Services

We provide advice-only retirement planning that is completely unbiased. There are no products, no commissions, just advice. If you are less than 10-years from retirement, then you need a retirement plan. Getting started is easy. We have a simple four step process to create a retirement plan.

We use a collaborative financial planning process that lets you keep and maintain the plan going forward. We will work together to build a detailed retirement plan on our innovative financial planning platform. You will have full access to the platform to make changes and maintain your plan in the future.

Retirement Consult: $950+tax

Let’s review your retirement plan together! The Retirement Consult includes two meetings, an initial 15-30 minute Intro Call to make sure we’re a good fit, and an in-depth 60-90 minute Retirement Consult meeting to build and review your plan together.

The Retirement Consult is a working session; we will bring up your financial plan on the platform and build & review it together on the call. This option is specifically for those who have started their retirement plan on adviice.ca.

The Retirement Consult includes 2-3 hours of prep time before the meeting as we review your plan. Both calls are recorded, and you’ll receive a copy after the meetings. You will also receive 3-5 key actions to help you optimize your retirement plan.

The Retirement Consult is for less complex situations, it is not for rental property owners and/or incorporated business owners.

Retirement Planning Engagement: $3,950+tax

The Retirement Planning Engagement is a longer 8-week engagement that includes three meetings and two detailed reports. During that time, we will work one-on-one to build a custom retirement.

Together we will evaluate up to 5 different retirement scenarios, identify ideal timing for CPP & OAS, add spending phases in retirement (go-go, slow-go, no-go), evaluate spending guardrails based on investment returns, plan RRSP meltdown strategies, and determine how much you can spend without running out of money. For couples we will also evaluate survivor scenarios. We will also identify tax planning and income splitting opportunities and evaluate your retirement success rate & help you gain peace of mind.

We will have an initial 15-30 minute Intro Call to make sure we’re a good fit, a 60-90 minute Foundation Meeting to review facts, assumptions, opportunities, and risks, plus a 60-90 minute Planning Presentation Meeting to review the scenarios, strategies, and recommendations.

You will also receive two detailed reports, a Foundation Report and a Planning Report with detailed charts, tables, and recommendations. All three meetings are recorded, and you’ll receive a copy after the meetings.

Incorporated Business Owners or Multiple Rental Properties: $5,950+tax

Unfortunately, this service is not offered at this time.

Ongoing Planning & Support (Optional): $1,500/year

We support ongoing clients with changes to their retirement plan from year-to-year. Each year we update your plan with new goals, inflation rates, investment returns, tax rates etc. etc. We find new opportunities or identify new risks. We update the plan to help you make the right decisions each year as your plan evolves.

Ongoing planning includes two set meetings each year plus ongoing support via email/phone…

Meeting #1: Every year we update your retirement plan in January/February based on new tax rates, investment balances etc. We identify new savings/withdrawal targets for the year, we update spending/savings assumptions, and we provide you with a new “roadmap” for the year.

We also update your “min” and “max” spending guardrails based on last year’s investment returns, helping you spend more during good years and avoid running out of money during bad years.

Meeting #2: Towards the end of the year, we prepare for end of year planning opportunities. In September/October we meet again to check on the actions we had from the beginning of the year and ensure we’re making the necessary savings/withdrawals for year-end tax planning.

Note: We can only work with so many clients at one time and have limited availability for ongoing planning.

Steps for Retirement Consult

Step 1: Intro Call & Proposal
Start your plan on adviice.ca and then book a free intro call. Receive a detailed proposal with next steps. Note: We only have availability for 1-2 new Intro Calls per week, please check back weekly for new time slots.

Step 2: Retirement Consult
Our team will provide you with a unique booking link to schedule your consult meeting. During the meeting we will build and review your plan together. You will receive a recording of the meeting plus 3-5 key actions to help you optimize your retirement plan.

Steps for Retirement Planning Engagement

Step 1: Intro Call & Proposal
Start your plan on adviice.ca and then book a free intro call. Receive a detailed proposal with next steps. Note: We only have availability for 1-2 new Intro Calls per week, please check back weekly for new time slots.

Step 2: Discovery Phase
Use the platform to gather information and facts to help us build a detailed plan. Our team will identify any gaps or missing information.

Step 3: Foundation Phase & Report
Review the facts, assumptions, opportunities, and risks. Review the Foundation Report together on a recorded 60-90 minute Foundation Call.

Step 4: Planning Phase & Report
Review the detailed scenarios, strategies, and recommendations. Review the Planning Report together on a recorded 60-90 minute Planning Presentation Call.

10x Guarantee

At PlanEasy we strongly believe that this type of unbiased retirement planning is extremely valuable to Canadians. In fact, we believe its so valuable that we have a 10x Guarantee. We will provide retirement planning options that improve your plan by at least 10 times the cost of your initial engagement or we’ll provide a full refund.

Fees are subject to tax.

*Support is subject to business hours. Customers can expect a response in 1-business day for the first email each month and 2-3 business days for any subsequent emails. Financial planners cannot provide specific recommendations in the community forum or over email. Clients who need to make an important financial decision are encouraged to work one-on-one with a financial planner.

**We believe “fit” is very important. We focus on retirement planning for less complex situations. We do not work with incorporated business owners and we do not work with multiple rental property owners. We also do not provide advice for cross border retirement planning.