Daniel Sitar
Financial Advisor and Portfolio Manager
BComm CIM® CFP® CLU®
I specialize in tax-efficient income planning and investment management to help clients reach their financial goals in retirement.
Daniel Sitar
Financial Advisor and Portfolio Manager
BComm CIM® CFP® CLU®
The relationships with my clients are built on a foundation of trust. I work with Canadians who are already retired or approaching retirement. Creating diversified investment portfolios and generating tax-efficient retirement income are my two main areas of specialization. My clients trust that the advice and strategies I recommend are done with their best interests in mind.
I was born and raised in Vancouver and have been an avid investor for more than 20 years. I graduated with a degree in Finance from the Sauder School of Business at UBC in 2009.
When I’m not reading about investing, you can usually find me playing sports (baseball in the summer, hockey in the winter) or in the kitchen, cooking for my friends and family.
Working alongside Bryn Hamilton and Anthony Ma ensures that we maintain a unique perspective. Our collaborative approach allows for areas of specialization while providing you with comprehensive team-based wealth management solutions.
BComm (Finance with Honours) – UBC
CIM® (Chartered Investment Manager)
CFP® (Certified Financial Planner)
CLU® (Chartered Life Underwriter)
CSC (Canadian Securities Course)
CPH (Conduct and Practices Handbook)
WME (Wealth Management Essentials)
Daniel is a Portfolio Manager with CIRO in BC, AB, ON and NS. He is a licensed insurance agent in BC and ON.
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Mental Accounting: Why We Treat Money Differently Depending on Where It Comes From
By Bryn Hamilton on 20 Jul, 2026
One of the most common, and very human, financial habits we see is something called mental accounting. Mental accounting happens when we treat money differently based on its source, label, or purpose, rather than viewing all dollars as equal. While this can feel logical, it often leads to decisions that work against our long-term goals. … Mental Accounting: Why We Treat Money Differently Depending on Where It Comes From
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CRA’s Digital Transition: What Taxpayers Should Know
By Anthony Ma on 14 Oct, 2025
In recent years, the Canada Revenue Agency (CRA) has been steadily moving toward digital communication. As of July 2025, that shift is accelerating. CRA has been notifying affected individuals by way of: Although there is no current guideline on CRA’s parameters for selecting which individuals are impacted, you should review your notification carefully if you … CRA’s Digital Transition: What Taxpayers Should Know
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Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?
By Daniel Sitar on 11 Sep, 2025
A recent article in The Globe and Mail got me thinking about a longstanding debate – is it better to invest in stocks or real estate? Of course, many Canadians own both and have built wealth through a combination of their homes and investment portfolios. The article includes the following chart, which demonstrates that the … Canadian Stocks vs. Real Estate – Which Has Been the Better Investment?
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Financial Impacts of Losing a Spouse
By Anthony Ma on 17 Jul, 2025
Losing a spouse or close family member is one of life’s most emotionally devasting experiences. Amidst the grief, there is a new financial reality that sets in. From funeral costs to a sudden change in household income, the loss can alter financial stability just as deeply as it shakes emotional foundations. The theoretical case study … Financial Impacts of Losing a Spouse
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The Impact of Behavioral Finance on Financial Planning
By Bryn Hamilton on 09 Jul, 2025
Understanding how behavioral finance impacts financial planning is crucial for Canadians aiming to achieve their financial goals. Behavioral finance examines the psychological influences and biases that affect investors’ decisions. Recognizing these factors can significantly enhance financial planning strategies. One key aspect of behavioral finance is the concept of loss aversion, where individuals fear losses more than … The Impact of Behavioral Finance on Financial Planning
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Drink the Wine
By Daniel Sitar on 24 Apr, 2025
One of the most common misconceptions of Financial Advisors is that we spendour time and energy convincing our clients to save more money. However, this isgenerally not the case. In part, because we work with thoughtful, well-organized,and successful families, we often spend more time trying to convince our clients to spendmoney in retirement rather than … Drink the Wine
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Case Study – When to Start Receiving OAS Benefits
By Bryn Hamilton on 14 Jul, 2024
Government benefits are often an area that gets confusing for Canadians as they plan for retirement.
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How to Protect Yourself from a New Kind of Financial Scam
By Anthony Ma on 13 Jul, 2023
Imagine you are sitting at home on your patio with a coffee in one hand and your cell phone in the other, listening to a voicemail that appears to have been left by your daughter.
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How Seniors Can Benefit from the Disability Tax Credit
By Daniel Sitar on 12 Jun, 2023
The disability tax credit (DTC) can be a powerful benefit for Canadians who qualify. It allows an individual with an impairment or supporting family member to reduce the amount of income tax they pay.
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2022 Tax Planning
By Anthony Ma on 21 Apr, 2023
Tax filing season is here and is probably at least in the back of your mind.
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Defined Benefit Pension Plans
By Bryn Hamilton on 14 Apr, 2023
Do you contribute to a defined benefit pension plan?
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What You Need to Know about Dividends
By Daniel Sitar on 07 Oct, 2022
If you own stocks in your investment portfolio – either directly or through mutual funds or exchanged traded funds – you are a part owner in multiple businesses.
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Old Age Security – a Few Considerations
By Bryn Hamilton on 28 Jul, 2022
Often when clients are approaching retirement, we get the question, “Should I defer Old Age Security (OAS) or automatically take it at 65?”
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The Downside of Tax Refunds
By Anthony Ma on 18 May, 2021
Tax time can come with its many challenges, including navigating through a pile of paperwork to ensure you haven’t missed reporting any tax slips to CRA.
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Federal Budget Updates
By Anthony Ma on 29 Apr, 2021
The Federal Government introduced its updated budget on April 19th.
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