Services & Packages
Get Clarity for Every Decision
We start with a clear understanding of your goals, so you get guidance to achieve them. I’ve built these plans to reflect the complexity of insight your current situation requires. (The more complex, the higher the fee.) All my clients in every plan receive unbiased advice because I collect no commissions, referral fees, or percentages from your investment choices.
Each plan covers six key areas:
Cash flow
Insurance and risk
Investments
Retirement projections
Tax
Estate planning
Core Planning Engagements
Plan A
Mid-Career
Plan B
Near/In Retirement
Plan C
Caregiver
Price | $3200 + tax | $4200 + tax | $5880 + tax |
Initial Zoom Meetings | 2 | 2 | 3 |
Duration | 8 weeks | 8 weeks | 12 weeks |
Customized Written Plan | ✓ | ✓ | ✓ |
Clear Action Steps | ✓ | ✓ | ✓ |
Savings Prioritization | ✓ | ✓ | ✓ |
Tax Planning Strategoes | ✓ | ✓ | ✓ |
Investment Strategy Review | ✓ | ✓ | ✓ |
Cash Flow / Spending Plan | ✓ | ✓ | ✓ |
Asset Allocation Guidance | ✓ | ✓ | ✓ |
Retirement Timing Guidance | ✓ | ✓ | ✓ |
Estate Planning | ✓ | ✓ | ✓ |
CPP, OAS, & Pension Timing | ✓ | ✓ | |
Gift Planning | ✓ | ✓ | |
Withdrawal Strategy | ✓ | ✓ | |
Coordinating with Provincial Programs | ✓ | ||
Disability Tax Credit & RDSP Guidance | ✓ | ||
Provincial Supports Coordination | ✓ | ||
Henson Trust Planning | ✓ |
Plan A
You’re mid-career, establishing financial roots
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You’re mid-career, juggling competing responsibilities, and raising a family
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You’re capable and motivated, but you don’t have endless time to deep-dive into the financial details.
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You want a professional to help you prioritize your savings, choose the right account types, and get clear on what matters most right now.
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You’re looking to course-correct early while time is still on your side and want a written, customized plan that tells you exactly what steps to take next.
Plan B
Your Retirement is here or within 10 years
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You want clarity around all the moving parts: CPP, OAS, pension timing, withdrawal strategies, tax efficiency, income splitting, estate considerations, gifting, cash reserves, and how to invest in retirement.
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You’re thoughtful and proactive, and you want someone to help you simplify complex decisions so you feel confident about every stage of retirement.
Plan C
You’re a Caregiver for a Disabled Family Member
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You are caring for a loved one with a disability, and you need specialized guidance that goes beyond everyday financial planning.
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You are navigating programs, benefits, and long-term security, and you want support making decisions around RDSP optimization, the Disability Tax Credit, Henson Trust planning, and coordination with provincial or territorial disability support systems.
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You want a plan that considers two futures: your loved one’s long-term stability and your own retirement needs.
Ongoing Planning & Support
Plan A
Mid-Career
Plan B
Near/In Retirement
Plan C
Caregiver
Price | $1,596/yr $133/month | $2,280/yr $190/month | $2,880/yr $240/month |
Help Implementing Recommendations | ✓ | ✓ | ✓ |
Two Annual Zoom Meetings | ✓ | ✓ | ✓ |
Email & Phone Support | ✓ | ✓ | ✓ |
Priority Scheduling | ✓ | ✓ | ✓ |
Ongoing Access to Retirement Software | ✓ | ✓ | ✓ |
Personal Tax Preparation Add-On:
Make your filing process smooth and keep the most money in your pocket.
(For ongoing clients only. Fee paid separately.)
Nurture Your Plan With User-Friendly Software
All Clients are set up with private accounts on a secure financial planning software, built specifically for Canadians.
It keeps things simple for people who prefer a low-tech experience, and it has all the charts and detail that number crunchers love.
(Ongoing Planning clients receive continued access so we can easily update your plan when life changes.)