William (Bill) Craven, BA, CFP, EPC, is a seasoned financial expert with over three decades of experience in helping Canadians plan for the future with confidence. As the founder of Craven Financial Planning, Bill has built a reputation for delivering tailored financial planning and insurance strategies that align with each client’s unique goals, tax considerations, and long-term security.
Based in Chatham, Ontario, Bill is a Certified Financial Planner (CFP), Elder Planning Counsellor (EPC), and a Mutual Fund Representative with Investia Financial Services Inc. He provides trusted guidance on RRSPs, TFSAs, retirement income planning, life and disability insurance, estate bonds, and tax-efficient investment solutions.
Recognized for his integrity, personal service, and depth of knowledge, Bill works with individuals, families, and business owners throughout Southwestern Ontario to build financial confidence through personalized, values-based planning.
Craven Financial Preview — Do You Have Enough Life Insurance? Do You Have Enough Life Insurance? 7 Questions to Ask A practical review for families, farmers and business owners in Chatham-Kent By Bill Craven, B.A., CFP, EPC General information only. This article is for education and planning clarity. It does not replace individualized financial, insurance, […]
Before Harvest: What Happens to Your Chatham-Kent Farm If You Cannot Work? Before Harvest: What Happens to Your Chatham-Kent Farm If You Cannot Work? Disability, critical illness and continuity planning for Ontario farm families By Bill Craven Before Harvest, the Farm Cannot Simply Pause In the weeks before harvest, the pace quickens and the margin […]
The Great Retirement Roundup Why It May Be Time to Review Your Stray Retirement Accounts By Bill Craven Retirement has a way of turning up old financial trails. A pension from an employer you left years ago. A group RRSP that stayed behind after a job change. A TFSA opened at a bank because it […]
Disability Insurance Disability Insurance for Self-Employed Professionals in Ontario: What Happens If Your Income Stops? By Bill Craven, B.A., CFP, EPC General information only. This article is for education and planning clarity. It does not replace insurance, legal, tax, or accounting advice. Rules can change, and the right approach depends on your income, savings, family […]
Retirement Planning Insight Spousal RRSP: When It Works, When It Backfires, and How to Use It Well By Bill Craven B.A.,CFP,EPC General information only. This article is for education and planning clarity. It does not replace tax, legal, or accounting advice. Rules can change, and the right approach depends on your full income picture, benefits, […]
TFSA 2026: How to Use the $7,000 Limit Without Overcontributing By Bill Craven B.A.,CFP,EPC Most TFSA penalties happen during normal life. You top up in January, move money to a new institution, or replace a withdrawal, then your numbers drift without you noticing. This guide gives you a simple tracking system for 2026 so you […]
An Ontario Guide for Co-Owners An educational guide for Ontario business partners on how disability, buy sell funding and wage loss replacement plans can help protect ownership, employees and cash flow. By Bill Craven B.A.,CFP,EPC If you share a business with a partner in Ontario, you already know how closely your lives are connected. You make […]
Farm Succession in Ontario: A Practical Guide for Family Farms (with Insurance Strategies) By Bill Craven B.A.,CFP,EPC Farm Succession in Ontario: A Practical Guide for Family Farms Most family farms are land-rich and cash-poor. Value sits in acres, equipment, and quota, so a tax bill, debt call, or buyout at the wrong time can force […]
What to Do with an Inheritance in Ontario: Making the Most of a New Opportunity By Bill Craven B.A.,CFP,EPC “Inheritance planning isn’t just about receiving money — it’s about understanding the rules that shape it and using the right guidance to turn it into long-term security.” — Bill Craven, CFP®, EPC An Important Financial Milestone Receiving […]
RESPs in Ontario: How to Build and Use Them Strategically (Without Overpaying Tax) Smart RESP Planning for Families in Chatham, Windsor, London & Kitchener-Waterloo By Bill Craven, B.A., CFP®, EPC Why RESP Strategy Matters (Especially in Southern Ontario) Across Ontario, many families open Registered Education Savings Plans (RESPs) with the best of intentions — but […]
