Marcus Moulding

I’m Marcus Moulding, an Advice-Only Financial Planner with a Bachelor of Commerce in Finance, working towards the Certified Financial Planner (CFP) designation, and a background in financial services and teaching financial education at the post-secondary level. After years of working in finance, I saw how many people struggled with financial confidence—not because they weren’t capable, but because they didn’t have the right guidance.

I started 5 O’Clock Financial to help individuals and families take control of their finances in a way that’s simple, clear, and tailored to real life. I don’t believe in cookie-cutter advice—every person’s financial situation is unique, and I make sure my planning reflects that.

My goal? To give you the tools, knowledge, and support to make the most of your money—so you can make the most of your life.

At 5 O’Clock Financial, I believe that money should be a tool for freedom—not stress. Too often, people feel stuck in their finances, unsure of where to start or how to move forward. That’s where I come in.

I provide practical, approachable, and comprehensive advice-only financial planning that helps you understand your money, make smarter financial decisions, and build a future that fits your goals. Whether you need guidance on budgeting, debt management, savings strategies, or investing, I’m your on-demand financial planner and here to help you take control. I believe my clients should have access to me via email, text, or call whenever they need.

I chose the name 5 O’Clock Financial because, for most people, 5 o’clock is the time when work stops and life begins. But financial freedom means you don’t have to wait until the end of the day—or the end of your career—to enjoy life. You can start making the most of your money now.

Because every day should feel like quitting time.