

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10yr
Banking Experience
4
Service Areas
100%
Client-First
Julia Hero
Free
30-min Consultation
✦ Certified Financial Advisor
✦ Nearly a Decade in Banking
✦ Serving Canadians Nationwide
✦ Virtual & In-Person Available
✦ Free 30-Min Consultation

Sound Familiar?

Money questions you've
been putting off?

You're working hard. You're earning. But somehow - between the bills, the debt, the "I'll figure it out later" - your money never quite feels like it's working for you.

Maybe you're wondering if you're saving enough. Maybe you and your partner have been meaning to sort out your finances for months. Maybe retirement feels too far away to think about - or suddenly too close to ignore.

That's exactly where Julia comes in.

Let's Talk →
What I Help With

Your Full Financial
Picture, Covered

Whether you need one thing or everything, I can help you make progress in the areas that matter most.

01
🏠

Mortgage Referrals

Get the right rate, with the right people

Buying your first home, upgrading, or thinking about refinancing? I'll connect you with trusted mortgage specialists who will work hard to find you the best rate and terms for your situation - so you can stop worrying and start planning.

First-Time Buyers Growing Families Refinancing
02
📈

Investment & Savings

Grow what you've earned

Your money shouldn't just sit there. Whether it's a TFSA, RRSP, education savings, or a longer-term investment strategy, I'll help you build a portfolio that matches your goals, your timeline, and your comfort level.

Young Professionals Couples Building Wealth Long-Term Growth
03
🛡️

Insurance & Protection

Protect the life you're building

Life is unpredictable - but your family's security doesn't have to be. From life insurance to critical illness and disability coverage, I'll help you find the right protection for your unique situation, at a price that makes sense.

Young Families Income Protection Couples & Dependents
04
💡

Debt Solutions

A clear path forward - without the shame

Debt is one of the most stressful things to carry - and one of the most common. I'll help you create a realistic, step-by-step plan to manage and reduce your debt while still making progress toward your bigger goals. No judgement, just a plan.

Student Debt Debt Consolidation Credit Management
Julia About
10+
Years in Finance
About Julia

A Financial Advisor
Who Actually Gets It

Hi, I'm Julia - a certified financial advisor based in Canada with a passion for helping everyday Canadians make smarter, more confident money decisions.

Before becoming an advisor, I spent close to a decade working in banking. That experience gave me a deep, inside understanding of how financial systems work - the products, the processes, how institutions think, and honestly, the gaps. I saw firsthand how many people were being underserved: given generic advice, pointed toward products that weren't right for them, or simply left to figure things out on their own.

That foundation is what I brought with me into financial advising in Canada - and it's what I draw on every day. I wanted to take everything I'd learned from years inside the industry and use it differently - to give people the kind of clear, personalised guidance that the big institutions rarely have time for.

"I know how the system works. I'm here to make it work for you."

Let's Chat About Your Goals →
Why Julia

Why Canadians Choose
Smart Money with Julia

🏦

Inside Knowledge

Nearly a decade in banking means Julia understands how financial institutions think - and how to navigate the system entirely in your favour.

💬

Plain Language, Always

No jargon. No confusing fine print. Just clear, honest conversations about your money in terms that actually make sense.

🤝

Built Around You

Every person's financial situation is different. Julia takes the time to understand yours before recommending anything. You're not a file number here.

🇨🇦

Proudly Canadian

Julia understands the Canadian financial landscape - from TFSAs and RRSPs to provincial insurance rules - tailoring every recommendation accordingly.

📅

Flexible & Accessible

Virtual or in-person appointments available across Canada, scheduled to fit around your life - not the other way around.

❤️

No Pushy Sales

Julia's goal is to help you, not sell to you. If something isn't right for your situation, she'll tell you - and point you in a better direction.

Client Stories

What My Clients Say

"
⭐⭐⭐⭐⭐

"Julia made something I'd been putting off for years feel completely manageable. She broke everything down, answered every question I had, and I left our call actually feeling excited about my finances."

AM
Aisha M.
Toronto, ON
"
⭐⭐⭐⭐⭐

"My husband and I finally got on the same page about our money thanks to Julia. She helped us figure out our savings, insurance, and mortgage plan - all in one conversation."

KT
Kezia & Daniel T.
Vancouver, BC
"
⭐⭐⭐⭐⭐

"I came to Julia with a lot of debt and not much confidence. She was kind, practical, and realistic. I have a real plan now - and I'm actually sticking to it."

MO
Marcus O.
Calgary, AB
Free Download

First-Time Homebuyer Checklist (Canada)

Thinking about buying your first home? Before you talk to a bank or realtor, get clear on where you actually stand. This checklist walks you through every step - from savings structure to mortgage pre-approval - so you show up prepared, not stressed.

  • How to use your FHSA, RRSP, and TFSA for your down payment
  • The real cost of buying - beyond the down payment
  • How to stress-test your budget before you commit
  • Government programs and tax credits most buyers miss
  • When to bring in a financial advisor (and why it matters)
Download Free Checklist →
🏡
First-Time Homebuyer Checklist (Canada)
Smart Money with Julia · 2026
Clarify your readiness to buy Review and strengthen your finances Check and improve your credit profile Understand FHSA, RRSP HBP and tax credits Get mortgage pre-approval right Set a realistic, sustainable budget Stress-test before you commit
Download PDF - Free

No sign-up required. Instant download.

Common Questions

Questions Julia Gets Asked Most

Do I need a financial advisor to buy my first home in Canada?

+

Not legally, but it is one of the smartest moves you can make. A financial advisor helps you use the right savings vehicles for your down payment (FHSA, RRSP Home Buyers Plan, TFSA), structure your finances to qualify for the best mortgage rate, and confirm you are ready to buy without overextending yourself. Most people go straight to a mortgage broker without this step - and end up leaving money on the table.

What is the First Home Savings Account (FHSA) and should I open one?

+

The FHSA is the most powerful homebuying tool most Canadians are not using. You can contribute up to $8,000 per year (lifetime maximum $40,000), deduct contributions from your taxable income, and withdraw everything tax-free when you buy your first home. Even if you are not buying for a few years, opening one now starts your contribution room clock. I help clients set one up and integrate it into their full financial plan.

How much do I actually need saved before buying a home in Canada?

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The minimum down payment in Canada is 5% of the purchase price, but that is rarely the full picture. You also need 1.5-4% for closing costs (legal fees, land transfer tax, home inspection), plus a 3-6 month emergency fund. A mortgage stress test also applies at qualifying - most buyers are approved for more than they should actually borrow. I help clients find the number that makes sense for their life, not just what the bank will give them.

What is the difference between a TFSA and an RRSP for saving toward a home?

+

Both can be used toward a home purchase but they work differently. Your RRSP can be accessed through the Home Buyers Plan - withdraw up to $35,000 tax-free and repay over 15 years. Your TFSA is more flexible with no repayment required. The FHSA is now the primary vehicle designed specifically for first-time buyers. The right combination depends on your income, tax situation, and timeline - which is exactly what a financial plan helps you figure out.

Is the initial consultation free?

+

Yes. The first call is always free - a 30-minute conversation with no obligation and no pressure. You can book directly through this site. It is simply a chance to talk through where you are financially and figure out together whether working with me makes sense for you.

Ready to Make Your
Smartest Money Move Yet?

A single conversation can change the direction of your financial future. Book your free 30-minute call with Julia - no pressure, no obligation.

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Free 30-minute consultation · Available across Canada · Virtual or in-person

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Pick a Time That Works for You

Choose a time directly from Julia's calendar - free 30-minute consultation, no obligation.

Get In Touch

Let's Talk About
Your Money Goals

Whether you have a quick question or you're ready to book, Julia would love to hear from you.

📧
📱
Instagram
@smartmoneywithjulia
📍
Location
Canada - Serving Clients Nationwide
⏱
Response Time
Within 24 hours

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