LRS Private Wealth Management Inc. is a financial planning firm in Calgary, Alberta, founded in 2013 by Luca Sciangola, CFP®. We help physicians, incorporated business owners, professionals and pre-retirees build a written plan covering tax, investments, retirement income and estate planning, then keep that plan current as life changes.
CFP® Professional · Serving Calgary since 2013 · Fee-based · Downtown Calgary office
LRS at a Glance
| Firm | LRS Private Wealth Management Inc. |
|---|---|
| Founded | 2013, Calgary, Alberta |
| Founder and lead advisor | Luca Sciangola, CFP® |
| Who we serve | Physicians, incorporated business owners, professionals and pre-retirees |
| Services | Financial planning, retirement planning, investment advice, wealth management, estate planning |
| How we are paid | Fee-based; costs and conflicts explained in writing |
| Office | Suite 2500, The Ampersand North Tower, 140 4th Ave SW, Calgary, AB T2P 0H3 |
| Service area | Calgary, Airdrie, Cochrane, Okotoks, Chestermere and across Alberta |
| Phone | 403-478-5190 |
Upcoming Seminars
Physicians and medical professionals
Many doctors finish training with debt, start earning late, and then incorporate a medical professional corporation. We help with salary versus dividends, corporate investing under the passive income rules, RRSP and TFSA priorities, and paying down debt while still building savings.
Incorporated business owners and professionals
For owners and professionals (including lawyers and other incorporated professionals), money moves between the business and the family. We help plan how to pay yourself, how to invest surplus corporate cash, how to use the capital dividend account, and when an Individual Pension Plan (IPP) or a succession plan makes sense.
Pre-retirees and retirees
In the five to ten years before retirement, the order of decisions matters. We help decide when to start CPP (anywhere from age 60 to 70) and OAS (65 to 70), how to draw down RRSPs before they must be converted to a RRIF by the end of the year you turn 71, and how to use pension income splitting with a spouse where your income qualifies.
| If you are… | Common questions we answer | Where to start |
|---|---|---|
| A physician | How should I pay myself from my corporation? How much can my corporation earn passively? | Financial advisor in Calgary |
| A business owner | How do I invest surplus corporate cash? How do I plan an exit? | Wealth management in Calgary |
| Planning to retire | When can I retire? When should I take CPP and OAS? | Retirement planning in Calgary |
Our Financial Planning Services
Every engagement starts with a written plan. Choose the area you need most, and we will connect it to the rest of your finances.
Financial planning and advice
A full written plan covering cash flow, tax, investments, insurance, retirement and estate. You can work with a financial advisor in Calgary who stays with you from the first meeting through every annual review.
Retirement planning
A year-by-year income plan showing when you can retire, which accounts to draw from first, and how to time CPP, OAS and RRIF income. Learn more about retirement planning in Calgary.
Wealth management
Ongoing management of the whole picture (investments, tax, corporate assets and family goals), reviewed at least once a year. See our approach to wealth management in Calgary.
Investment advice
Portfolios built around your goals, time horizon and risk tolerance, with a clear explanation of costs and how your accounts are held. Meet an investment advisor in Calgary.
Estate planning
We handle the financial and tax side of your estate (beneficiary designations, tax at death, probate exposure and business succession) and work alongside your lawyer, who prepares your will and powers of attorney. Explore estate planning in Calgary.
Certified Financial Planner® services
Planning held to FP Canada's professional and ethical standards. Read about working with a Certified Financial Planner in Calgary.
How We Work
Working with LRS follows four steps. You always know what happens next and what it costs.
- Discovery meeting. We learn about your goals, family, income, corporation (if you have one) and concerns. The first meeting is free and carries no obligation.
- Written financial plan. We analyze your situation and show you the plan in plain language, including the trade-offs between options.
- Implementation. We put the agreed recommendations in place and coordinate with your accountant and lawyer where needed.
- Ongoing reviews. We review your plan at least once a year, and sooner after a major life event such as a new practice, a sale, a marriage, a child or retirement.
How we are paid: LRS is fee-based. Before you commit, we explain in writing what you will pay, how we are paid, and any conflicts of interest.
Why Calgary Clients Choose LRS
One advisor from start to finish. The person who builds your plan is the same person who reviews it with you every year.
A written plan, not just a portfolio. Investment decisions follow from your plan. They are never the starting point.
Experience with corporations. Medical and professional corporations, holding companies, and the tax rules that come with them are a core part of our work.
Clear costs. Fees and conflicts are explained in writing before you begin.
Coordinated advice. We work with your accountant and lawyer so tax, legal and financial decisions line up.
Direct access. When markets move or life changes, you can contact Luca directly with your questions.
Meet Luca Sciangola, CFP®
Luca Sciangola is the founder and lead advisor of LRS Private Wealth Management Inc. He holds the CFP® (CERTIFIED FINANCIAL PLANNER®) designation, which FP Canada grants after education, examination and experience requirements and requires holders to maintain through continuing education and a code of ethics.
Luca founded LRS in Calgary in 2013. Much of his work is with physicians and incorporated professionals: helping them understand corporate tax planning, investment strategy and retirement decisions in plain language. He has led financial education seminars for Calgary physicians and pre-retirees. Clients work with Luca directly, from the first meeting through every annual review.
You can confirm any CFP® professional's certification through FP Canada's public directory at fpcanada.ca.
What Clients Say
Testimonials reflect individual client experiences and are not a guarantee of future results or an indication of investment performance.
Seminars and Education Sessions
Luca hosts pre-retirement tax sessions and planning seminars for physicians and professionals. To hear about the next session, or to arrange a private conversation instead, contact our office.
Frequently Asked Questions
Who is LRS Private Wealth Management Inc.?
LRS Private Wealth Management Inc. is a fee-based financial planning firm in downtown Calgary, Alberta. Luca Sciangola, CFP®, founded it in 2013. The firm provides financial, retirement, investment, wealth and estate planning to physicians, business owners, professionals and pre-retirees.
Where is your office located?
Our office is at Suite 2500, The Ampersand North Tower, 140 4th Ave SW, Calgary, AB T2P 0H3, in downtown Calgary. Meetings are by appointment, in person or virtually.
Is Luca Sciangola a Certified Financial Planner®?
Yes. Luca holds the CFP® designation from FP Canada. You can verify it at any time through FP Canada's public directory at fpcanada.ca.
How is LRS paid for its advice?
LRS is fee-based. The exact cost depends on the services you need. We explain it in writing, along with any conflicts of interest, before you agree to anything.
Do you only work with physicians?
No. Physicians are a large part of our practice, but we also work with incorporated business owners, lawyers and other professionals, and individuals or couples planning for retirement.
Do you work with clients outside Calgary?
Yes. We serve clients across the Calgary area, including Airdrie, Cochrane, Okotoks and Chestermere, and across Alberta. Virtual meetings make planning simple wherever you live.
What should I bring to the first meeting?
Bring recent investment and pension statements, your latest tax return and notice of assessment, corporate financial statements if you are incorporated, and a list of your goals and questions. If you don't have everything yet, that's fine. We can start with what you have.
How are my investments held and protected?
Your accounts are held in your name at a regulated custodian, not by LRS directly. Before you open an account, we tell you in writing which institution holds your assets and which investor protection coverage applies.
Will you work with my accountant and lawyer?
Yes. With your permission, we coordinate with your accountant on tax planning and with your lawyer on wills, powers of attorney and trusts, so every part of your plan works together.
Book Your First Meeting
Whether you are building a medical practice, running a business or counting down to retirement, the first step is a conversation. There is no cost for your first meeting and no commitment to continue.
LRS Private Wealth Management Inc.
Suite 2500, The Ampersand North Tower
140 4th Ave SW, Calgary, AB T2P 0H3
Phone: 403-478-5190
Meetings by appointment
Content reviewed by Luca Sciangola, CFP®, Founder of LRS Private Wealth Management Inc. Last updated: October 2026.
The information on this website is for general educational purposes only and is not personalized financial, tax, legal or investment advice. Tax rules and government benefit amounts change. Speak with a qualified professional about your own situation before acting. Testimonials reflect individual experiences and do not guarantee future results.
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