FS² Financial Solutions Squared crest
Different advice, by design
Independent advice · MB · SK · AB

Different advice, by design

FS² is an independent financial advisory firm in Steinbach, Manitoba. Insurance, tax, and investment planning under one roof, explained in plain language, with the spine to say no to bad ideas.

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Why FS²

Most advice fails in the gaps between specialists.

01

Integrated expertise

Insurance, tax, and investment planning under one roof. Your insurance affects your taxes; your taxes affect your investments. We work where the pieces meet, because that's where the money leaks.

02

Plain-language honesty

If you leave a meeting confused, that's our failure, not yours. No jargon walls, no hedging fluff, the way a trusted advisor talks across a desk.

03

A fiduciary spine

We say no to bad ideas, including ours, and sometimes yours. Advice is only worth acting on if someone was willing to test it first.

The name

Square any number and you can never get a negative. That's the promise in “Financial Solutions Squared.” Our job is to keep your finances moving in a positive direction for the long haul, and to make the experience of getting there a positive one, too.

Independence

Our hands aren't tied to one company.

We're not "brokers" limited to a single company's product line. With nearly every major insurer and fund manager in the country at our fingertips, and no loyalty to any one of them, we bring order to the noise. Watch the names sort themselves out.

Investments & funds
Insurance
FS², Financial Solutions Squared

Investment & fund partners

Fidelity Investments
Mackenzie Investments
Sun Life Global Investments
TD Asset Management
RBC Global Asset Management
BMO Global Asset Management
CI GAM
AGF
Franklin Templeton
iA Financial Group
Manulife
National Bank Investments
Desjardins
NEI Investments
Ninepoint Partners
Russell Investments Canada
Dynamic Funds
…and more

Insurance partners

Assumption Life
Beneva
Blue Cross
BMO Insurance
Canada Life
Canada Protection Plan
Desjardins Financial Security
Empire Life
Equitable Life of Canada
Foresters Financial
iA Financial Group
ivari
Manulife Financial
RBC Insurance
Specialty Life Insurance
Sun Life Financial
UV Insurance
VUMI
We tailor solutions that fit your needs, not our product shelf.
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Carriers, zero quotas
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Provinces served
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Advising since 2007
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To find out if we fit
How it works

A process, not a pitch.

01

We listen first

Your goals, your numbers, what's keeping you up at night. The first meeting is about you, not us.

02

We analyze everything

Coverage, investments, tax position, debt, where the gaps are, and where you're paying twice for the same thing.

03

We present a plan in plain language

You'll understand every recommendation before you act on it. Then we implement together.

04

We review every year

Life changes. Plans should too. In person, by video, or by email, whatever works.

20 minutes. No pitch.

The first conversation is about whether we can actually help you, not about what we can sell you. If we're not the right fit, we'll say so.

Book your 20 minutes
Get answers · free · 5 minutes

The questions everyone is actually asking.

The advisors

Real people. Five of them.

Kevin Miller, Founder and Financial Advisor, FS², Steinbach Manitoba
Founder

Kevin Miller

Licensed in Manitoba
Meet Kevin
Derek Penner, Financial Advisor, FS², Saskatoon Saskatchewan
Advisor · Saskatoon, SK

Derek Penner

Licensed in Saskatchewan + Manitoba
Meet Derek
Photo coming
Advisor · Winnipeg, MB

Bert Wiens

Licensed in Manitoba · Plautdietsch spoken
Meet Bert
Amber Wiens, Admin Assistant, FS², Winnipeg Manitoba
Admin Assistant · Winnipeg, MB

Amber Wiens

Keeps the whole operation running
Meet Amber
Chris MacPherson, CHS, QAFP, Financial Planner, FS², Morden Manitoba
Financial Planner · Morden, MB

Chris MacPherson CHS · QAFP™

Licensed in Manitoba + Alberta
Meet Chris
Kevin has been an excellent source of financial advice and guidance. Not only do we respect his advice; his integrity and honesty has also gained us a cherished friend.
S. Wiens-Hiebert Business Owner & Investor
The next step

Book a conversation.

Twenty minutes, no obligation, no pitch. An advisor licensed in your province will follow up.

We're licensed in MB, SK, and AB. Outside those provinces? We'll be honest about it and point you somewhere good.

Not ready to book?

Read us first.

Occasional plain-language insights on insurance, tax, and retirement for Prairie families and business owners. No spam, no daily noise, we write when we have something worth saying.