Financial freedom starts with a plan.
Most people have financial pieces, but not a finished puzzle. We provide the roadmap so you can choose your path.
PLANNING SERVICES
ACCUMULATION PLANNING
Suitable for those who are established in their careers and are looking to accelerate their retirement date.
Retirement Projection: Understand your “Financial Independence” number and when you can retire.
Customized Savings Strategies: Know how much you need to save, and which accounts to prioritize (RRSP or TFSA).
Portfolio Review: Assessment of asset allocation, diversification, performance, fees, and suitability.
Group Plan Integration: Ensure your workplace retirement plans are optimized and working in harmony.
INCOME PLANNING
Suitable for those who are near retirement, or are already retired and need sustainable lifetime income.
Retirement Longevity: Set up your retirement paycheque and understand how much you can spend every year without running out.
Tax-Efficient Withdrawal Strategies: A focus on which accounts to tap into first (RRIF, LIF, TFSA, or Non-Registered) to keep taxes low and maximize your lifestyle spending.
Pension Optimization: Know exactly when you should start your government benefits (CPP and OAS).
Note: All plans are written and can include multiple scenarios based on your individual, personalized situation. In addition to the services mentioned above, plans also include analysis in the following areas: cash flow management (income and expenses), net worth tracking, debt planning and repayment, insurance and estate planning, tax minimization strategies and income splitting opportunities (where applicable).
OUR PROCESS
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We start by having a conversation to see if working together is a good fit. We'll discuss your goals and general financial situation, and you'll get a sense of our approach and how we can help.
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After we agree to work together, we’ll share a list of documents you’ll need to get before we can start. When we have all of your statements, we’ll book our next meeting.
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This meeting is all about getting to know you better. We'll dive deeper to understand your situation, life goals, concerns, and aspirations. This allows us to clearly define what success looks like for you, and it provides the foundation for your personalized financial plan.
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With the information you've shared, we start to build your plan. This involves running projections, analyzing scenarios, and developing customized recommendations across all areas of your finances so we can turn your goals into a cohesive, actionable strategy for you.
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When your plan is ready, we'll meet again to review it. We’ll discuss your position, our recommendations, and your next steps in a way you understand.
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A plan is only as good as its execution. This is where we move from paper to reality, and where you’ll have an important decision to make. You can take the plan and implement it on your own. Or, if you’d prefer to hand off the details to a professional, we offer a full-service experience where we handle everything for you.
ONGOING SUPPORT
For those who prefer to delegate the technical management so they can reclaim their time, we provide a full-service experience:
Proactive Course Correction: Your life doesn’t stand still, and neither should your plan. We provide continuous updates to ensure your financial roadmap evolves as you do.
The “Done-For-You” Experience: We handle the heavy lifting. From paperwork and transfers to full implementation, we manage the technical details so you can stay focused on living your life.
Priority Support: Life happens between meetings. As a full-service client, you have a dedicated partner for unlimited support during big decisions and those unexpected “what if” moments.
Peace of Mind: You get the freedom of knowing that a professional is always overseeing your plan.
TRANSPARENT PRICING
Our goal is simple: no surprises or hidden costs. Here is a complete picture of what you can expect to pay.
Advisory Fee:
Account Size Annual Fee
First $1,000,000 1.00%
Next $2,000,000 0.75%
Above $3,000,000 0.50%
How it works: Our advisory fee is tiered. For example, if you have $1.5 million with us, you pay 1.00% on the first million, and 0.75% on the remaining $500,000. This results in a blended fee of 0.92%, which automatically decreases as your assets grow. HST applies to our advisory fee.
Investment Cost (MER): The investments we use also carry their own internal cost, known as a Management Expense Ratio (MER). This fee is embedded within the fund itself and is not visible to you, but it’s a real cost and you deserve to know about it. The portfolios we typically use have MERs ranging from 0.30% to 0.40% annually.
Total Estimated Cost: When you combine our advisory fee and the funds MER, the all-in cost for most clients falls in the range of approximately 1.30% to 1.40% (plus HST on the advisory portion). This is the number that matters most when comparing options.
You Are In Control: There are no long-term contracts. You are never locked in. You have complete control and are free to make changes or end the relationship at any time.