Why this matters

We've watched too many smart, capable people freeze when it comes to money decisions. Not because they can't understand finance, but because the information they need is either scattered, too generic to be useful, or requires blind trust in institutions that haven't earned it.

We built Rebalance because we believe Canadians deserve better. We deserve financial guidance that speaks our language, respects our privacy, and meets us where we are. Without having to move all our accounts to one bank just to get helpful support.

The problem is both obvious and invisible

Canadians have limited options. Traditional financial planners often require thousands in assets just to get through the door. Bank websites only make sense if you move all your money there. And there's an undertone of judgment: Why haven't you saved more? Why did you make that choice?

So people turn to what's available: AI chatbots. Right now, 1 out of 3 Canadians are using AI tools to manage their finances.^[2] They're asking real questions about TFSAs, RRSPs, buying homes, managing debt.

But here's the problem: most AI tools learned from American financial data. They don't know the difference between a 401(k) and an RRSP. They can't tell you about provincial land transfer taxes or the Home Buyers' Plan. They give generic responses that are often wrong for Canadian situations.^[3]

So people paste their financial details into random chatbots, hoping for help. They get information that's either too generic, tailored for Americans, or just plain wrong.

What we're building instead

Rebalance is financial guidance that actually understands Canadian life. It knows about TFSAs, not IRAs. It's updated on this year's contribution limits and CRA rules. It understands that buying a home in Toronto is different from buying one in Halifax.

We're not trying to get you to switch banks or move your investments. We're not selling you products. We're giving you the information and confidence you need to make the right choice for your situation. Whether that's opening your first TFSA, deciding between paying down debt or investing, or figuring out if you're ready to buy.

Every answer is cited. Every recommendation comes with clear next steps. And everything is built with privacy and security at the core. Your financial information should never be the price you pay for getting help.

Why we care

We care because we've felt that freeze. We've watched people we love make financial decisions based on incomplete information or avoid making them altogether because the "right" answer felt out of reach.

We care because financial freedom shouldn't be reserved for people who can afford advisors or who have the time to piece together information from a dozen different sources.

We care because in a country facing real challenges (housing affordability, climate uncertainty, economic shifts), Canadians need tools that help them navigate, not ones that add to the noise.

Most of all, we care because we believe in what's possible when people have access to good information. Not perfect information. Not information that makes every choice for them. But clear, honest, judgment-free guidance that helps them take the next step with confidence.

Why we'll succeed

We're not the first people to build financial tools for Canadians. But we're building something fundamentally different.

We start from trust, not transactions. Other tools need you to move your money to make money. We make money by being genuinely useful—and that alignment changes everything.

We're Canadian-first by design, not adaptation. We're not translating American guidance. We're building from Canadian tax law, Canadian financial products, Canadian life circumstances.

We meet people where they are. If someone's already asking ChatGPT about their TFSA, we're not going to lecture them about it. We're going to give them a better, safer way to get the answer they need.

And perhaps most importantly: we understand that money is emotional. It's not just about maximizing returns or optimizing tax efficiency. It's about feeling secure enough to take the next step. It's about making progress without shame. It's about building the life you actually want.

What comes next

We're starting with the questions that matter most: TFSA vs RRSP. Rent vs buy. How to handle debt. How to budget after a job change. The moments where Canadians need guidance, not gatekeeping.

Over time, Rebalance will become the place Canadians turn for every money moment, big and small. A secure companion that knows your situation and helps you make the right choice, every time.

We're building this because Canadians deserve financial tools that respect their intelligence, protect their privacy, and actually help them move forward.

If that resonates with you, we'd love for you to join the waitlist and be part of what we're building.

The Rebalance Team