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Fee For Service Planning


Helping Canadians from Coast to Coast

 

 

Unbiased and Personally Tailored Financial Plans

No product pushing or embedded commissions. Just straightforward, personalized advice delivered by a CFP professional.

 

 

Choose From 1 of Our 4 Options Below 

Individual Financial Plan

$3500

For Individuals looking to build a clear Retirement and Estate plan

Our Individual Plan Includes:

  • A clear plan to maximize cashflow while minimizing taxes throughout retirement.
  • Comprehensive retirement cashflow plan.
  • Knowledge when to take CPP and OAS.
  • An estate plan and on death tax bill reduction.
  • An 'optimal' retirement scenario using our RRSP Meltdown and Laddered Income strategies.
  • Tax management around investment accumulation and decumulation to compliment both the estate and retirement plan.
  • We help you transition from paycheck to 'playcheck.'
  • Defined Benefit Pension planning - a plan for what to do if you commute your pension.
  • An ideal spending plan built around your go go, slow go and no go stages of retirement. 
  • 3 months of post-delivery support  to answer questions, clarify, or discuss any financial planning topics that may come up.
  • Plan updates after plan delivery are done on a discounted rate.
  • Access to our Financial Masterclass - over 100 educational videos and content created in house for our clients.  
 
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Household Financial Plan

$4000

For Households looking to build a clear Retirement and Estate plan

Our Household Plan Includes:

  • Everything in the Individual Financial Plan, plus...
  • Spousal income splitting optimization.
  • Registered account withdrawals taking into consideration moving parts from both spouses.
  • The ideal CPP and OAS timing that compliments both spouses within the planning.
  • Household RRSP Meltdown and Laddered Income strategies.
  • Stress tests to ensure longevity of the plan if one spouse/partner passes early.
  • Leveling of average tax rates between the spouses to ensure optimal tax efficiency. 
  • 3 months of post-delivery support  to answer questions, clarify, or discuss any financial planning topics that may come up.
  • Plan updates after plan delivery are done on a discounted rate.
  • Access to our Financial Masterclass - over 100 educational videos and content created in house for our clients. 

 

 

 

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Corporate & Rental Plan

$6000

For Canadians with multiple Rental Properties or a Corporation

Our Corporate & Rental Plan Includes:

  • Everything in the Household Financial Plan, plus...
  • For those Canadians with more than one revenue generating property and/or a corporation.
  • Corporate tax and income planning.
  • Capital Dividend Account planning and utilization.
  • Transitioning your assets from corporate to the personal side both tax efficiently and timely.
  • Alternate scenarios for retirement - showing detailed cashflow and tax analysis.  Examples Include: sale of real estate, delaying CPP, inheritance, and sale of business.
  • 3 months of post-delivery support to answer questions, clarify, or discuss any financial planning topics that may come up.
  • Plan updates after plan delivery are done on a discounted rate.
  • Calculations for up to 3 rental properties. Please contact us if you have more than 3 rental units.
  • Access to our Financial Masterclass - over 100 educational videos and content created in house for our clients.
 
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Portfolio Management & Planning Services

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Ongoing Portfolio Management for your Investment Accounts

 Who this is for:

  • Canadians tired of paying high fees at your current financial institution without receiving adequate service.
  • A desire for more transparency in your investment portfolio - what you own and what you pay.
  • Those looking to invest in alternative options compared to stocks and bonds. Such As: private equity or MICs.
  • Individuals looking for more of a comprehensive investment experience versus your mutual funds.
  • Those that desire a long term relationship with a Financial Planning team to walk you into/through retirement.
  • Tax efficiency around your investments to best compliment your retirement and estate plan.
  • Portfolio customization and full fee transparency
  • Estate Planning advice around your will, POA, planned giving and other estate and asset transition on death.
  • *Includes a full Financial Plan and ongoing review and support - our team quarterbacks your financial world!* 

 

LEARN MORE

Step #1

Purchase Your Plan

Click on the package above that best suits your needs.  Click 'add to cart' and make payment securely online with a credit card or debit card.

If you would like to chat before paying, book a call through the link below.

Step #2

Gather Information

1. Receive a welcome email from our office along with a fact finding form and engagement disclosure

2. Complete the forms and send back to our office

3. Book a Zoom call for 'optimal' plan delivery

Step #3

Plan Presentation

We will review and fine tune your plan with you over zoom to ensure it meets your retirement goals.  

Our plan delivery is typically 3-8 weeks from when we get your information back.

Step #4

Plan Delivery

Our deliverable includes:

Executive Summary; 
PDF Plan Breakdown; 
Detailed Excel Spreadsheet; 
Personalized 10-minute Video: breaking down your plan numbers and details; 
Retirement Resource Manual

Sample of our Financial Plan

Our Financial Plans are built on a dynamic program and we go through it with you in fine detail to make sure you have a complete understanding of every small detail from income flow, tax, estate planning and more. 

Our plan deliverable includes an Executive Summary, PDF and Excel of the plan, as well as a video breakdown of your plan PDF so you know how to read the report.

VIEW THE SAMPLE HOUSEHOLD PLAN
VIEW THE SAMPLE CORPORATE PLAN

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