THE PEOPLE BEHIND THE PLAN
Meet Our Team
Five Ridge Financial is a family-founded firm supported by financial professionals who believe planning works best when it is personal, thorough, and grounded in real care for the people we serve.
David Cloutier
FOUNDER & FINANCIAL PROFESSIONAL
David Cloutier
FOUNDER & FINANCIAL PROFESSIONAL
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.
CREDENTIALS & LICENSING
OUR OPERATING PRINCIPLES
How We Work
Process Over Product
We build the plan first. The product comes last. If the math doesn’t justify the recommendation, we don’t make it.
Compliance Is the Floor
KYC documentation, suitability rationale, replacement declarations. Every file is audit-ready before the ink dries.
Structured Planning, Not Sales Calls
No pressure. No urgency tactics. We run a 7-step review process because financial decisions deserve structure, not adrenaline.
Your Data Stays Yours
PIPEDA-compliant from intake to archive. We encrypt PII, document consent, and never share your information without explicit authorization.
Annual Reviews Are Non-Negotiable
Your plan isn’t a one-time event. Life changes. Tax rules change. Markets shift. We review every client every year.
Ready to Start a Conversation?
We work with Alberta families and business owners who want a structured, honest approach to financial planning. If that sounds like what you are looking for, we would be glad to hear from you.