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.

Portfolio Second Opinion

$500 One-Time

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.

This six-page report summarizes your current investment portfolio across multiple accounts, your asset allocation for each account as well as for your overall portfolio, and your investment fees for each investment, each account, and overall portfolio.

Understand if your investment portfolio is working for you.

Pre-Retirement Plan

$1,000 One-Time

Get the peace of mind knowing you’re on the right track to reach your retirement goals. Our pre-retirement plan looks specifically at the 10+ years leading up to retirement and the 40+ years after retirement. We help you reach your goals faster by optimizing the both the accumulation and decumulation of investment assets to minimize income taxes and government clawbacks. Get a detailed estimate for government benefits like Canada Pension Plan (CPP), Old Age Security (OAS) and Guaranteed Income Supplement (GIS).

We provide a year-by-year projection for all aspects of your retirement plan. We help plan which accounts to draw from and when, and include a year-by-year projection for income, expenses, assets, debts, account contributions & withdrawals, taxes, government benefits etc. We look for opportunities to help you build up and draw down your assets in the most efficient way possible.

We provide up to three scenarios side-by-side to help evaluate decisions around when to take government benefits, the impact of buying a vacation property, the possibility of retiring earlier or spending more in retirement etc.

Ideal for those who want an unbiased second opinion on their retirement plan. We test the success rate of each scenario over multiple historical periods of stock, bond, and inflation rates, so you can feel secure with your finances going forward. And importantly for couples, we provide two survivor scenarios to help ensure you’re not surprised by reduced survivor benefits for CPP, OAS, or defined benefit pensions.

Enjoy the peace of mind knowing you’re on the right track to reach your retirement goals.

(Limited to residents of Ontario)

Custom Financial Plan

$2,000 One-Time

Feel secure with your financial future. Get a comprehensive financial plan customized to your values and goals.

Our custom financial plan spans up to 70-years, from the 10 to 30+ years before retirement to the 40+ years after retirement. Feel secure with your financial future by anticipating changes to your income, expenses, and savings rate. See up to three scenarios side by side to help you evaluate different options. See how big decisions may impact your long-term goals.

For each scenario, we plan every aspect of your finances and create a detailed year-by-year plan from today until age 100. The custom financial plan includes projections for income, expenses, assets, debts, account contributions & withdrawals, taxes, government benefits etc.

Identify potential income splitting opportunities both now and in retirement. Make sure you’re saving in the best way possible.
You get a detailed estimate for government benefits like the Canada Child Benefit (CCB), Canada Pension Plan (CPP), Old Age Security (OAS), Guaranteed Income Supplement (GIS) etc.

We also test the success rate of your plan over multiple historical periods of stock, bond, and inflation rates, so you can feel secure with your finances going forward.

Every plan includes a detailed, step-by-step implementation plan for you to follow and, more importantly, you get the peace of mind knowing you have a detailed plan to reach your financial goals.

(Excludes business owners and US citizens)

Regular Planning + Advice

$750 per year

Work with a financial planner to improve your financial routine and keep your financial plan on-track. Make adjustments to your financial plan as your circumstances change. Take advantage of new tax and benefits legislation as changes are made.

Financial plans are updated annually to include changes to your goals, changes to your portfolio returns, changes to your income and expenses, and changes to government taxes & benefits.

With regular planning + advice, clients have the peace of mind knowing that they’re always on the right path to reach their financial goals.

Portfolio Second Opinion

$500 One-Time

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.

This six-page report summarizes your current investment portfolio across multiple accounts, your asset allocation for each account as well as for your overall portfolio, and your investment fees for each investment, each account, and overall portfolio.

Understand if your investment portfolio is working for you.

Pre-Retirement Plan

$1,000 One-Time

Get the peace of mind knowing you’re on the right track to reach your retirement goals. Our pre-retirement plan looks specifically at the 10+ years leading up to retirement and the 40+ years after retirement. We help you reach your goals faster by optimizing the both the accumulation and decumulation of investment assets to minimize income taxes and government clawbacks. Get a detailed estimate for government benefits like Canada Pension Plan (CPP), Old Age Security (OAS) and Guaranteed Income Supplement (GIS).

We provide a year-by-year projection for all aspects of your retirement plan. We help plan which accounts to draw from and when, and include a year-by-year projection for income, expenses, assets, debts, account contributions & withdrawals, taxes, government benefits etc. We look for opportunities to help you build up and draw down your assets in the most efficient way possible.

We provide up to three scenarios side-by-side to help evaluate decisions around when to take government benefits, the impact of buying a vacation property, the possibility of retiring earlier or spending more in retirement etc.

Ideal for those who want an unbiased second opinion on their retirement plan. We test the success rate of each scenario over multiple historical periods of stock, bond, and inflation rates, so you can feel secure with your finances going forward. And importantly for couples, we provide two survivor scenarios to help ensure you’re not surprised by reduced survivor benefits for CPP, OAS, or defined benefit pensions.

Enjoy the peace of mind knowing you’re on the right track to reach your retirement goals.

(Limited to residents of Ontario)

Custom Financial Plan

$2,000 One-Time

Feel secure with your financial future. Get a comprehensive financial plan customized to your values and goals.

Our custom financial plan spans up to 70-years, from the 10 to 30+ years before retirement to the 40+ years after retirement. Feel secure with your financial future by anticipating changes to your income, expenses, and savings rate. See up to three scenarios side by side to help you evaluate different options. See how big decisions may impact your long-term goals.

For each scenario, we plan every aspect of your finances and create a detailed year-by-year plan from today until age 100. The custom financial plan includes projections for income, expenses, assets, debts, account contributions & withdrawals, taxes, government benefits etc.

Identify potential income splitting opportunities both now and in retirement. Make sure you’re saving in the best way possible.
You get a detailed estimate for government benefits like the Canada Child Benefit (CCB), Canada Pension Plan (CPP), Old Age Security (OAS), Guaranteed Income Supplement (GIS) etc.

We also test the success rate of your plan over multiple historical periods of stock, bond, and inflation rates, so you can feel secure with your finances going forward.

Every plan includes a detailed, step-by-step implementation plan for you to follow and, more importantly, you get the peace of mind knowing you have a detailed plan to reach your financial goals.

(Excludes business owners and US citizens)

Regular Planning + Advice

$750 per year

Work with a financial planner to improve your financial routine and keep your financial plan on-track. Make adjustments to your financial plan as your circumstances change. Take advantage of new tax and benefits legislation as changes are made.

Financial plans are updated annually to include changes to your goals, changes to your portfolio returns, changes to your income and expenses, and changes to government taxes & benefits.

With regular planning + advice, clients have the peace of mind knowing that they’re always on the right path to reach their financial goals.

Fees are subject to HST.

No commissions. No sales goals. Just advice.

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