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SERVICES

INITIAL CONSULTATION IS FREE

FEE BASED / ADVICE ONLY FINANCIAL PLANNING

Happy Family after getting a Financial Plan

FINANCIAL PLAN  

 

“Working towards the path to financial independence” 

 

​A full financial plan includes financial management, risk management, retirement planning, investment planning, tax planning and estate planning. During the process we will also create a family profile so that everything is understood.

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 Plan includes:

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  • Detailed review of your budget and recommendations

  • Cash and debt management; it is the key to creating your personalized plan

  • Financial goal setting and prioritization

  • Optimizing your savings, investing and tax planning

  • Estate Planning; answering all your questions regarding title, inheritance and applicable planning. 

  • Learn how to save tax through proactive planning

  • Creation of a written financial and goal action plan

  • Two meetings held via video conferencing

  • Answering any and all questions you have about your finances.

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We can determine this with our scenario analysis - this is the process of projecting your financial life into the future with our advanced financial planning software. We can offer 2-3 different scenarios to suit your situation / life preferences. 

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Price:  Starting at $2,500 + HST 

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Ideal for:

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  • Clarity and confidence to empower a DIY investor

  • Someone with a large amount of cash and is looking to put it to work

  • Equity and compensation analysis review / explanation

  • Tax reduction strategies

  • Planning for higher income / lower asset households

 

Should you require assistance with implementation of the plan we can add this to the package as required.

Financial Planning
Retirement Planning

RETIREMENT PLANNING
Detailed financial, values, and goals based written plan

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Common questions that Canadians face when they get close to retirement and are assessing their financial future: 

 

  • Will I have enough for retirement?

  • How much can I comfortably spend in a year in retirement?

  • What happens to my RRSP when I turn 71?

  • What are the differences between a RRIF and RRSP?

  • Are there any investment options suited to retirement?

  • What estate taxes and probate fees will I face?

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We can determine this with our scenario analysis - this is the process of projecting your financial life into the future with our advanced financial planning software. We can offer 2-3 different scenarios to suit your situation / life preferences. 

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In addition to your RRSP and TFSA, most Canadians are eligible for and uncertain of when to take their:

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  • CPP - Canadian Pension Plan

  • OAS - Old Age Security

  • Some sort of employer-sponsored plan?

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We will tell you how to tax efficiently live in retirement. Go over the best income splitting (if applicable) strategies. From which accounts to draw money from first and consult with you on your goals, values, and layout a yearly spending plan to suit your needs. All projected many years in the future with advanced, industry-leading software.

 

  • Service includes two meetings held by video conferencing

  • Written financial plan with recommendations

  • Action items and assistance with implementation

  • A retirement plan includes a projection well into the future for your financial affairs and life. 

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Price:  Starting at $2,500 + HST 

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Ideal for:

 

  • Someone in the "near retirement" life stage

  • Someone in retirement looking for a second opinion

  • Anyone wondering what retirement could look like for them in the future. 

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Should you require assistance with the implementation of the plan we can add this to the package as required.

Happy Couple - Get Retirement Planning Advice
Young Couple - INVESTMENT ANALYSIS SINGLE OR COUPLE

INVESTMENT ANALYSIS

 

"We offer a clear, unbiased, independent review of your investments. Whether you manage your own investments, hold them with an independent advisor, or through your company plan, we will give you an independent review.  We look at issues such as:

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  • What fees are you paying on these investments? Are you getting value for them?

  • How well are they performing?

  • Is your asset allocation right to meet your financial goals?

  • Are your investments tax efficient?

  • Is your asset risk profile right to meet your financial goals?

  • Should you invest in that rental property?

  • Help you understand the range of investment implementation options available in the marketplace: financial advisor, DIY, roboadvisor, etc.. This is done with our investing presentation via video call. 

  • Do you need help in finding the right investment / portfolio manager? We can conduct a thorough search on your behalf.  

  • Identify gaps and problems in the portfolio

  • We will present easy to understand recommendations for your portfolio. Financial planning should come BEFORE investing. 

 

Price: Starting at $​1,900 + HST

(dependent on complexity of client's financial situation)

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Investmet Analysis
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