David Cloutier

David is a full life licensed financial professional with over a decade of experience helping Alberta families and business owners build structured financial plans. His approach starts with the full picture and focuses on protection, growth, and long-term security.

Before founding Five Ridge Financial, David spent years working directly with families navigating complex financial decisions. That hands-on experience shapes every recommendation he makes today. He believes financial planning should be built around a family's actual situation, not around a product catalogue.

David works primarily with Canadian families earning well but looking for coordination across their insurance, investments, debt strategy, and retirement planning. His planning process follows the Five Ridge framework, starting with protection and building through to legacy.