Your path to financial freedom starts today.

As a financial planner, I’ve spent more than two decades working with Canadian homeowners who are doing everything “right”—paying down their mortgage, saving when they can, and planning for the future—yet still feel like progress is slow and uncertain.

One of the biggest challenges I see is that traditional financial advice treats mortgages and investing as two separate, sequential steps. Pay off the house first, then start building wealth. While well-intentioned, that approach often leaves Canadians missing years of potential tax efficiency and long-term growth.

That realization is what led me to become a Smith Manoeuvre Certified Professional (SMCP®).

The Smith Manoeuvre is not a shortcut or a one-size-fits-all solution. It’s a disciplined, long-term strategy that—when implemented correctly—can help homeowners restructure their debt so their mortgage works more efficiently within their overall financial plan, without increasing their monthly cash flow requirements.

What drives my work is helping clients gain clarity and control over their financial decisions. By understanding how your largest expense fits into a broader system, we can explore whether the Smith Manoeuvre aligns with your goals, risk tolerance, and stage of life.

If you’re curious about how this strategy might apply to your situation, I invite you to explore it further through an informed, thoughtful conversation.

-Dan

Daniel Baker, CFP®, CLU®, SMCP®, CEA®

Founder & Lead Strategist, Trinity Pillars Advisory Group Ltd.
Smith Manoeuvre Certified Professional™

The Smith Manoeuvre™

It's time to master your mortgage

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Ready to see how The Smith Manoeuvre™ could transform your financial future?

Get immediate access to our free mini-course below!

In under 30 minutes, you'll discover a proven strategy that has helped thousands of Canadians become mortgage-free sooner while building significant investment wealth.

Come learn more at our next live webinar.

Has your interest been piqued? Come join us for our next completely free monthly webinar.

Held on the fourth Monday of each month, this session offers all Canadians the opportunity to learn The Smith Manoeuvre™ basics directly from a member of our leadership team.

No pressure, just practical information to help you decide if this strategy is right for you.

Take the first steps today

Your Smith Manoeuvre Certified Professional™

Daniel Baker

CFP®, CLU®, SMCP®, CEA®

Founder & Lead Strategist, Trinity Pillars Advisory Group Ltd.

Dan Baker is a Certified Financial Planner® and Smith Manoeuvre Certified Professional (SMCP®) with over 20 years of experience helping Canadians use smart financial systems to build long-term wealth with confidence.

Dan specializes in guiding homeowners and business owners through The Smith Manoeuvre, a strong disciplined strategy designed to convert non-deductible mortgage debt into a tax-efficient wealth-building structure. His approach is grounded in education, careful planning, and clear execution, ensuring clients understand how the strategy works, why it fits their situation, and when adjustments are needed over time.

With a deep background in tax planning, cash-flow engineering, and debt restructuring, Dan helps clients integrate the Smith Manoeuvre into their broader financial picture, aligning mortgages, investment structures, and long-term goals into one cohesive system. His focus is never on shortcuts or one-size-fits-all solutions, but on building strategies that are sustainable, adaptable, and aligned with real life.

Dan’s philosophy is simple: financial strategies should work for you—not the institutions. Through Trinity Pillars Advisory Group, his mission is to give clients clarity, control, and a structured plan that evolves as their lives do.

When he’s not working with clients, Dan enjoys time with his family, exploring new ideas, and refining wealth strategies that help Canadians take intentional control of their financial future.