About Canadian Money Guide
What We Do
Canadian Money Guide helps Canadians make smarter money decisions — at home and across borders.
We publish clear, research-driven guides and comparisons covering:
- Saving and budgeting
- Banking and credit cards
- Debt management and credit
- Investing and retirement planning
- Mortgages and housing
- International money transfers and currency exchange
Every piece of content on this site is built from publicly available data: official rates, published fees, product terms, government guidance, and verified user feedback. We aggregate, compare, and explain — so you can choose with confidence.
Who's Behind This
Canadian Money Guide is led by G.D. Sterling — a personal finance researcher with a background in Canadian banking and investment management. Sterling has spent years analyzing Canadian financial products, regulatory frameworks, and tax-advantaged accounts.
Our research team includes professionals with backgrounds in finance, economics, and data analysis who have worked across Canadian banking, investment management, and financial publishing.
We operate as a research-driven publication rather than a personal brand. Here's why:
- Consistency: Our methodology produces the same quality regardless of who's behind the keyboard. Every article follows the same research, fact-checking, and review process.
- Scalability: A team can cover more topics, faster — and update content more frequently — than any single author.
- Objectivity: No personal anecdotes or biases colour our comparisons. Every recommendation follows the same evidence-based process, applied uniformly across all products.
What We Are — And What We Aren't
Let's be clear about where we fit in the financial ecosystem:
| We Are | We Are Not |
| An independent research publication | A bank, credit union, or trust company |
| A source of educational financial information | A registered investment advisor or dealer |
| A comparison tool for Canadian financial products | A licensed mortgage broker |
| Transparent about how we make money | A government agency or regulatory body |
| Committed to accuracy and corrections | A provider of personalized financial advice |
We don't hold, manage, or invest client funds. We don't sell financial products. We don't provide personalized recommendations. If you need advice specific to your situation, consult a qualified professional — a certified financial planner, a chartered accountant, or a licensed investment advisor.
Our Approach
We follow the same process for every comparison and guide we publish:
- Gather current data — we pull rates, fees, and terms directly from provider websites and official documentation. Rates are verified manually against primary sources, not scraped automatically.
- Compare objectively — we use consistent criteria across all products in a category. No cherry-picking features to make one product look better.
- Cite sources — every claim about a rate, fee, or policy includes a reference to the original source. If you want to verify, the citation is right there.
- Update regularly — rates and product terms change. Content that's more than 30 days old is flagged for review. Major rate changes trigger immediate updates.
Read our full research methodology →
Our Commitment to Accuracy
We take accuracy seriously. Every rate, fee, and policy claim is verified against primary sources before publication. When we make a mistake — or when rates change — we correct it within 48 hours and log it publicly.
How We Make Money
We participate in affiliate programs with some financial institutions. When you click a referral link on our site and open an account, we may receive a commission — at no extra cost to you. For example, if you open an EQ Bank account through our link, EQ Bank pays us a referral fee. You get the same rates and features you'd get by going directly.
This is how we keep the site free. We don't run a paywall. We don't sell your data. We don't charge for access. Our revenue comes entirely from affiliate partnerships where we've independently verified that the product is worth recommending.
Key points about our revenue model:
- No pay-for-placement. Products cannot pay to rank higher or to be listed as a "top pick."
- No sponsored content. Every article is researched and written independently. No partner sees our content before publication.
- Full disclosure. Every partner link is disclosed on the page where it appears.
- Products without affiliate programs are still included in our comparisons — readers need the full picture, not just the products that pay us.
Read our full Affiliate Disclosure →
Important Pages
| Page | What It Covers |
| How We Research | Our five-step research process and editorial standards |
| Corrections | Public log of every correction we've made |
| Affiliate Disclosure | How we earn money and why it doesn't affect our recommendations |
| Privacy Policy | How we collect, use, and protect your information |
| Terms of Use | Rules for using this website |
| Financial Disclaimer | What our content is — and isn't |
| Contact Us | How to reach us |
Our Name
CMG stands for Canadian Money Guide — exactly what we do: guide Canadians toward better money decisions with clear, verifiable information.
Contact
Questions, corrections, or partnership inquiries? Get in touch →
Canadian Money Guide is an independent research publication based in Toronto, Ontario. We are not a bank, credit union, licensed financial advisor, government agency, or regulatory body. All content is for informational and educational purposes only. Read our full Financial Disclaimer for important limitations.