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Noel D’Souza, P.Eng, CFP®

Money Coach | Not currently accepting new clients

Noel Specializes in Assisting:

  • Couples and Families
  • Professionals
  • Pensioned Employees
  • Retirees

Noel Specializes in the Following Services:

  • Business Cash Flow Planning
  • Financial Planning
  • Pre-Retirement Planning
  • Retirement & Pension Planning

“If you keep doing the same thing over and over, expect the same result. It’s time to think and act differently!”

Noel’s Style

Noel is friendly and approachable, and helps his clients by dispersing the fog that surrounds much of the financial world. He uses a sensible, easy-to-understand approach that not only gives his clients a plan, but involves them in its creation at every stage so they feel confident that they will be able to follow it and achieve their goals.

Noel’s Story

Noel has always been a planner at heart. He recognized at an early age that when taking on any complex project, having a plan greatly increases the chances of success and lowers uncertainty and stress. He has an innate desire to simplify and de-stress other people’s lives—believing that people have better things to do with their time than worry about money.

During the “dot-com boom”, Noel grew more aware of the opportunities – and the perils – of investing and the benefits of “conscious” money management. Learning all he could about personal finance from books, magazines, websites, and conferences, he applied his aptitude for problem-solving and desire for efficiency to optimize his own finances and those of his family. This independent learning and the success it brought convinced him to study financial planning in a more formal way, and before long he had completed the entire CERTIFIED FINANCIAL PLANNER® curriculum and passed the national exam.

Providing unbiased financial advice and helping others experience the joy of financial independence inspires Noel personally and professionally. Now, as a Money Coach and CERTIFIED FINANCIAL PLANNER® professional with Money Coaches Canada, he is passionate about helping his clients make the most of the resources they have to create the life they want.

Contact Noel For a Free Consultation


Having a plan relieves anxiety when approaching retirement

We knew we were in good shape, but with retiring early there was some anxiety with leaving a well paying position and uncertainty about managing cashflow and minimizing taxes. Working with Noel gave us a higher degree of confidence and a good plan to execute as we transition into retirement. We received a thorough analysis, good value for the fees we paid, and have already recommended Noel to our friends.

– Jim and Theresa D.

Can’t Thank You Enough for the Guidance You Provided to Us

I feel very comfortable with the direction we are heading with our money and retirement plans and can’t thank you enough for the guidance you provided to us. My main goals were to involve my husband more in our current finances (achieved), set a realistic retirement plan that we agree on (achieved), and begin working together to achieve it (in progress).

Thanks to you we had the difficult conversations about retirement that were causing me many sleepless nights. I appreciate all you have done for us, and I would highly recommend your services to anyone in future.

– Maryann F.

We now feel confident

With the knowledge we have learned from you we now feel confident that we can do our budgeting and short-term planning. We would like to thank you very much for getting our finances and budgeting on the right track over the last few years and tell you how much we appreciated your service.

– B. and G. Cooke

Beyond Grateful for the Plan to Get Ourselves on Track

Before starting to work with a Money Coach, dealing with finances day-to-day was absolutely agonizing and even the smallest decisions about money were incredibly painful.

Working with Noel has definitely helped our family feel more in control of our finances, and consequently, our lives. After getting our finances sorted out amidst a number of other big life changes, we feel like anything is possible.

We feel that the value we received for the services far exceed what we hoped to obtain when we initially signed up. We’re beyond grateful for the plan to get ourselves on track.

– Nick H.

A Plan With Clear Goals is Helping Me to Make Better Day to Day Decisions

I was pretty stressed out and embarrassed about my personal financial situation. I felt like I was spinning my wheels and not making any progress.

Noel was fantastic! I really enjoyed working with him. He created a safe environment for me to feel comfortable sharing information about my personal finances – a subject I am almost always uncomfortable talking about!

– C.P., Toronto