Client Success Stories

Inspired by real planning conversations and outcomes, these stories combine common experiences from the chiropractors we work with—showing how we help clients gain clarity, confidence, and control at every stage of life.

(Note: These are fictionalized composites created to reflect real situations and do not depict any specific Align Wealth client.)

New Graduate
Name: Rachel
Age: 28 years old
The Situation

Rachel just graduated and returned home to Alberta after completing her degree in the U.S. She recently joined a well-established clinic as an associate, and with the lead doctor stepping back, Rachel has an incredible opportunity to grow her patient base quickly.

She’s excited to be back and begin her career—but she’s also feeling the weight of what comes next.

Like many new grads, Rachel left school with a mix of excitement and debt. Between student loans, variable income, and the pressure to "get it all right" early on, money quickly became a source of stress. She wanted to enjoy her new chapter—saying yes to a friend’s destination wedding, planning for future milestones like buying a condo—but wasn’t sure how to balance it all.

She knew she needed a plan. Not a pitch. Not a product. A real plan—with guidance from someone who understands chiropractors and the early-career financial rollercoaster.

What We Did Together

Rachel reached out to Align Wealth after hearing about our work from a chiropractor she met at a seminar. She didn’t feel confident with money yet—but she was ready to learn.

Together, we:

Created a system to manage her variable income. Rachel now pays herself a regular monthly “salary” from her corporation and sets aside tax reserves automatically, so she’s never caught off guard come spring.

Built a personal cash flow plan that fits her life. We set clear savings targets without being restrictive—giving her permission to enjoy her income while building smart habits.

Refinanced high-interest debt. We developed a student loan repayment strategy that balances progress with flexibility, reducing her interest burden and financial anxiety.

Automated savings toward short- and long-term goals. Rachel now contributes monthly to an emergency fund and a future down payment fund, without having to think twice about it.

Introduced her to investing. We walked through the basics—risk, market cycles, index funds—so she could start investing confidently with a simple, low-fee strategy.

Helped her secure professional disability insurance. With her income now dependent on her ability to work, protecting it became a priority from day one.

The Outcome

Rachel says the biggest shift is how she feels about money. She’s no longer avoiding her finances or second-guessing every decision—she’s making moves with confidence and clarity.

She has systems in place that keep her organized without feeling restricted. She still says yes to trips with friends and enjoys the freedom of her new career, but now there’s intention behind every dollar. Her student loans are shrinking, her savings are growing, and she’s on track to have a down payment for a condo within the next few years.

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She feels secure knowing she’s protected with the right insurance coverage in place. And as her income grows, she’s not just reacting—she has a roadmap.

Rachel started out feeling overwhelmed. Today, she feels empowered—with a clear plan, financial momentum, and a partner in her corner as life and career evolve.

Associate
Names: Jason & Mia
Ages: 33 and 36
The Situation

Jason is an associate chiropractor working at a busy clinic in Calgary. He’s been in practice for six years, and while he’s interested in owning a clinic one day, his current focus is on growing his career and preparing for a huge life change—he and his wife Mia are expecting their first baby.

Mia is an ultrasound technician, and the two of them have been married for a few years. They’ve loved their current lifestyle—traveling often, hitting the mountains on weekends, and enjoying the freedom that comes with dual incomes and no kids. But with a baby on the way and Mia planning a full year of maternity leave, everything was about to shift.

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They were excited—but also overwhelmed.They had decent incomes and were saving consistently, but they didn’t feel financially “ready” for the transition to one income.

They had worked with a financial advisor before, but the experience felt mostly transactional—some insurance and investment talk, no clear roadmap. What they really wanted was a plan they could trust—and someone who actually understood their world.

What We Did Together

Jason and Mia were referred to Align Wealth by a colleague of Jason’s who had gone through a similar life transition. We met a few months before their baby was due and quickly got to work building a plan that would carry them through the next year and beyond.

Here’s what we focused on:

Created a family-focused cash flow strategy. We designed a plan to help them build up cash reserves before Mia’s maternity leave began, making sure they could comfortably transition to one income plus maternity benefits.

Incorporated flexible income planning. Jason was still operating as a sole proprietor. We helped him incorporate his business, giving them more tax planning options and the ability to pay himself consistently through salary and bonuses.

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Organized their personal finances. We automated their monthly savings, opened a dedicated baby fund, and built out a system to track goals without the stress of traditional “budgeting.”

Transitioned investments into a low-fee, diversified portfolio. By moving their RRSPs and TFSAs out of high-cost mutual funds, they saved thousands in annual fees and gained confidence that their investments now matched their long-term goals.

Added affordable term life insurance. With a baby on the way, it was time to protect what mattered most.

Coordinated with their accountant and connected them with an estate lawyer. This helped them get their new corporation set up properly and get wills and powers of attorney in place before the baby arrived.

The Outcome

Jason and Mia feel like they’re going into parenthood with a clear head and a solid foundation.

Jason now knows exactly what he earns, what to set aside for taxes, and how to stay on track financially—without spreadsheets ruling his life. Mia feels confident that they can enjoy time with their baby without constantly worrying about money.

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Their finances feel calm, organized, and aligned with what matters most: raising their new son and enjoying this new chapter.

And those mountain getaways? They’re still happening—just with a baby carrier and a lot more snacks.

Owner
Melissa & Jake
Ages: 39 and 43
The Situation

Melissa is a chiropractor who owns a busy clinic in Kelowna. She’s built a great practice over the past five years—solid revenue, a growing team, and a loyal patient base. Her husband, Jake, is a civil engineer and helps with the clinic’s books in his spare time.

They have two boys under 10 and a calendar that always feels one step ahead of them. Melissa came to us during a season that felt like controlled chaos.

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The business was working, but Melissa wasn’t sure if she was getting ahead—or just keeping up. She was earning well, but the money always seemed to disappear between overhead, taxes, debt payments, and personal expenses. She and Jake wanted to start planning for their future—a bigger home, RESP savings for the boys, even the idea of scaling back summer hours—but every time they tried to map it out, it felt too scattered to make sense of.

The final straw? A big tax bill they hadn’t expected, and a sinking feeling that they were working too hard not to feel more financially secure.

What We Did Together

We started by bringing calm to the chaos—connecting their business numbers to their personal goals. Over the next few months, here’s how we helped Melissa and Jake turn stress into structure:

Rebuilt their clinic’s cash flow system using the Profit First principles. Melissa was running her business off her bank balance, unsure what she could afford to pay herself. We created a system of separate accounts for income, expenses, taxes, owner’s pay, and profit. Now, she pays herself consistently and knows exactly what’s safe to spend—and what isn’t.

Increased her take-home income by 15% without increasing revenue. By fine-tuning expenses and shifting how money flowed through the business, Melissa is now paying herself more—and with less guilt. She even took a long weekend off last month without worrying about cash flow.

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Created a personal cash flow plan that felt simple and doable. Together, we set up automatic savings for emergency reserves, travel, and their dream of a home with more space. Jake was relieved to have a clear plan that didn’t feel like “just another budget.”

Consolidated investment accounts and cut over $4,000 in fees. We brought together their old RRSPs and TFSAs into a low-fee index fund portfolio that aligns with their values. For the first time, they feel like they know how they’re investing—and why.

Opened and funded RESPs for both kids. They’re now receiving the full Canada Education Savings Grant and feel proud knowing they’re building a future for their boys.

Collaborated with their accountant to design a tax-efficient income plan. This included a shift in salary/dividend mix, scheduled remittances, and preparing in advance for next year’s taxes—no more surprises.

Reviewed risk management. Melissa’s clinic now owns a critical illness policy on her, giving them peace of mind that if life takes a turn, the business and their family won’t be thrown off course.

Mapped out early retirement projections and a plan to build wealth. Melissa and Jake now have a clearer picture of what’s possible—from scaling back in 10 years to traveling more while the kids are still young. They're not just working toward “someday”—they’re making progress now.

The Outcome

Melissa and Jake finally feel in control. What used to feel scattered and stressful now has structure, clarity, and momentum.

Melissa pays herself consistently, knows her taxes are covered, and can take time off without worrying about cash flow. Jake feels more confident and less burdened, knowing their finances are organized and moving in the right direction.

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Their RESP accounts are growing, investments are streamlined, and their long-term goals are mapped out.

For the first time, their money feels like a tool to build the life they want—not a source of stress.

Like physical health, great financial health requires a plan and goals to follow

I know how stressful it is to feel like you’re flying blind with your finances. I understand how discouraging it is to be earning a good income but still feel out of control.

I’m Scott Campbell and I’m a Certified Financial Planner that does things differently. First, I specialize in helping chiropractors. Second, I dive deeper than the traditional investment advisor. I get into the on-the- ground realities of debt reduction, managing cash flow, and building habits that lead to the life you want.

I do for your finances what a personal trainer does for your body — I push you to take an honest look at your money, define what you want, and then implement a plan to get healthy. The end result is you feeling free, confident, and in control.

some kind words

Featured Client
Success Story

"Scott has turned once a stressful and overwhelming topic in our household into a series of simple steps to get us on track and make our finances start working for us"

"Scott took me through a clear process and designed a plan that aligned with my personal goals and values. He genuinely gets to know you as a person and will help bring clarity to your finances"

"Over the last year I’ve not only been more profitable, but I have attained a feeling of security and certainty that the processes we’ve implemented will help me and my business long into the future"

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01
Book a Free
Initial Assessment

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02
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03
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