The applicants, who were foster parents to a 16-month-old child, applied to adopt him.
The Children's Aid Society refused the application due to concerns about the applicants' financial stability and increasing debt.
The applicants applied to the Child and Family Services Review Board for a review of the refusal.
The Board first determined it had jurisdiction to hear the review even though the child was not yet a Crown ward.
On the merits, the Board found that while the applicants provided excellent care, their financial instability and lack of budgeting posed a risk to the child's future security.
The Board confirmed the Society's decision to refuse the adoption application.