Help your money finally feel safe, clear and under control.
I help women in Canada become financially indestructible with simple, judgment-free planning — so you can stop stressing about money and start building a life you love.
- Personalized financial plans for women at every stage — from first paycheque to retirement income.
- Tax-smart strategies so you keep more of what you earn (not just what your accountant reports).
- Supportive conversations about money — no shame, no jargon, no talking down to you. Ever.
Smart, caring women who are done feeling behind with money.
My clients are women who are brilliant in many areas of life — careers, families, businesses — but were never truly taught how money really works. If that’s you, there is nothing wrong with you. You just haven’t had a guide and a plan designed around your life.
Age 25–35
Building a strong first chapter
You’re earning, maybe paying off debt, and want to “do it right” from the beginning — without sacrificing your life.
- Crush debt & build an emergency fund
- Start investing (without needing to be an expert)
- Decide: rent vs. buy, RRSP vs. TFSA, etc.
Age 35–50
Juggling kids, career, and cash flow
You’re in the busy middle — kids, maybe a mortgage, maybe a business — and money feels like a lot to carry alone.
- Align family spending with your values
- Save for kids (RESPs) and your own future
- Protect your family with the right insurance
Age 50–65
Designing a calm, confident retirement
You’re wondering: “When can I actually retire? Will my money last? What’s the smartest withdrawal strategy?”
- Retirement income planning (CPP, OAS, RRSP, TFSA & more)
- Pay down debt and free up cash flow
- Plan for healthcare, legacy & peace of mind
The Financially Indestructible™ Framework for Women
I don’t just sell products. I build a Financially Indestructible™ plan with you — step by step — so your money supports you in every season of life. It’s practical, holistic and very human.
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Pillar 1 — Foundations & Safety
We stabilize your financial “nervous system”: emergency fund, debt strategy, and core protection (the right insurance, not overpaying for the wrong stuff). -
Pillar 2 — Cash Flow & Clarity
Together we build a simple, sustainable spending plan so you know exactly what’s coming in, what’s going out, and how much is left to grow wealth — without obsessing over every latte. -
Pillar 3 — Growth & Strategy
We structure your RRSPs, TFSAs, non-registered accounts, and possibly your corporation (if you’re a business owner) to give you the best chance at long-term growth and tax efficiency. -
Pillar 4 — Freedom & Legacy
We plan your retirement income, real estate moves, and the impact you want to have on your kids, partner and community — so you can live generously and confidently.
Banks and many accountants look mostly at products and past numbers. I look at your entire financial house — income, debts, taxes, investments, family goals, business (if you have one) and your emotional relationship with money.
You’ll walk away with:
Financial advice designed for women, couples & families.
Everything starts with a conversation. From there, we choose the right level of support based on where you’re at and what you need most right now.
1:1 Planning
Financially Indestructible™ Plan
A comprehensive financial plan for women and couples who want to see the full picture and know exactly what to do next.
- Deep-dive intake & clarity session
- Custom financial plan & visual reports
- Tax optimization strategies (Ontario-focused)
- Implementation support & check-ins
Ongoing
Ongoing Guidance & Check-ins
For women who want a trusted advisor they can message, meet with and lean on as life and money evolve.
- Regular reviews (typically 2–4x per year)
- Accountability on your action steps
- Adjustments as your life, income or goals change
- Coordinating with your accountant, lawyer & other pros
Business owners
Women with Corporations or Side Businesses
If you own a business or corporation, we’ll connect your personal and business money so they work together.
- Salary vs. dividends vs. other income strategies
- Tax-efficient investing inside and outside your corp
- Protecting your family and your company
- Transition & exit planning long before you’re ready to sell
Simple, supportive steps — no overwhelm.
My job is to make this feel lighter, not heavier. Here’s what working together typically looks like:
We hop on Zoom, talk about where you’re at, what’s stressing you out and what you’d love to be different. You can ask me anything. If we’re not a fit, I’ll do my best to point you in the right direction.
If we choose to work together, we gather your numbers (income, debts, savings, statements) and your dreams. Then I map out what’s working, what’s leaking and where we can create quick wins.
You receive a clear plan with prioritized steps. We implement together and check in regularly. Over time, your finances go from “constant question mark” to “this actually feels handled.”
What changes when you have a guide on your side.
Names and some details are changed for privacy, but these stories reflect real clients I’ve helped across Canada.
From “I’m terrible with money” to “I’m actually ahead.”
I thought I was behind because I had student loans and no plan. Within a few months, we had a system where my debt was going down, my savings were going up, and I finally understood my RRSP and TFSA. The shame around money started to disappear.
Turning income into a real long-term plan.
We were making good money but had no idea if we were using it wisely. Michael showed us how to restructure our cash flow, use our corporation smarter, and set up investments for both our retirement and our kids. It felt like finally putting the puzzle pieces together.
“Can I retire without running out of money?”
I was scared to stop working because I didn’t know if my savings, CPP and OAS would actually cover my expenses. Michael walked me through different retirement scenarios and a sustainable withdrawal plan. I could see on paper: I was going to be okay.
You don’t have to do this alone. You can be smart, independent and capable — and still choose to have a trusted advisor helping you see your blind spots and opportunities.
We don’t do our own dental work. We don’t perform our own surgery. It’s okay to not want to DIY your financial future.
If this resonates, let’s talk. There’s no pressure to move forward — just a real conversation about your next best steps.
Hi, I’m Michael Santonato — your guide to becoming financially indestructible.
I was raised by two parents who were both bank managers. From a young age, I saw how money decisions could either stress families out or set them free. Over the years I’ve:
- Helped hundreds of clients across North America get clear on their money
- Built financial plans for women, couples, families and business owners
- Seen up close how accountants and banks often miss everyday opportunities to save people money
- Specialized in practical, tax-smart strategies for Canadians
- Developed the Financially Indestructible™ methodology
- Dedicated my work to helping people make money serve their life — not the other way around
When I work with women, my goal is simple: no jargon, no judgment, just a clear path forward. You bring your questions, worries and goals. I bring structure, strategy and support.
Common questions women ask me.
Do I need a lot of money to work with you?
No. Many of my clients are still paying off debt or feel “behind”. You do not need everything perfectly organized. That’s what I help with.
Are our conversations confidential?
Absolutely. Your financial details and stories are private. My role is to protect and support you, not to judge or share.
Do you sell products or just give advice?
My starting point is always advice and strategy. If specific financial products are appropriate, we’ll review them together and you’ll always understand why.
Can my partner join our meetings?
Definitely. Money is a team sport. Many of my clients invite their spouse or partner so everyone feels heard and on the same page.
Ready to feel calm and confident about your money?
Share a few details below and I’ll follow up to schedule a free 20-minute intro call. We’ll talk about your situation, your goals, and whether working together makes sense.