We're not like other advisors.

We do things differently

Other advisors

  • Push RRSP's, Term Insurance policies,
  • Pick and choose clients based off initial investment amounts and income level
  • Sell policies

Our Team

  • Ask relevant questions to direct you towards the best services and policy options that best fit your lifestyle, and your goals and showing you ways to avoid paying additional taxes.
  • We take on all new clients, regardless of their financial state or initial investment ability
  • Build futures
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Financial planners who care

Here at Spectre Financial, our main goal is to improve the lives of each and every one of our clients through an honest and effective financial planning process - and it's not a 'one size fits all' kind of approach.

We create a custom plan, based on your lifestyle and situation, and ensure that you are on the best road possible to financial freedom - both now, and in your future.

Our goal is to help you live the best life your finances will allow by helping you pay less taxes, and shrink your debt in order to achieve financial freedom.

Education savings plans

education plan options

estate planning options

education plan options

estate plan options

retire with less taxes

Retirement plan options

Do you feel you pay too much towards taxes and debt?

It doesn't have to be confusing!

With a customized approach, our team of advisors will show you strategies that can help reduce taxes & more efficiently & effectively eliminate debt, keeping more money in your pocket.

For a free consultation, please click below & one of our dedicated advisors will be in touch with you.

Get a Quote

the key to financial freedom

As an independent broker of financial services, Spectre Financial offers insurance, investment & lending solutions. We believe in a full and comprehensive financial plan, allowing our clients the ability to house their insurance and investments all under one roof.

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Sean Penhale, President at Spectre Financial


"Growing up in Rural Alberta, I was fortunate enough to come from a family that had open discussions around money. Like any hard-working Canadian family, we had our struggles, sometimes there was more month than money. After my own mistakes after college I took it upon myself to learn about the world of finance and how it worked.  I was in awe of the difference a properly structured financial plan could do for a family. Freeing up dollars, that were going to taxes or debt, and instead saving them was a huge deal for some of my first clients. I fell in love with the ability to teach Canadians what was never taught to my family. It has been over 10 years and that passion continues to burn inside me for helping families and business owners understand the options they have in reaching their financial goals. With the launch of Spectre Financial Inc. I am excited to continue to provide the same great service and value to my clients for decades to come."

Sean Penhale


Insurance is the foundation to all financial plans; personally and corporately. Any need you have, Spectre Financial is here to help. 

Life Insurance 
Health insurance
Estate Planning
Critical Illness
Group Benefits
Buy/Sell Agreements


Investments are the fruits of our labor. Whether you are looking for retirement income, steady growth or aggressive investing, Spectre Financial is here to help.

Permanent tax shelters


As a couple who was often hesitant and unsure of financial advice, we definitely felt Sean guided us and gave us details that made us extremely comfortable and optimistic for our new financial strategy.

Nicole & Tony Silva

Invest in yourself today for a brighter financial tomorrow

What are you waiting for?

Book a consultation to start managing your wealth and insurance for the future, now.

Get in Touch