STABILITY- LIBERTY - FINANCIAL SECURITY


What if your financial future started with a simple conversation?


We help families, self-employed individuals, and entrepreneurs build a solid financial plan – insurance, debt management, retirement, children's education, and more. Financial education is at the heart of our mission.


My commitment to your financial future


Hi, my name is

David De Carvalho!

I am an independent financial security advisor, specialized in supporting families, self-employed individuals, and entrepreneurs who want to take control of their finances and build a solid future.

My mission: to offer you personalized, accessible, and transparent strategies — whether it’s for:

Eliminating debt and regaining financial freedom

Protecting your loved ones with insurance tailored to your needs

Preparing for your retirement with confidence

Saving for your children's future

Better understand your finances through financial education.

Mortgage solutions.




Every family is unique, which is why I prioritize attentive listening, clear communication, and simple, straightforward guidance.

Our pArtners

Our Services – A Comprehensive Approach Tailored to Your Needs

We believe that a solid financial plan starts with a holistic vision. With the support of a team of qualified professionals, we help you build a personalized strategy that aligns with your goals, values, and unique reality.

Life Insurance

Protecting your loved ones is a priority. Whether it's to cover debts, replace income, or leave a legacy, we help you choose a life insurance plan that fits your current situation and future needs


Home, Auto and Mortgage Insurance

Your assets are valuable. In collaboration with specialized partners, we support you in setting up effective protection for your home, your vehicle, and your civil liability — all within an integrated financial strategy.

Retirement Planning

Whether you're just starting your career or only a few years away from retirement, good planning can make all the difference. We help you create a clear, flexible, and sustainable plan so you can fully enjoy your golden years—free from financial stress.


Services for Self-Employed Workers and Entrepreneurs

You are your business. That's why it's essential to have a protection plan that takes into account your income, your family, and your responsibilities. Disability insurance, critical illness coverage, retirement and estate planning solutions — we're here to support you every step of the way.

Testimonials

Aaron James Heerawan


David continues to be an excellent financial advisor, meeting the needs of my family and me. His expertise, combined with his human approach and availability, makes all the difference. Simply put, he is a true asset to his profession, and his advice has been a key factor in the success of my personal life. I look forward to continuing to work with him for many more years!

Véronique Guérin

For me, David is an advisor we trust, and he clearly explains the answers to our questions.

Junior Mbaikwo


David is an excellent advisor. He takes the time to explain things clearly and is always available to answer my questions. I feel confident with him.

Frequently Asked Questions

Is the first consultation free?

Yes, and not just the first one. All of our consultations are free. We do not charge anything for providing you with an objective opinion or for developing a strategy tailored to your situation. Our priority is to guide you with clarity and transparency, without any pressure.

Do I need to have a high income to work with you?

Not at all. We believe that everyone deserves a good financial plan, regardless of income or current situation. Our approach is personalized and tailored to your goals.

Do you work with multiple insurance companies?

Yes. As a a team of independent brokers and advisors, we have access to multiple financial institutions and insurance companies. This allows us to offer you the most beneficial solutions for your situation.

How does the process work?

It all starts with an exploratory meeting. Then, we analyze your complete financial situation, and we build a customized strategic plan. We support you every step of the way

Do your services also cater to self-employed workers and entrepreneurs?

Absolutely. We understand the unique challenges faced by self-employed individuals: variable income, lack of social protection, long-term planning... We have tailored solutions to help you secure your future.

Do you need help with estate planning or saving for education?

Yes. We can integrate these elements into your overall strategy to ensure an effective transfer of your wealth or to build an education fund for your children.