Independent financial guidance built around Saskatchewan public sector employees. We specialize in turning your provincial pension into a retirement you can count on.
20Twenty Wealth Management was founded with a simple belief: every Saskatchewan family deserves the same quality of financial advice that big-city investors get — without the asset minimums, the rotating advisors, or the cookie-cutter products.
We're independent, which means we work for you — not for a bank. Our recommendations are based on what's right for your situation, not what earns us the biggest commission.
Saskatchewan's go-to experts for structuring your government pension for maximum retirement income.
Learn moreTurn decades of saving into a tax-efficient income stream that lasts your entire retirement.
Learn moreKeep your wealth in the family with strategies that bypass probate and minimize inheritance taxes.
Learn moreMarket Shield and Income Shield strategies to protect your nest egg from downturns and life's uncertainties.
Learn moreAfter 25 years contributing to PEPP, I had no idea how much I was leaving on the table. Bryan walked me through everything and now I'm retiring two years earlier than I thought possible.
I was paying my bank for advice I could have gotten from a pamphlet. 20Twenty actually sat down, looked at my whole picture, and built a plan that made sense for my family.
The Market Shield strategy gave us real peace of mind heading into retirement. We don't lose sleep over market crashes anymore. That alone was worth the conversation.
We started 20Twenty because Saskatchewan families deserve better than revolving-door bank advisors and one-size-fits-all products.
20Twenty Wealth Management was founded in 2016 with a clear mission: bring independent, expert financial advice to people who've been underserved by the big banks. We saw too many hard-working government employees getting generic advice from advisors who didn't understand their pension plans.
So we specialized. Today, the vast majority of our clients are Saskatchewan public sector employees — people who contribute to the province's pension plan and want to know their retirement is protected. We understand these plans inside and out because it's all we do.
We don't have asset minimums. We don't rotate advisors. When you call our office, Tanya knows your name. When you sit down for a review, Bryan or Jodi already knows what's changed in your life since last time.
Our advice is independent — we're not tied to any single product shelf. That means our recommendations are based on what's right for your family, full stop.
Walk into a bank branch with less than $250,000 and you're stuck with a "Personal Financial Services Representative" who exists to sell you their products — their funds, their credit lines, their insurance. You'll be lucky to see the same person twice.
At 20Twenty, it doesn't matter if you have $50,000 or $5 million. You get the same team, the same expertise, and advice that's built around your goals — not a product quota.
| Feature | 20Twenty | Typical bank branch |
|---|---|---|
| Dedicated advisor | ✓ Same team, always | ✗ Rotating reps |
| Asset minimums | ✓ None | ✗ $250K+ for senior advice |
| Product independence | ✓ Full market access | ✗ Proprietary products only |
| Pension expertise | ✓ Specialists | ✗ Generalists |
| Retirement planning | ✓ Comprehensive, ongoing | ✗ Product-based |
A small team by design. When you call, we know your name. When you visit, you see familiar faces.
With over two decades in financial services, Bryan has built his practice around one simple idea: every client deserves a plan that's built for them, not a product that's sold to them. As a provincial pension specialist, he's helped hundreds of Saskatchewan government employees structure their pensions for maximum retirement income.
Book with BryanJodi brings a detail-oriented, client-first approach to every relationship. She works closely with clients on intergenerational wealth transfer, estate planning, and ensuring families keep more of what they've built. Her warmth and thoroughness make complex topics feel approachable.
Book with JodiTracey is building her expertise under Bryan and Jodi's mentorship, bringing fresh energy and meticulous attention to detail to client accounts. She assists with research, portfolio analysis, and client communications.
Tanya is often the first voice you hear when you call 20Twenty. She keeps the office running smoothly, coordinates scheduling, and ensures every client interaction starts on the right foot. If you need anything, Tanya will make it happen.
Four focused service areas designed around the real needs of Saskatchewan public sector employees and their families.
Our flagship service. We help provincial pension members structure their portfolios starting five years before retirement, using strategies like Market Shield to protect against downturns while capturing upside. Nobody in Saskatchewan does this like we do.
Explore pension servicesThe transition from saving to spending is the most critical phase of your financial life. We help you decide when to take CPP, how to draw down your accounts tax-efficiently, and how to make your money last.
Explore retirement planningSaskatchewan's probate "fees" are really an inheritance tax. We have strategies that bypass probate entirely, keeping more of your estate in the hands of your family — not the government.
Explore wealth transferMarket Shield protects your investments from crashes. Income Shield protects your family from life's worst-case scenarios. Together, they form a safety net that lets you sleep at night.
Explore asset protectionIf you contribute to PEPP, you need a plan for how to make it work for you in retirement. That's what we do — better than anyone in Saskatchewan.
PEPP is one of the best defined-contribution pension plans in Canada. But most members don't optimize it. They don't maximize employer matching, they don't coordinate it with their other investments, and they don't have a strategy for drawing it down in retirement.
That's where we come in. A vast percentage of our clients work for the provincial government and crown corporations. Over the years, we've become experts in structuring these plans for retirement income.
The 2008 recession erased up to 40% of some retirement portfolios overnight. Our Market Shield strategy ensures that never happens to you.
Starting as early as five years before retirement, we structure your portfolio to guard against downturns while still profiting from market upswings. We can even guarantee your original investment at retirement.
We gradually shift your portfolio from growth-focused to protection-focused as you approach retirement. Think of it as a financial seatbelt — you barely notice it until you need it, and then it saves everything.
The transition from accumulating wealth to drawing retirement income is the most important financial decision you'll make.
When should I start taking CPP? How do I draw income without running out? Am I paying more tax than I need to? Will my money last 30 years?
These are the questions we answer every day. An effective retirement income plan addresses your changing needs throughout retirement — from the active early years to the slower-paced later years.
The baby boomer generation will transfer over a trillion dollars in Canada over the next 30 years. Provincial governments see this as a revenue opportunity. We see it as something to protect.
The Saskatchewan government calls it a probate fee. It's not. It's an inheritance tax. Upon death, a "probated" copy of a will is usually required. Tax and legal fees applied to the estate value can amount to over 10% of everything you've built.
We have strategies that bypass probate entirely. Capital assets can bypass the estate and go directly to your beneficiaries — saving thousands in unnecessary taxation and fees.
Two layers of protection to ensure market crashes and life's worst-case scenarios don't derail your retirement.
Market crashes are inevitable. Your retirement doesn't have to be a casualty. Market Shield is our strategy for protecting your portfolio from significant downturns as you approach and enter retirement.
We structure your investments to capture market gains while limiting your exposure to catastrophic loss. It's not about timing the market — it's about building a portfolio that can weather any storm.
What's the bigger risk — a market crash or a catastrophic health event? The statistics are compelling: a critical illness can devastate a family's finances faster than any market downturn.
Income Shield covers disability insurance, critical illness protection, and life insurance — ensuring that if life throws its worst at you, your family's financial plan stays intact.
Answer 6 quick questions and find out where you stand with your pension plan. Takes about 2 minutes. No commitment required.
Based on your answers, you're ahead of most provincial pension members. But there's almost always room to optimize. Want to make sure you're not leaving money on the table?
Book a Quick ConversationYou've got some pieces in place, which is great. But there's real opportunity to strengthen your plan, especially around pension optimization and tax-efficient income. Let's talk about where you stand.
Let's Talk About Your PlanYou're earlier in the planning process, and that's perfectly fine. The fact that you took this assessment means you're already ahead of most people. Let's build a plan together — starting with a no-pressure conversation.
Let's Build a Plan TogetherPractical information to help you make better financial decisions — whether you're a client or just getting started.
A plain-language guide to decoding your annual pension statement and understanding what it means for your retirement.
The essential steps to take in the five years leading up to retirement to maximize your income and minimize surprises.
The math behind one of the biggest retirement decisions you'll make — and why the "right" answer depends on your situation.
How institutional advisors are incentivized differently than independents — and what it means for your retirement plan.
A short introduction to who we are, what we do, and why we're different from the big banks.
Answer 6 quick questions and find out where you stand with your pension plan.
Trusted resources we recommend to our clients.
No pressure, no minimums, no sales pitch. Just a straightforward conversation about where you are and where you want to be.
Mutual funds are offered through Investia Financial Services Inc. Commissions, trailing commissions, management fees and expenses all may be associated with mutual fund investments. Please read the prospectus before investing. Mutual funds are not guaranteed, their values change frequently, and past performance may not be repeated.
Investia Financial Services Inc. is a member of the Mutual Fund Dealers Association of Canada and a member of the MFDA Investor Protection Corporation. Head office: 2 Place Alexis Nihon, 3500 De Maisonneuve Blvd. West, 19th Floor, Montréal, QC H3Z 3C1.
iA Financial Group is a business name and trademark of Industrial Alliance Insurance and Financial Services Inc. Insurance products provided through iA Financial Group.
20Twenty Wealth Management is committed to protecting the privacy and security of your personal information. We collect, use, and disclose personal information in accordance with applicable Canadian privacy legislation. Your information is used solely for the purpose of providing financial services and will not be shared with third parties without your consent, except as required by law.
The information provided on this website is for general informational purposes only and does not constitute financial, investment, tax, or legal advice. For advice specific to your situation, please contact us directly. 20Twenty Wealth Management makes no representations or warranties about the accuracy or completeness of the information on this site.