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Francine Dick

Email Address

[email protected]

Phone Number

(647) 897-6471

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About Me

For over 25 years as a financial advisor in Toronto, Francine has helped hundreds of families in the GTA. Clients appreciate her non-judgemental approach, as well as her patience and open mindedness. Currently, she specializes in working with women transitioning into retirement. She was born in Toronto where she still lives in the Roncesvalles neighborhood. As a sole support mother of 3 children, Francine understands the challenges we can face in our lives and our need to be prepared for life’s unexpected events.

Francine is a tireless volunteer and was the recipient of the Canada 125 Medal and the Queen Elizabeth II Diamond Jubilee Medal for her community service.

Francine worked as a financial planner in Toronto with Credential Financial Strategies and Qtrade Insurance Solutions, which provided financial and insurance advice to Alterna Savings and Credit Union members. She has been an advisor with Carte Wealth Management Inc. since 2016 where independence allows her to provide the best service and products to her clients. However, her co-operative spirit remains. As the winner of Alterna Savings and Credit Union’s first Community Social Responsibility (CSR) Idol award, she had the opportunity of traveling to the Philippines with the Canadian Co-operative Association and observed firsthand the value of people working together for their mutual benefit. As a member of the Centre for Social Innovation, this is Francine’s outlook on life and in work.


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When we give cheerfully and accept gratefully, everyone is blessed. 

Maya Angelou

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360 Degree Endorsements

Francine has been helping me with my finances for the last few years, and I've never felt more confident and comfortable with the way my money has been handled. I trust her recommendations wholeheartedly, never feel rushed to make a decision - and most importantly - I have received excellent results from the investments made. Yet, Francine's clearly more than a financial planner. She has provided me with sound, prescient advice about achieving larger life goals -by helping me look beyond the money. Thanks Francine, for helping to keep the future bright!

-Ellen P

Francine Dick has been my financial advisor for over 15 years and I would recommend her services wholeheartedly. Francine is extremely reliable, honest and advises her clients as to what they really need, so that their investments will always be in safe and ethical hands. I've recommended Francine to many of my colleagues who are recently retired or who are in need of an approachable, caring financial advocate. If I had to compose a logo for her, this is what it would be: Francine, with CARTE, will give your dollars a safehaven. 

-Della Golland

Francine, I am pleased about my portfolio and how well you have managed it; especially with the Covid19 pandemic. You really are very good with people, you do care and it shows. You also have an excellent financial background and are always growing with the times and keeping abreast of finance not only in Canada but abroad as well. You have a good balance between your career and your personal growth. I know that your business will grow and flourish.

-Karen Cutler

As Financial Planner, Francine has been an invaluable asset in my retirement planning and the monitoring and adjustment of my investments. Realistic and supportive, she has helped to provide me with precise guidelines to carry me through this period of my life.

-Channah C

Francine delivers superlative advice and service. She listens to your current concerns and future goals and then helps you to map out a financial plan that addresses both. She's always contact with you when there are changes to the economy and/or life events - making sure your financial roadmap adjusts with each significant event. I highly recommend Francine to people who are looking for a truly trusted advisor for helping them manage their money wisely and effectively.

-Karen L

I often think with gratitude about you when I read the book, Where The Wild Things Are, which you gave as a gift to my children. You go above and beyond, even when my net work as your client is not yet high. Thank you.