Janet Gray, B.A., B.Admin, CFP®, EPC, CPCA

Money Coach | Ottawa, ON

Janet Specializes in Assisting:

  • Business Owners/Self-Employed
  • Professionals
  • Pensioned Employees
  • Retirees

Janet Specializes in the Following Services:

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

“Money is a tool to achieve your goals. By working smarter not harder, you’ll ensure money is never your master.”

Janet’s Style

Janet’s warm, reassuring style, coupled with her energy and commitment to action, changes lives. Her clients quickly realize that she is more than a financial ally; she is a knowledgeable mentor and advocate in business and retirement issues. Janet’s financial plans are built on clear, attainable steps that make clients both excited and confident.

Janet’s Story

Before joining Money Coaches Canada in 2014, Janet worked as a full-service Certified Financial Planner® with a major Canadian financial institution for 13 years. Her specialized knowledge in both business and retirement issues has made her a go-to-expert for media outlets such as CBC, CTV, Global, The Globe and Mail, and MoneySense.ca and The Canadian Money Saver magazine. She can be seen regularly on CTV Ottawa Morning Live.

In 2009 she founded the Ottawa chapter of the Canadian Association of Retired Persons (CARP) which is now 10,000 local members strong. Her work as Chapter Chair to 2016 brought her in front of Senate and Commons committees and into conversations with many sector and community leaders. She is a Certified Professional Consultant on Aging (CPCA), an Elder Planning Counsellor (EPC) and a sought after speaker on financial planning and challenges in retirement.

Seeing the powerful shift that money mastery makes in people’s lives and businesses is what brings Janet the greatest satisfaction in her work.

“I strongly encourage clients to stay connected to their money and their financial goals.” Life is always transitioning; a business owner always has to adapt to change; retired people will have different needs in early retirement than they will have in later years; families transition through many stages starting with childcare through to higher education costs (and much in between). “With a well-planned ‘financial operating system’, you can adapt to these sorts of change with ease. An important role I serve is regularly checking in with clients, reviewing progress against their goals and being proactive and anticipating any transitions ahead.”

Janet is equally passionate about serving the needs of small business owners and entrepreneurs in her community. Janet has been a member of the Orleans Chamber of Commerce (now Ottawa Board of Trade) since 2001, winning the distinction of Financial Services Person of the Year twice. She has participated in many business development events, including “Dragon’s Den” style pitch opportunities for entrepreneurs to receive input on their concepts and business plans and she regularly acts as a mentor to new entrepreneurs. As an advocate of financial literacy, Janet has participated several times as a volunteer with Junior Achievement and speaks often to audiences on the topic of improving the financial knowledge base of all Canadians.

Contact Janet For a Free Consultation


We now have action steps and information to meet our goals

In the beginning, I felt like we didn’t have a good plan in place. It was hard to make short-term decisions without having a long term plan.

All our questions/concerns were addressed and we now feel we have the action steps and information needed to move forward and to make better financial decisions and meet our goals.

Janet was very patient with all of our questions. She is very knowledgeable and we found the planning process to be very useful. We received good value for the fees paid and we will recommend Janet’s services to friends and family. Thank you!

– Katie

I wish we had done this years ago…

Prior to meeting with Janet, my husband and I felt ashamed and intimidated and completely unsure about where we were financially and if we would be able to retire. The future was very uncertain and muddled.

Now, it’s like night and day. We know where we are financially and what we have to do moving forward. Not only did Janet help us with our day-to-day financial planning, but she walked us through what we have in place already and what we should put in place.

We came into this with our financial uncertainty and we gained clarity, but she also reviewed all our insurance policies, will, POA and more. Our financial report is inclusive of all elements that could impact our future. We have also noticed that as these financial uncertainties are not a part of our everyday life any more, that our relationship is also better knowing that we are both on the same page. We didn’t know that it was even a problem until it was gone.

All of our expectations were exceeded. We feel so much better, confident and secure in our knowledge of our financial health. Janet is an extremely clear communicator and fully explained what we should do and what we should consider. As these items are checked off our list, we feel more confident and secure as all these loose ends are tied up. Janet was very patient with us and very kind and encouraging in her communications with us. It was worth every penny! We will continue to have annual reviews with Janet and I have already recommended her to others.

– S. Graham

From overwhelming to clarity and confidence

I remember how I felt before working with Janet. In a word … overwhelmed. I was going through a number of life changes, i.e. retired, selling the house, moving to a different city … I was looking for an expert opinion to offer clarity & direction in order to ensure that I wouldn’t outlive my savings.

I now have the information I need to make better financial decisions. It was more than just about money too. For example, although I had a will & POAs (that I knew needed to be updated), I hadn’t previously fully appreciated the correlation – and peace of mind – that this also is an integral part of the planning process. Janet helped me to narrow in on my objectives and together we arrived at a realistic plan. Ahhh … it’s amazing what one can do with a clear & simple plan! I feel much better about my plans to reach my short, medium and long term goals with the Action steps provided.

I am confident that I have the knowledge and understanding required to achieve my goals – which is what I had set out to do. Having said that, it’s also good to know that I would know who to turn to if I felt I needed more advice.

It was a delight to work with Janet. I would recommend her services to others. Thanks!

– Doris D.

Now very clear on a strategy to achieve our retirement goal

Janet Gray is professional, thorough, personable, and sensitive. We would highly recommend her. We had a general idea about our retirement planning but were quite unsure about specifics.
The Money Coach process has been a tremendous help in planning for retirement. After working with Janet, we are very clear on a strategy to achieve our retirement goals.

– PS and JS

Feel More in Control, an Excellent Picture of my Future Finances

Before working with Janet, I was insecure and not terribly confident (about my finances). I now feel more in control, and Janet was able to give me an excellent picture of my future finances and strategies for taking charge of them myself. I enjoyed meeting with Janet and felt very comfortable giving her very detailed information about my life. I feel I received good value for the fees paid and I will continue working regularly with Janet. I have already recommended Janet to a friend.

– Susan

Empowerment and Confidence

I will spread the word to other single women about your program–it is the Cadillac of financial advising because we become empowered to do it ourselves, or at least, understand it all and move forward in life with confidence.

– J.

Common sense and practical strategies

With Janet, I was able to make well-informed decisions about my personal finances. Janet was very instrumental in establishing my financial plan and future where her professionalism, in-depth knowledge, objectivity and experiences determined how I can better improve my personal finances through common sense and practical strategies that will support my real estate investment business. Janet is first-rate and invaluable in the financial planning industry.

– Michael, Creative Real Estate Investor

Financial guidance and support

Like most, financial planning wasn’t always on the top of my priority list. As a divorced parent, I often felt I didn’t have any extra money to invest. Janet changed my way of thinking! With her professional advice and attention to detail, always based on my personal situation, she changed my focus and helped change the direction of my financial goals. A straight talker, Janet always took the time to explain what was important and why, and always made time for me regardless of my limited resources. With the help of Janet’s financial guidance and support, today I feel empowered and in way better control of my financial future. I would definitely recommend Janet as a money coach!

– Nancy D.

Taking care of my best interests

I met Janet Gray about two years ago as she was recommended by one of her other clients that I work with. Janet was very pleasant, extremely knowledgeable and confident over the phone and I decided to meet with her to discuss my finances. After meeting with Janet I had a much better understanding of my finances and how to move forward with my RRSP’s, savings and overall financial situation. It was my first time meeting her, but it was like talking to an old friend. I felt safe knowing that she was taking care of my best interests and trusted her completely.

– Carlene S.

Possible for me to live my dream

For many years Janet Gray was my financial advisor . As she helped me build my portfolio she also helped me plan for my daughter’s university education. Janet was my closest advisor when I transitioned from a being a CTV News Anchor to launching my own company, Ottawa Media Group. Her personal touch and attention to detail made it possible for me live my dream of running my own company and now we have 18 associates.

– Kimothy W.

Easy to understand, client focused

Janet saved my financial life. She explains everything in easy-to-understand language and helps you to reach your financial goals. Janet has all the best qualities of a professional financial advisor: she’s thoughtful, methodical, empathetic, personable and client focused. I trust Janet’s advice implicitly and would recommend her to anyone looking for a financial coach. She’s the best money coach around!

– Marc B.

Sound and honest professional advice

What we most liked about Janet’s advice is that she provided us with sound and honest professional advice based on our circumstances. At no time did we feel she was trying to “sell us” anything but guidance in managing our financial affairs.

– Dale and Denis L.

Personal and customized

Janet made it all easier for me!!! Her personal approach allowed her to capture the scope of what I was looking for with my finances. She listened to my future plans and customized my plan to meet my financial goals. She always talked with me on MY level and did so with a genuine smile on her face. She always made time for me to meet in person or chat on the phone. And most importantly, she made me confident with my money!!! In my opinion, you would be crazy not to select Janet as your money coach.

– Dale K.