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About Insight & Action

About Us

Roberto Velez, PFP

Bridging the gap between traditional banking and real-life financial health.

For over 11 years, I worked as a Financial Planner & Advisor in Canada's largest financial institutions—helping thousands of individuals and families make sense of their money. I've guided clients through the complexities of investments, debt, retirement planning, taxes, and risk management—but I've also seen the deep disconnect between advice and real-life impact.

Here's the truth:

Most people never get access to real financial planning—unless they already have wealth.

That's why I started Insight & Action Financial Coaching—to change the system.

I don't sell products. I don't work for a bank. I work for you.

My approach is functional financial planning:

A practical, judgment-free system that puts behavior, clarity, and confidence at the center of every decision.

Whether you're dealing with debt, trying to save, planning for the future, or simply feeling overwhelmed, my job is to help you take back control—one step at a time, in a way that fits your real life.

Helping You Make Smart Financial Decisions—No Sales, Just Strategy.

Insight & Action Team Roberto Velez gavel
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What We Stand For

No More Blind Loyalty to One Bank

Why be loyal to just one financial institution when the entire industry is competing for your business?

We'll explore the best the market has to offer—across all banks, credit unions, and providers—and empower you to ask the right questions and choose the right products for your life.

You deserve advice that's independent, strategic, and 100% in your corner.

"Helping You Make Smart Financial Decisions—No Sales, Just Strategy."

INSIGHT & ACTION TEAM Roberto Velez quote
Our Approach

Our Approach to Financial Coaching

We don't start with products. We start with you—your financial world today, the challenges you face, and the future you want to create. Like functional medicine, we believe in treating the root, not just the symptoms. That's why every coaching journey begins with a Financial Health Assessment—your financial 'bloodwork.' It gives us a full picture so we can focus on what matters most: the most urgent issues standing between you and progress. From there, we build a strategy from the ground up—not just to solve problems, but to help you understand how you're solving them. Because real change isn't just about achieving results—it's about learning how to create them again and again.
  • 🧭

    Unbiased, Root-Cause Guidance

    We don't sell products or earn commissions. We identify what's holding you back and give you the systems and strategies to fix it—without pressure or sales agendas.

  • 🔍

    Personalized, Behavior-Driven Planning

    Every plan is built on your numbers, goals, and day-to-day reality. We focus on cash flow first, then move step by step through savings, debt, tax, and more.

  • 📚

    Ongoing Support & Financial Education

    We don't just guide you—we teach you. With regular check-ins and hands-on coaching, you'll gain confidence, clarity, and the skills to navigate your finances long after the program ends.

Turn Financial Insight
Into Actionable Success

Take control of your financial future with expert, unbiased coaching. No sales, no hidden agendas—just clear, actionable strategies to help you achieve your goals. Ready to bridge the gap between where you are and where you want to be?

Start Your Financial Journey