S E R V I C E S
Retirement looks different for everyone. Your plan should too.
Whether you’re still building toward retirement or already living it, the goal is the same: a clear picture of where you stand and a strategy to get you where you want to go.
STILL ACCUMULATING
Building toward retirement
For people who aren’t ready to retire yet but want to know when they can.
A retirement target
A clear picture of what you need to retire and when you can realistically get there.
A savings strategy
How much to set aside each year to stay on track.
RRSP vs TFSA guidance
Which accounts to prioritize based on your income, tax situation, and timeline.
PRIMARY FOCUS
At or near retirement
For people approaching retirement, or already retired, who want a reliable income plan for the years ahead.
Maximum sustainable spending
A clear number for how much can be spent every year without running out, based on all assets and income sources combined.
Tax-optimized income strategy
A target taxable income that keeps the tax bill as low as possible across retirement, factoring in pensions, RRSPs, LIRAs, and all other sources.
CPP and OAS timing
The right age to start each benefit based on the full picture, not a generic recommendation.
All clients receive a written plan covering their specific situation. Plans address cash flow, net worth, debt, insurance, estate planning, and income splitting opportunities, where applicable.
HOW IT WORKS
STEP 01
INITIAL CONNECTION
A conversation to see if working together is a good fit. If both sides agree, the next step is gathering the documents needed to get to work.
STEP 02
GETTING TO KNOW YOU
A deeper conversation about your goals, concerns, and what a successful retirement looks like for you.
STEP 03
BUILDING YOUR PLAN
Projections, analysis, and recommendations across all areas of your financial picture.
STEP 04
PLAN PRESENTATION
A walkthrough of the plan together, covering your position, the recommendations, and the scenarios that matter most to you.
ONGOING SUPPORT
A plan is only as good as what happens next.
The real value of a retirement income plan isn't the document. It's having someone who understands it, keeps it current, and makes the right adjustments as your life evolves. That's what ongoing clients get.
Ongoing clients meet twice a year to review their situation and make sure everything is on track. When something material changes, whether it's a health event, a family change, or a shift in plans, the plan gets rebuilt around the new reality. In between meetings, clients can reach out whenever something comes up. And when something needs attention, they hear from us first.
The goal is simple. Ongoing clients get to live their retirement without thinking about the financial details. That part is handled.
TRANSPARENT PRICING
What you actually pay
Fees are disclosed in full, upfront. That includes the advisory fee and the cost of the portfolio, so there are no surprises.
About 1.50% all-in for portfolios up to $1 million
That includes the advisory fee (plus HST) and the cost of the portfolio.
PORTFOLIO SIZE
Up to $1,000,000
Next $2,000,000
ADVISORY FEE
Above $3,000,000
1.00%
0.75%
0.50%
Portfolio costs (fund MERs) are approximately 0.30 to 0.40% and vary by the investments selected. These are disclosed in full before any account is opened.
Fees are tiered and your blended rate decreases automatically as your assets grow. There are no long-term contracts and you can cancel at any time.
Ready to get started?
Reach out and we’ll figure out the right path together.