How We Got Started
Intenforma began in 2018 when our founders noticed a gap in the financial services landscape. While there were plenty of options for investment advice and retirement planning, few services focused specifically on the day-to-day expenses that actually shape most people's financial lives.
We realized that managing a household budget involves more than spreadsheets and willpower. It requires understanding behaviour patterns, local market conditions, and the practical realities of Canadian life—from seasonal heating costs to the price of groceries in different provinces.
Our approach combines financial analysis with practical guidance. We do not simply tell you to spend less; we help you understand where opportunities exist and how to capture them without disrupting your quality of life.
