Services

We’re committed to our clients. We provide comprehensive financial planning that is objective and independent. We offer clients a few different services, from custom financial planning to tailored one-on-one advice.

We keep our fees simple, there are no products, no commissions, just advice.

Quickstart Plan

The Quick Start Plan focuses on 2-3 of your most important financial issues. Work with a financial planner to create this streamlined version of a custom financial plan. Perfect for making an immediate financial decision or for a quick second opinion on your personal finances.

What’s Included…
  • Free 30-minute Discovery call with a financial planner
  • Focus on 2-3 important issues, for example…
    • Retirement readiness
    • Managing income and spending
    • Debt payoff
    • Starting a family
    • Buying a house
    • Buying a rental property
    • Saving and investing
    • Taxes and benefits (RRSP vs TFSA, income splitting, severance, commuted value etc.)
    • And more…
  • 60-day access to the platform to build your Quickstart Plan in collaboration with your financial planner
  • 30-minute Foundation meeting to confirm facts and assumptions
  • 60-minute Plan Presentation meeting to review final recommendations
  • On-going access to the platform to update your plan and track your progress (optional)

$1,450

One-time

Initial plan
60-day access to platform
Support from financial planner
3 one-on-one meetings

+$15

Per Month

First 60-days free, cancel anytime
Automated plan updates
Progress tracking

Custom Financial Plan

The Custom Financial Plan perfectly reflects your values and goals and helps you feel secure with your financial future. Work with a financial planner to create a custom financial plan that spans from today all the way until late retirement. We plan every aspect of your finances and create a detailed year-by-year plan to help make the most of your money.

What’s Included…
  • Free 30-minute Discovery call with a financial planner
  • Second opinion on your current spending and your retirement spending vs benchmarks
  • Best practices to help manage income and spending
  • Recommendations to help prepare for emergencies and infrequent expenses
  • Plan for starting a family with changes to income and expenses
  • Pay off debt faster with a debt payoff plan and monthly payment goals
  • Education plan for children’s post-secondary education
  • Savings plan for short and medium-term goals
  • Investment plan for long-term goals like retirement
  • Decumulation plan for retirement income
  • Income splitting opportunities for couples both now and in retirement
  • Estimate for government benefits like CCB, CPP, OAS, GIS etc
  • Understand different options with up to 3 separate scenarios
  • Know exactly what to do with a detailed 10-year plan for income, expenses, debt payments, savings, and investments
  • Longer-term projections for net worth, income, expenses, and taxes
  • Success rate for each scenario based on historical investment returns for extra peace of mind
  • 90-day access to platform to build your Custom Financial Plan in collaboration with your financial planner
  • 30-minute Foundation meeting to confirm facts and assumptions
  • 60-minute Plan Presentation meeting to review final recommendations
  • On-going access to the platform to update your plan and track your progress (optional)
  • Semi-annual 30-minute Review meetings to update your plan and keep you on track (optional)

$1,950

One-time

Initial plan
90-day access to platform
Support from financial planner
3 one-on-one meetings

+$95

Per Month

First 90-days free, cancel anytime
Custom plan updates
Progress tracking
Semi-annual review meetings

Advanced Financial Plan

The Advanced Financial Plan is for more advanced situations, this includes business owners, multiple rental property owners, unique types of compensation (RSUs, stock options, large commissions and income etc), trusts, special executive pension plans etc. Receive all the benefits of our custom financial plan but with the extra attention required for these advanced financial planning situations. Work with a financial planner to create an advanced financial plan and explore big decisions with up to 5 separate scenarios.

What’s Included…
  • Free 60-minute Discovery call with a financial planner
  • Second opinion on your current spending and your retirement spending vs benchmarks
  • Best practices to help manage income and spending
  • Recommendations to help prepare for emergencies and infrequent expenses
  • Business income and expenses
  • Understanding corporate structure
  • Evaluating rental properties for cash flow and return on investment
  • Plan for starting a family with changes to income and expenses
  • Pay off debt faster with a debt payoff plan and monthly payment goals
  • Education plan for children’s post-secondary education
  • Savings plan for short and medium-term goals
  • Investment plan for long-term goals like retirement
  • Decumulation plan for retirement income
  • Income splitting opportunities for couples both now and in retirement
  • Estimate for government benefits like CCB, CPP, OAS, GIS etc
  • Understand different options with up to 5 separate scenarios
  • Know exactly what to do with a detailed 10-year plan for income, expenses, debt payments, savings, and investments
  • Longer-term projections for net worth, income, expenses, and taxes
  • Success rate for each scenario based on historical investment returns for extra peace of mind
  • 120-day access to platform to build your Custom Financial Plan in collaboration with your financial planner
  • 30-minute Foundation meeting to confirm facts and assumptions
  • 60-minute Plan Presentation meeting to review final recommendations
  • On-going access to the platform to update your plan and track your progress (optional)
  • Quarterly 60-minute Review meetings to update your plan and keep you on track (optional)

$3,950

One-time

Initial plan
120-day access to platform
Support from financial planner
4 one-on-one meetings

+$225

Per Month

First 120-days free, cancel anytime
Custom plan updates
Progress tracking
Quarterly review meetings

Portfolio Second Opinion

Get an unbiased second opinion for your investment portfolio. Our advice-only financial planners will do a comprehensive review of your portfolio looking at investment fees, asset allocation, diversification, and tax efficiency. Understand if your investment portfolio is working for you.

$500

Add onto an existing planning engagement.

Fees are subject to HST.

No commissions. No sales goals. Just advice.

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