Services

We provide advice-only financial planning that is completely unbiased. We offer clients a few different services, from self-directed planning using our innovative financial planning platform, to custom financial planning engagements with an advice-only financial planner.

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

Self-Directed Financial Plan

(Ontario Only)

Build your own financial plan! Create a Self-Directed Financial Plan using our innovative financial planning platform. Create your own financial plan quickly in three simple phases. Find new tax and benefit opportunities, learn best practices, and confirm you’re on the right track to reach your financial goals.

Bonus! Includes a 1-hour session with an advice-only financial planner to review your plan and identify opportunities.

What’s Included…
  • Confirm you’re on the right track (or if you need to make changes)
  • Identify new tax and gov. benefit opportunities
  • Help videos from advice-only financial planners
  • Customize your financial plan to perfectly fit you and your goals
  • Access your plan at any time, day or night
  • Visually map your income and spending
  • Identify new cash flow opportunities
  • Get insights into family expenses
  • Plan for education funding using RESPs and grants
  • See the impact of spending changes on your long-term plan
  • Learn new best practices
  • Pay off debt faster
  • Plan short and medium-term goals
  • Create an investment plan for long-term goals
  • Plan retirement decumulation
  • See the impact of RRSP to RRIF conversion timing
  • Automatic estimates for government benefits like CCB, GIS, and many more
  • Automatic estimates for retirement benefits like CPP and OAS
  • Automatic calculations for income tax, CPP and EI contributions
  • Automatic income splitting for couples
  • Know exactly what to do with a detailed year-by-year road map
  • Long-term projections for net worth, income, expenses, and taxes
  • Understand your financial plan’s success rate from 0% to 100%
  • Estimate the chance of running out of money in retirement
  • 60-day access to the platform to build your Self-Directed Financial Plan
  • Access to the PlanEasy Community as you build your plan
  • On-going access to the platform (optional with monthly fee)

$495

One-time

Initial plan
60-day access to platform
Community support

+$15

Per Month

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

Custom Financial Plan

(All Provinces and Territories)

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

What’s Included…
  • Free 30-minute Discovery call with an advice-only financial planner
  • Second opinion on your current and 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
  • Estimates for government benefits like CCB, GIS, and more
  • Estimates for retirement benefits like CPP and OAS
  • Explore different options with up to 3 separate scenarios
  • Know exactly what to do with a detailed year-by-year road map
  • Longer-term projections for net worth, income, expenses, and taxes
  • Understand your financial plan’s success rate from 0% to 100%
  • Estimate the chance of running out of money in retirement
  • 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 (optional with monthly fee)
  • Semi-annual checkpoints (optional with monthly fee)
  • Annual plan updates (optional with monthly fee)

$2,950

One-time

Initial plan
90-day access to platform
Dedicated advice-only financial planner
3 one-on-one meetings

+$95

Per Month

First 90-days free, cancel anytime
Semi-annual checkpoints
Annual plan updates
Progress tracking

Advanced Financial Plan

(All Provinces and Territories)

The Advanced Financial Plan is for more advanced situations, this includes self-employed business owners, rental property owners, unique types of compensation (RSUs, stock options, large commissions and income etc), 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 an advice-only 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 and retirement spending vs benchmarks
  • Best practices to help manage income and spending
  • Recommendations to help prepare for emergencies and infrequent expenses
  • Self-employed business income and expenses
  • Evaluating your rental property 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
  • Estimates for government benefits like CCB, GIS, and more
  • Estimates for retirement benefits like CPP and OAS
  • Explore different options with up to 5 separate scenarios
  • Know exactly what to do with a detailed year-by-year road map
  • Longer-term projections for net worth, income, expenses, and taxes
  • Understand your financial plan’s success rate from 0% to 100%
  • Estimate the chance of running out of money in retirement
  • 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 (optional with monthly fee)
  • Semi-annual checkpoints (optional with monthly fee)
  • Annual plan updates (optional with monthly fee)

$4,950

One-time

Initial plan
120-day access to platform
Dedicated advice-only financial planner
4 one-on-one meetings

+$225

Per Month

First 120-days free, cancel anytime
Quarterly checkpoints
Annual plan updates
Progress tracking

60-Minute Session

Sometimes you just need a bit of extra help. Meet with an advice-only financial for 60-minutes to review your financial plan, identify new opportunities, or discuss a big decision. Ensure you’re on the right track without the need for a full one-on-one engagement. The 60-Minute Session is restricted to customers on a Self-Directed Plan, Custom Plan, or Advanced Plan.**

$250

Add to any Self-Directed Plan, Custom Plan, or Advanced Plan.

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. The Portfolio Second Opinion is restricted to customers on a Custom plan or Advanced plan.

$500

Add to any Custom or Advanced plan.

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 choose a Custom Financial Plan or Advanced Financial Plan and work one-on-one with a financial planner.

**The 60-Minute Session is meant for simpler situations, depending on the scope and complexity of your situation, an upgrade to a one-on-one engagement may be necessary.

No commissions. No sales goals. Just advice.

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