Frequently Asked Questions

“R1” is the highest rating in the Canadian credit system for revolving credit accounts.

An R1 rating means payments are made on time, as agreed, and the account is in excellent standing. Our name reflects the standard we help clients work toward — strong financial habits and long‑term stability.

The A.E.I.F.G. Method™ is R1 Financial’s structured, step‑by‑step system designed to help you understand your finances, build responsible habits, organize debt, and improve your overall financial health.

Your program includes:

• Full review of your credit and financial profile

• Personalized financial improvement strategy

• One‑on‑one credit education and coaching

• Budgeting and cash‑flow guidance

• Debt organization and repayment planning

• Support communicating with creditors and collection agencies

• Review and preparation of credit‑related correspondence

• Ongoing education, support, and progress reviews

• Step‑by‑step guidance through the A.E.I.F.G. Method™

• Access to a Program Advance (where separately approved)

Most clients follow a 6‑month action plan tailored to their goals and financial situation

Yes. We guide you through communication, responses, and strategies when dealing with creditors or collection agencies. In some cases, we may assist directly where appropriate

The Program Advance is an optional financial boost available to qualified clients who have completed key steps of the consulting program.  Advance amounts range from $500 to $10,000, depending on eligibility and responsible‑lending criteria.

No. Approval is separate and based on your financial profile, progress in the program, and responsible‑lending requirements.

R1 Financial charges a transparent consulting fee for the 6‑month program.

Pricing is clear, upfront, and based on the scope of your financial situation.

There are no hidden fees.

No. All fees are disclosed before enrollment. You’ll always know exactly what you’re paying for.

Yes. Clients must provide valid government‑issued ID and any documents needed to review your financial and credit profile. This ensures accuracy and protects both you and R1 Financial.

R1 Financial may review your credit report as part of your financial assessment. This helps us build an accurate strategy and determine eligibility for the Program Advance.

Yes. All information you provide is kept strictly confidential and used only for your consulting program and any approved services. We do not share your information without your consent.

You may cancel according to the terms outlined in your consulting agreement. Any completed work or services delivered before cancellation remain billable.

Missed payments may pause your consulting program and affect eligibility for the Program Advance. We encourage clients to communicate early if they anticipate payment issues.

No. Financial outcomes depend on your habits, decisions, and consistency. R1 Financial provides structure, guidance, and support — but results require client participation.

The program is ideal for Canadians who want structure, guidance, debt organization, better credit habits, and a long‑term plan for financial improvement.

Long‑term clients who demonstrate consistent progress and responsible financial habits may receive support with major milestones such as:

• Buying a home

• Purchasing a vehicle

• Starting or expanding a business

You begin with a full credit and financial review, followed by a personalized strategy session and your step‑by‑step A.E.I.F.G. Method™ plan.