Helping Alberta Families Build Wealth & Protect What Matters Most

Planning Your Dream Life

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A Fresh Approach to Financial Strategy

Money can feel complicated. Insurance can feel confusing. Investments can feel overwhelming. That is why I created a space where you can talk openly and get clear answers.

Pay down debt, protect your family, and start building wealth. All at the same time.

Money is not just about debt, insurance, or investments. It is about how all the pieces fit together. If you are earning a steady income but feel like you should be further ahead, you are not alone. What you need is not a quick fix, but a strategy that helps you pay down debt, protect your family, and start building wealth at the same time.



I am Jocelyn Porter, a licensed financial advisor with the Alberta Insurance Council. Since 2009, I have been helping professionals and families across Alberta align their money with their goals.


Financial planning should not be about sales pitches or confusing terminology. It is about listening, understanding, and creating a clear plan that balances today’s responsibilities with tomorrow’s dreams.

Take the first step today.  

Book a free consultation and start building the financial strategy you deserve. 

What We Do

Realistic Goal Setting

From RRSPs and TFSAs to personal insurance and retirement planning, you can focus on what matters most: protecting your family, reducing debt, and building long-term wealth. Realistic goals to build your dream future.

Each Client is Unique

Each client is unique, and so are the solutions they receive as I go through a process to identify goals and what they want to happen in certain situations.  My complimentary services cover life insurance, critical illness insurance, disability insurance, long term investments, short term savings, debt management and budgeting. I help you build your dream future and make the most of your money.

Honest Advice, No Sales Pressure

Clients first is my approach: not sales quotas, not quarterly targets, not profitability minimums. Giving you the right advice that fits your specific needs.

A Safe Place to Talk About Money

Talking about money isn’t always easy. Many families keep finances private or feel embarrassed about where they are at financially.. With me, there’s no judgment, only support. Whether you’re dealing with credit card balances, saving for a first home, or planning retirement, I’ll guide you step by step.

You Make Good Money — So Why Is It Still Hard to Get Ahead?

At Dream Financial Planning, I work with many clients who earn a steady income but feel like they’re constantly spinning their wheels. The issue isn’t always how much money you make — it’s what your money is doing.


That’s where a balanced financial plan comes in.


We’ll start by getting honest about where things stand:


  • What does your monthly budget actually look like?
  • Are credit cards being used as a lifeline or convenience?
  • What would it take to become debt-free — realistically?

Then we’ll create a strategy you can stick with:


  • A clear debt repayment timeline — no guesswork, just real numbers
  • An insurance plan that protects your income and covers your liabilities
  • Automatic investment contributions that help you build long-term wealth


It's not about perfection. It’s about making your money work smarter — without sacrificing the life you want today.


Let’s build a plan that puts you back in control.

Will Your Money Last Through Retirement?

Whether retirement is five years away or twenty, now is the time to start asking the right questions.


This simple calculator will help you estimate how long your current savings might last based on your income needs, retirement age, and a few other key details.


It’s free, takes less than two minutes, and you’ll get the link right away.

Get the Retirement Calculator

Need Help?
Not sure what the numbers mean?
Let’s talk it through —  Click here to book your free 1-hour planning session.

Why I Do This: More Than Numbers

Every family deserves to feel safe, secure, and hopeful about the future. Too often, people are left confused by financial terminology or pressured into products they do not need. For me, financial planning is about more than money. It is about peace of mind, family security, and living the life you want.


Whether you are protecting your children, saving for life goals, or figuring out your budget, I am here to guide you with clarity and care.

Who do I help?

Young professionals

 Who are just starting to build wealth and plan for the future

Families

Who want life insurance and long-term financial security.

Individuals

With debt who feel overwhelmed and need a clear strategy and budget.

Young Individuals

Who want to get educated, start saving early and protect themselves

Small Business Owners

Seeking smart, tax-efficient strategies.

Why Choose Dream Financial Planning?

Honesty First

I believe in honesty, integrity, and family values.

Friendly

Enjoy the very best customer service because you are not just a number in a queue.

Real Understanding

I listen to understand your full situation to give you tailored advice.

Free Financial Advice

Together, we build an insurance and investment plan that meets your goals for the upside and protects you in the event of a loss.  We will plan a budget together and a debt repayment plan without a fee.

Plain English

Have your financial and insurance choices explained in plain English. Feel confident with the plan you go forward with, not confused.

Long-term Trust

I’ve been building long-term relationships with clients since 2009

Services

Insurance Protection

  • Permanent Life Insurance: Lifelong protection for you and your family.
  • Critical Illness Insurance: Financial security if you face a major illness.
  • Disability Insurance:   Protect your income if you can’t work. 
  • Mortgage & Debt Protection: Ensure your home and loans are secure. 
Learn more

Investment & Wealth Building

  • RRSPs & TFSAs: Grow wealth and save on taxes. 
  • RESPs: Save for your children’s education. 
  • Non-registered Investments: Flexible growth options. 
  • Retirement Planning: Build the future lifestyle you want. 
  • Short Term Savings: Save for vacations, Christmas or recurring yearly payments
Learn more

Let’s Start Your Journey

Together, we’ll create a simple plan that helps you protect your family, manage your money, and move closer to your goals and the life you dream of.

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I've had a fantastic experience working with Jocelyn (Dream). She is incredibly knowledgeable and takes the time to explain complex financial concepts in a way that's easy to understand. I feel confident with her recommendations on investment strategies and insurance. Her response time is prompt and I never feel left in the dark when I have questions. I highly recommend her services.

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Resources

Why Young People Should Consider Life Insurance Before 35

October 23, 2025
Most people in their 20s and early 30s don’t think much about life insurance. At that stage, you are often focused on building your career, paying off student loans, saving for a house, or starting a family. Working with a financial advisor like Dream Financial Planning can help you see how life insurance planning fits into your bigger picture. Let’s find out more.. Lock in lower rates One of the main advantages of buying term life insurance or permanent life insurance before age 35 is cost savings. Premiums are based on age and health. That means the younger and healthier you are, the less you usually pay. Waiting until your 40s can mean higher costs or difficulty qualifying due to your health issues. Do it now while it is cheaper Protect the people who depend on you Even if you don’t have children yet, you may have people who rely on your income. That could be a partner, parents, or siblings. Life insurance provides coverage that can help with living benefits, debt reduction, or education costs. For young parents, it can also support RESP contributions, childcare, or everyday family financial planning. Cover debts and major expenses Many young adults carry student loans, car loans, or credit card balances. These debts don’t always disappear if you pass away. Life insurance means your family isn’t left burdened. It can also protect a mortgage, safeguard your home, and help with estate planning. Plan for the future Life insurance is not only about covering the unexpected. It can be part of your long-term financial planning strategy. Permanent life insurance can create tax planning advantages, support succession planning, and form part of small business financial planning or business tax strategy. Starting early gives you a massive advantage. Peace of mind Perhaps the most valuable benefit is peace of mind. Knowing that your loved ones are protected allows you to focus on your career and grow your savings.  Ready to explore your options? Life insurance has to be bespoke to your needs. The right plan depends on your stage of life, your goals, and your budget. I would be happy to help create a personalized financial and insurance plan

Is Leveraging a Life Insurance Policy Right for You?

October 8, 2025
Life insurance is often seen as a safety net for loved ones, but did you know it can also be a powerful financial tool during your lifetime? Whether you're planning your estate, managing corporate obligations, or simply looking to enhance your financial flexibility, leveraging a permanent life insurance policy could be a strategy worth exploring. What Is Life Insurance Leveraging? Leveraging involves using the cash value of a permanent life insurance policy as collateral for a loan from a third-party lender. This allows you to access funds while keeping your policy intact - potentially unlocking long-term financial benefits without disrupting your estate plan. Why Consider Leveraging? A life insurance leveraging strategy can offer several advantages: Tax-free death benefit: Your beneficiaries receive the insurance proceeds tax-free. Tax-advantaged growth: The cash value within your policy grows on a tax-deferred basis. Interest deductibility: If the borrowed funds are used for eligible investments, the loan interest may be tax-deductible. Capital Dividend Account (CDA) credits: If the policy is owned by a corporation, the death benefit may generate CDA credits, allowing tax-free distributions to shareholders. Who Might Benefit from This Strategy? Leveraging isn’t for everyone. You may be a good candidate if: You need permanent life insurance coverage. You have liquid capital to fund the premiums. You’re in a high tax bracket (personally or corporately). You’re comfortable with borrowing and understand the risks. You have access to strong tax and legal advisors. How Does It Work? Here’s a simplified overview of how a leveraging arrangement typically unfolds: Fund the Policy: You (or your corporation) make deposits into a permanent life insurance policy. Secure a Loan: The policy is used as collateral to obtain a loan from a lender. Invest the Loan Proceeds: If the borrowed funds are invested in eligible assets, the interest paid may be tax-deductible. Premium Deductibility: In some cases, if the borrower and policy owner are the same, a portion of the premiums may also be deductible. Repayment Upon Death: When the insured passes away, the death benefit repays the loan first. Any remaining proceeds go to your beneficiaries. Note: If the policy is corporately owned but the borrower is a personal individual, additional tax and legal considerations apply. Final Thoughts Leveraging a life insurance policy can be a smart way to enhance your financial strategy—providing liquidity, tax efficiency, and estate planning benefits. But like any financial decision, it’s important to consult with qualified advisors to ensure it aligns with your goals and risk tolerance.

Insuring Your Most Valuable Asset

September 10, 2025
What is your most valuable asset? It’s a tough thing to think about, and not something that you often have to determine. Let’s face it, how can you possibly rank your home against your family against your health? Well, the common denominator in all these assets is you, and that suggests that you and your ability to earn income to support other aspects of your life is indeed your most valuable asset. This then begs the question, “What would you do if you could no longer work due to disability or sickness?” According to the 2022 Canadian Survey on Disability, over 2.6 million working-age Canadians (ages 25 to 64) reported having a disability (1). This means that approximately 10% of working-age Canadians may be unable to financially support themselves and their families if their ability to work is affected. It is possible that these 10% are confident in their financial security, but if their primary foundation - their income - is removed from the equation, they will likely have trouble meeting their financial obligations. How will you replace your income if you are disabled? Many people automatically think to their savings, but this is not actually the most practical approach. If you saved 5% of your income each year, 6 months of total disability would entirely wipe out 10 years of savings. Borrowing from a bank is also an option to consider, but it is important to keep in mind that banks will not be as willing to lend to someone who cannot work as to someone who can. What about your spouse’s income then? That’s an option too, but will you really be able to pay your bills and financially survive on one income? Does this mean giving up your family’s standard of living? Selling assets for cash unfortunately is not necessarily a viable option either. What if you do not get a fair market price when you sell? There are also taxes and investment risks to consider when you are paying for something with cash. There is an answer though, and a good one too! The solution you can count on if you are no longer able to work due to sickness or accident is an individual disability plan. This form of insurance policy provides disability coverage for a wide variety of circumstances while still being flexible for your specific situation. You are not replaceable, but your income can be. References 1. Statistics Canada, Canadian Survey on Disability, 2017-2022