About Us
Helping Canadians Make Confident Financial Decisions Through Planning and Education
Upsurge Financial was built on the belief that financial confidence comes from understanding — not pressure, complexity, or product-first conversations. We provide structured financial planning that helps individuals, families, newcomers, and business owners make informed decisions at every stage of life.
OUR STORY
Financial planning is personal.
Upsurge Financial was founded to bridge the gap between complex financial systems and real people trying to make the right decisions for their lives. Too often, Canadians are introduced to financial products without fully understanding how those decisions fit into a bigger picture.
Our mission is to change that, by leading with education, transparency, and long-term planning.
We believe good financial decisions start with understanding. That’s why our approach focuses on helping clients learn how their finances work, how different tools fit together, and how to make informed choices that align with their real lives.
Our work goes beyond individual products. We look at the full picture: cash flow, savings, protection, investments, and long-term goals, and help clients build a plan that evolves as life changes.
At Upsurge Financial, financial planning is not about selling. It’s about clarity, coordination, and confidence.
MEET YOUR ADVISOR
Cristina is a financial advisor with background in psychology, human resources and retirement benefits, helping Canadians make confident financial decisions through education and long-term planning.
An immigrant to Canada, Cristina understands firsthand how complex and unfamiliar the Canadian financial system can feel, especially for newcomers and first-generation Canadians. This lived experience shapes her empathetic, education-first approach to financial planning.
Prior to focusing on financial planning, Cristina spent over 25 years in human resources and organizational development, with more than 15 years dedicated to supporting individuals with employment benefits, pension plans, and retirement-related decisions. Her work involved guiding people through career transitions, benefit selections, and retirement planning, often during pivotal life moments.
“My approach in financial planning is shaped by both professional experience and lived understanding. My role is not simply to recommend strategies, but to help clients understand their options so they can make informed decisions aligned with their values, responsibilities, and long term goals.”
Cristina holds a bachelor’s degree in psychology and has graduate-level studies in Industrial Psychology, which inform her understanding of financial behaviour, decision-making, and risk perception. She believes effective financial planning must address both the technical and human sides of money.
In addition to being a financial advisor, Cristina is also a licensed mortgage broker, giving her an additional perspective on personal financial planning. While her services as a financial advisor are fully independent, this background adds depth to her understanding of Canadian financial systems and client needs.
Today, through Upsurge Financial, Cristina provides structured, education-driven financial planning for families, professionals, newcomers, and small business owners, helping them align financial decisions with their long-term goals and values.
We believe:
Financial planning is a process, not a one-time event
Protection, growth, and income planning must work together
Education builds confidence and better decision-making
Plans should adapt as life changes
Our role is to guide, educate, and support, so you can make decisions aligned with your goals and values.
VALUES & PHILOSOPHY
We work with:
Families planning for stability and long-term security
Professionals building wealth and financial discipline
Newcomers learning the Canadian financial system
Small business owners aligning business success with personal goals
WHO WE WORK WITH
OUR PLANNING PROCESS
Upsurge Financial follows a structured and collaborative planning process:
Discovery. Understanding the client’s goals, priorities, and current financial position.
Education. Explaining concepts, options, and strategies in clear, practical terms.
Planning. Developing an integrated financial plan that aligns with the client’s objectives.
Implementation. Supporting the execution of the plan where appropriate.
Ongoing Review. Monitoring progress and adjusting strategies as life circumstances evolve.
Recommendations are provided based on suitability and planning objectives. There is no obligation to implement any recommendation.
OUR INDUSTRY PARTNERS
We have established relationship with several insurance providers and financial market suppliers, as a result, we have access to bespoke services from these providers: