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.
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 […]
Saving for Retirement Through Your Corporation: RRSP vs Holdco Strategies for Incorporated Canadians By Bill Craven, B.A., CFP®, EPCMutual Fund Representative |Life Insurance Advisor | Investia Financial Services Inc. Incorporated in Ontario and thinking about retirement? Your options go far beyond the average Canadian’s. This guide breaks down how using your corporation — or holding […]
ETF Funds vs ETFs in Canada: What’s the Real Difference—and Why It Matters to Your Money By Bill Craven B.A.,CFP,EPC “It’s easy to assume ETF Funds and ETFs are interchangeable. After all, they share the same acronym. But dig just a little deeper, and the differences can have a major impact on your investments.” Same […]
by Bill Craven Protecting Your Business in a Crisis: Disability Buy-Sell & Wage Loss Plans for Ontario Corporation Owners Tailored insights for incorporated professionals, medical practices, and business partnerships. What would happen to your business if you suddenly couldn’t work? For many incorporated professionals, it’s a question they’ve never seriously considered—until life forces the […]
Are Your Investment Fees Tax-Deductible? A Guide to Non-Registered Accounts and Tax Efficiency in Canada By Bill Craven Introduction: Why This Matters to Canadian Investors If you’re investing through a non-registered account, chances are you’ve already asked yourself: “Can I deduct my advisor’s fees?” It’s a smart question — and the answer can directly […]
