Personal Financial Planning

We provide holistic, personalized financial planning services that cater to your unique goals, values, and lifestyle. Whether you’re planning for retirement, growing your wealth, or navigating life’s transitions, we take a comprehensive approach to ensure your financial decisions align with your long-term vision

Who Chooses Us?

Clients choose us because we provide independent, unbiased advice tailored to their unique needs. Whether individuals, families, or business owners, our clients seek a trusted partner to help them make informed, confident financial decisions. They value our transparent, fee-only approach and appreciate our hands-on, proactive guidance in building and securing their financial future.

An older man and woman look over their personal finance financial planning

What we offer

Individual Financial Planning

Are you an individual looking to identify and work towards financial goals while improving your relationship with money?

Whats included?

  • Saving strategies for retirement, education, and other financial goals
  • Cash flow review and budget planning
  • Investment or other financial product review and analysis
  • Evaluation of asset allocations and appropriate risk tolerance
  • Review of insurance for life, disability, and critical illness
  • Optimizing taxes now and in the future
  • Individual legacy planning
  • Evaluation of up to one investment property and family cottage

Family Financial Planning

Are you a couple with or without children looking to identify and work towards financial goals while improving communication and your relationship with money?

Whats included?

  • Evaluation of Spousal RRSP accounts
  • Examination of family income splitting opportunities
  • Saving strategies for retirement, education, and other financial goals
  • Cash flow review and budget planning
  • Investment or other financial product review and analysis
  • Evaluation of asset allocations and appropriate risk tolerance
  • Review of insurance for life, disability, and critical illness
  • Optimizing taxes now and in the future
  • Family legacy planning
  • Evaluation of up to one investment property and family cottage

Retirement & Estate Planning

Are you approaching retirement or just looking ahead to make sure your golden years are meaningful, fulfilling, and financially stress-free?

Whats included?

  • Cashflow planning for various stages of your retirement as needs change with age
  • Integration of OAS & CPP, pension plans, personal savings, and other income streams
  • Tax efficient withdrawal planning designed to optimize retirement income and final estate taxes
  • Account-specific asset drawdown strategies
  • Advice on down-sizing, long-term care, and other key decision-making
  • Cash flow review and budget planning
  • Investment or other financial product review and analysis
  • Evaluation of asset allocations and appropriate risk tolerance
  • Evaluation of up to one investment property and family cottage

How does it work?

Our two-step process meets you where you are today, and supports you as you move towards your future goals and objectives.

Step #1: Initial Financial Planning

We start with a comprehensive assessment of your goals, values, and financial principles. Over four to eight weeks, we hold six meetings (in person or virtual) to understand your needs and create a fully tailored financial plan. We take the time to get to know you, providing ongoing financial education to ensure you can make informed decisions.

Step #2: Ongoing Financial Consultations

As life evolves, so should your financial plan. Our ongoing support includes regular consultations, review meetings, and adjustments to keep your plan aligned with your changing goals and circumstances.

Success is built on strong support and teamwork. We offer accountability, coaching, and expert guidance to help you navigate life’s transitions, stay on track, and make confident financial decisions, ensuring your plan always reflects your long-term objectives.

How much does it cost?

Initial Engagement

Individual Financial Planning

From $3750
and up

Family Financial Planning

From $4600
and up

Retirement & Estate Planning

From $4750
and up

Ongoing Support

Starting at $200 per month

annual range: $2,400 to $15,000 depending on complexity and services required

Investment Admin & Planning Fee (Optional)

$500 per year for assets under $500,000

$1,000 per year for assets between $500,000 and $1,000,000

$2,000 per year for assets over $1,000,000

What's included?

This fee applies only if investment management services are required. It covers:

  • Consistent monitoring of your investment portfolio
  • Data aggregation software (if using different investment managers or companies)
  • Administration of accounts
  • Portfolio reporting and analysis, including regular performance updates and adjustments