Meet Adam Chapman
Adam Chapman has built a reputation as a retirement-focused financial planner who helps clients enjoy the money they worked hard to save. With nearly two decades of experience working alongside older generations—often over a cup of afternoon tea—Adam’s practice blends technical expertise with behavioural coaching so retirees can spend with confidence, rather than simply hoard assets out of fear.
His guiding principle is straightforward: retirement planning should make life better in retirement, not just preserve wealth. Chapman helps clients design income strategies that are tax-effective, durable and aligned with personal values. He then guides them to use those resources in ways that feel rewarding, secure and sustainable.
Clients who work with Adam tend to do more than just increase their spending: they live more fully, give more intentionally, and reallocate time and resources toward the experiences and relationships that matter most.
| Services | • Financial Planning • Investment Planning & Implementation • Insurance Planning & Implementation |
| Specializations | • Investment Management • Retirement Income Planning • Pensions |
| Payment Model | • Fees paid by clients based on assets managed by advisor • Fees paid by clients for advice (not based on assets) |
| Languages written and spoken | • English |
Three services that set Adam apart
Adam summarizes his unique offerings as: layering tax-effective retirement income, creating reliable income sources clients cannot outlive, and coaching retirees to spend confidently. Each element addresses a different barrier retirees commonly face—tax leakage, longevity risk, and behavioural resistance to spending—and together they form a cohesive, practical retirement plan.
Why he became a financial planner
Adam’s path from serving tables to serving clients is rooted in a simple idea: meaningful service. While working as a restaurant server through university, he developed a passion for helping people directly. After completing a degree in finance and economics, he chose financial planning because it combines technical challenge with the chance to make a tangible, positive impact on people’s lives—without having to hold the mushrooms.
Adam’s approach to financial planning
Adam believes most people want to use the money they saved to enrich their lives or support loved ones, but find it surprisingly difficult to do so. His approach is behavior-informed and technically rigorous. He addresses both explicit questions—how to structure withdrawals, where to allocate assets—and the underlying behavioural obstacles that keep retirees from spending in line with their goals.
Practical steps in his process typically include assessing guaranteed income options, optimizing tax treatment of withdrawals, stress-testing retirement income plans, and providing ongoing coaching so clients feel comfortable executing the plan. The result is a retirement experience that matches the expectations people have when they imagine life after work.
Proudest professional achievements
Beyond technical credentials like the CFP designation, Adam highlights his certificates in palliative care and bereavement support as key achievements. These additional qualifications reflect his commitment to supporting clients through difficult life events and ensuring their financial and emotional needs are both respected. In retirement planning, important decisions often come alongside personal loss or health challenges; Adam’s extra training helps him guide clients compassionately through those moments.
A client success story
One memorable outcome involved a couple who chose to gift each of their children $100,000. One child, relieved of financial pressure, made a life-changing decision to expand their family—an outcome the parents did not expect but deeply treasured. This story illustrates how thoughtful financial decisions can enable meaningful life changes for both givers and recipients.
If money were no object
Adam prefers spending aligned with values over solely investing for impact. He argues that consuming and donating in ways that reflect personal values can produce more direct satisfaction and measurable outcomes than many investment products marketed as socially responsible. If financial constraints were removed, he says he would focus on environmental restoration efforts such as tree planting—an extension of his belief in tangible, positive impact.
Best and worst money advice he’s received
Best: “Be your own kind of saver.” Adam emphasizes that people should build a fulfilling life on their own terms rather than conforming to someone else’s savings model.
Worst: The simplistic mantra “always make your money work for you” can be misunderstood as prioritizing accumulation over quality of life. For Adam, putting money to work includes using it to accumulate more life, not just more assets.
- 📍 London, Ont.
- 🔗 Yesmoney.ca
- ☎️ 1-877-745-7792
- 🤳 linkedin.com/adamchapman519/