Smart Wealth Advocate

Your Financial Wellness Partner

At Smart Wealth Advocate, we bring a doctor’s approach to your financial health, delivering personalized strategies for lasting financial wellness.

Our Mission

To provide holistic financial care; ensuring that all aspects of your financial health fit well together and work harmoniously toward true financial freedom.

Our Approach

Comprehensive Financial Diagnostics

Step 01

Preventive Financial Management

Step 02

Personalized Wealth Strategies

Step 03

Ongoing Financial Wellness Monitoring

Step 04

Our services

Comprehensive Financial Wellness Solutions

Personal Cash Flow & Debt Management

We work with you to find the money to fund your goals and implement strategies to manage debt efficiently. Like a personalized treatment plan, we create a tailored approach to optimize your financial health.

Behavioral cash flow analysis
Debt reduction strategies
Goals-focused cash flow planning
Monthly financial check-ups

Financial Risk Protection

We help you understand how to use life-based insurance products to protect yourself, family and transfer generational wealth. Think of it as preventive care for your financial future.

Risk assessment consultations
Life and critical illness insurance
Family protection strategies
Wealth transfer solutions

Bookkeeping Training

Tracking your business transactions serves the same function as measuring your blood pressure. Doing it consistently enables you to monitor how healthy your business is.

QuickBooks training
Financial report analysis
Business health monitoring
Strategic planning tools

Why Choose Smart Wealth Advocate?

Stop Feeling Broke Despite Good Income

We help service-based business owners move from constantly feeling financially stretched to having a clear plan for their money. Through strategic cash flow planning, you'll finally know exactly where your money should go.

Get Out of Debt Faster

Tired of feeling pulled down by the weight of debt? We coach you on practical strategies to efficiently manage and reduce the interest cost of debts. No more wondering if you're making the right financial moves.

Protect What Matters Most

Worried about your family's financial security? We help you understand and implement the right insurance solutions to protect your family and business. Get peace of mind knowing you have optimal financial risk protection in place.

Take Control of Your Business Finances

Overwhelmed by business bookkeeping? We teach you how to track and understand your business numbers in a way that's clear and manageable. Just like monitoring your health vitals, you'll learn to monitor your business's financial health.

Clear Path to Your Goals

Whether it's saving for retirement, funding your children's education, or growing your business, we create a straightforward roadmap to achieve your financial goals. No more uncertainty about your financial future.

How We Work?

Simple Steps to Financial Wellness

Financial Health Check

We start with a friendly conversation about your current financial situation.
Review your goals, concerns, and priorities.
Identify key areas where we can make the biggest impact.

Create Your Plan

Develop a clear cash flow strategy that fits your lifestyle.
Design protection solutions for you and your family.
Build a roadmap to reach your financial goals.

Take Action Together

Guide you through implementing your financial plan.
Set up necessary tools and systems.
Make the process simple and manageable.

Stay on Track

Regular check-ins to monitor progress
Adjust strategies as your needs change
Ongoing support to keep you moving forward

Take Control of Your Financial Health

Start the journey toward financial wellness with Smart Wealth Advocate.

Meet Ibiyemi Umuago

Your Finance Doctor

Smart Wealth Advocate is founded and led by Dr. Ibiyemi Umuago, a medical doctor who made a purposeful transition to become a personal finance coach. With twelve years of medical practice, she brings the same precision and care from healthcare to financial wellness, combining her medical background with a Diploma in Accounting, life insurance licensing, and cash flow planning expertise.

Dr. Ibiyemi believes that wealth management transcends numbers on spreadsheets. Through Behavioral Cash Flow Management, she analyzes each client’s unique spending habits, financial goals, and psychological triggers to create personalized strategies. Just as a family physician attends to varying health concerns, she provides comprehensive financial care tailored to each client’s situation.

Licensed in Alberta, Ontario, and Saskatchewan, Dr. Ibiyemi helps clients navigate the complex world of insurance and financial protection. Using the Winton App, she implements sustainable cash flow plans and provides coaching for short, medium, and long-term goals. As a QuickBooks Online Pro Advisor, she ensures that financial records become powerful tools for strategic planning.

Whether it’s buying a dream home, funding a child’s education, or securing a comfortable retirement, Dr. Ibiyemi understands that financial goals evolve through life’s stages. She acts as your financial doctor, monitoring your financial vitals, conducting regular wealth checks, and adapting strategies to your changing needs. Her commitment to excellence and compassionate approach makes her an ideal partner for your journey to financial wellness.

Reach Out to Us

Ready to schedule a free financial health checkup or have a question?