6DECEMBER 2025Editor's NoteSmarter Strategies for Modern Financial PlanningFinancial decisions today are being made in an environment that is more complex, interconnected and digitally driven than ever before. As markets grow more volatile, regulations evolve, living costs rise and life expectancy increases, both individuals and institutions are reassessing what effective financial planning really entails. Investors are moving beyond static, set-and-forget plans and seeking strategies that are resilient, data-backed and responsive to change.Across Canada, financial planners are increasingly turning to advanced analytics, artificial intelligence and integrated advisory platforms to deliver more precise, goal-oriented guidance. From retirement and estate planning to tax optimization and investment diversification, modern financial planning services are strengthening decision-making through real-time insights and evidence-based forecasting.Risk management and operational discipline are also coming into sharper focus. As financial institutions grow more dependent on external technology providers and partners, third-party governance and due diligence have become essential pillars of long-term stability. Organizations that invest in structured oversight, transparency, and accountability are better positioned to protect value and sustain trust in an interconnected financial ecosystem.In this edition, we highlight organizations advancing Canadian financial planning through AI-driven analytics, strong data foundations and disciplined risk oversight. We also present insights from expert CXOs, such as Ziv Deutsch, Chief Growth Officer at KOHO, and Sébastien Poirier, Director of Third Party Management at UNI Financial, who offer their opinions on the business practices currently in use.We hope the insights from industry leaders and the innovative solutions featured here will help guide your financial decisions and advance your organization's long-term goals.Let us know your thoughts.Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorJeff RodriguezEditorial StaffAaron Pierce Ava Garcia Joshua ParkerPearl JohnsonVisualizersRobert Gray SmithEdwin paul *Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEmail:sales@financialservicesreview.comeditor@financialservicesreview.commarketing@financialservicesreview.com DECEMBER 2025, Vol 06 - 16 (ISSN 2835-9771) Published by ValleyMedia, Inc. To subscribe to Financial Services ReviewVisit www.financialservicesreview.com Jeff RodriguezManaging Editoreditor@financialservicesreview.com
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