Bryan Cresswell.
A Kelowna-based financial planner with a background in accounting, comprehensive financial planning, and advanced insurance planning — built around thoughtful conversations, not rushed decisions.
Accounting first.
Planning second.
My background in accounting shaped the way I think about financial planning. For business owners, the important decisions often sit beneath the surface — corporate structure, retained earnings, compensation, tax, insurance, estate planning, and long-term family goals.
I was drawn to planning because I wanted to help connect those conversations. Accountants and lawyers each play important roles, but many business owners still need someone helping them see how the broader financial picture fits together.
What I enjoy most is learning how business owners built what they built — and helping them think through decisions that support where they want to go next.
A technical foundation for decisions that are rarely isolated.
Business-owner planning sits at the intersection of personal finances, corporate structure, tax planning, insurance, investments, estate strategy, and long-term family goals.
A business and accounting foundation that supports real fluency with corporate structure, retained earnings, compensation strategy, and tax-aware business decisions.
The comprehensive planning designation — supporting planning across cash flow, retirement, tax, estate, insurance, investments, and business-owner decisions.
Advanced insurance, estate, and wealth-transfer planning where personal and corporate planning often need to be coordinated.
A few things worth knowing.
Not a mission statement. Just a simple description of how I try to approach planning conversations.
Calmness
Not every decision needs to be rushed. Sometimes the most valuable part of planning is creating enough space to think clearly before acting.
Coordination
Corporate structure, compensation, investments, insurance, tax, and estate decisions all affect each other. Planning should connect those conversations.
Transparency
Planning should be understandable. You deserve to know what is being recommended, why it matters, and how the pieces connect.
Planning costs can be paid directly, separate from purchasing a financial product.
That allows the conversation to begin with advice — not a sale. The focus is clarity, coordination, and understanding the right path before any product is ever considered.
Formal planning happens through FocalPoint.
This site gives you a sense of how I think. When the time is right for formal planning, engagements are delivered through FocalPoint Financial Group Inc.
If the approach here feels aligned, the next step is a conversation — not a commitment.