You're juggling a lot. Your plan shouldn't add to it.
Jim Pan, CFP®, an advice-only planner who doesn't sell you anything, builds a comprehensive plan around your family, so your mortgage, investments, taxes and retirement get planned together instead of in silos.
The questions that keep coming up at the kitchen table.
Should we pay down the mortgage or invest?
Both matter, and they're competing for the same income.
How much should go to the kids' education?
Saving for school without putting everything else on hold.
What do we do with these RSUs?
When to sell, what to keep, and what it means at tax time.
Do we have the right coverage?
Enough to protect your family, without paying for what you don't need.
Are we doing enough for later?
Planning for retirement while today's costs keep coming.
How do we help Mom and Dad?
Making room for the support your parents may need.
You don't have to answer these one at a time.
They're all connected. Jim builds one plan that answers them together, so you can see how each choice affects the others and know what to do next.
Advice built around your family, not a product.
You pay us directly, so the only thing we offer is advice. Here's what that means for you.
Book your free 45-minute callAdvice-only, fee-only
A flat fee you know up front.
No products or commissions
Nothing to sell you, ever.
Your interests first
Jim has signed the FPAC Fiduciary Pledge.
You stay in control
Your investments stay at your own brokerage, in your name.
One plan for the whole family
Mortgage, RESPs, RSUs, insurance, retirement and aging parents, coordinated in one place.
Meet Jim Pan, CFP®
Jim has worked in financial services since 2010 and has been a CFP® professional since 2015. After years in the traditional financial industry, he made Panorama fully advice-only in 2024, so clients pay for planning and advice, not financial products.
You'll work with Jim directly, by video, wherever you are in BC, Alberta or Ontario.
- CFP®
- FP Canada
- FPAC
- STEP member
What clients say
What to expect from your 45 minutes with Jim
A relaxed conversation about your family, with no pressure to sign anything.
- Step 1
Talk about your family
Your priorities, your income, and the decisions on your mind right now.
- Step 2
See how planning works
How Jim builds an advice-only plan and what the flat fee covers.
- Step 3
Decide together
No obligation and no pressure. If Panorama isn't the right fit, Jim will tell you.
Common questions
Do you manage my money?
No. Jim builds your plan and tells you what to do. Your accounts stay at your own bank or brokerage, in your name.
How does Jim get paid?
Panorama is fee-only. You pay a flat fee for the plan, and Jim earns no commissions, so his advice isn't tied to anything he sells.
Do you sell insurance or investments?
No. Jim doesn't sell financial products. If your plan calls for more coverage or a new account, he'll tell you what you need and you choose where to get it.
What happens on the free call?
Jim asks about your family, your income, and the decisions on your mind. He'll explain how planning works and what the fee covers, and you decide if it's a fit.
Should my partner join the call?
If you can, yes. Most of these decisions affect you both, so it helps when you both hear the same advice.
Do I need to prepare anything?
Not for the first call. If you decide to work together, Jim will tell you which documents to gather.
Do you work outside BC?
Yes. We work with families in BC, Alberta, and Ontario by video call.
Is the call really free?
Yes. It's 45 minutes with no obligation. If we're not the right fit, Jim will tell you.
Let's find a time that works for your family.
Answer a few quick questions, then pick a time on Jim's calendar.
Jim Pan, CFP®45 minutes · By video · FreeLet's look at the whole picture, together.
One plan for your family's biggest decisions starts with one call.
- Free 45-minute video call
- No obligation
- Advice-only, nothing to sell
Questions first? Email [email protected]