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.
*New for 2023 - payment will be split into 2 equal payments. The second payment will be taken 30 days after your first payment*
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.
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.
Corporate & Rental Plan
$6000
For Canadians with Rental Property 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.
Portfolio Management & Planning Services
Book a call below
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!*
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.
Pension Commuted Value Calculation
$1500
A Clear Calculation to Determine Pension or Commuted Value Options
Pension Calculation Plan Includes:
- A clear breakdown of your current pension and determining whether it financially makes more sense to take commuted value or the lifetime pension option provided by your previous employer.
- This is not a comprehensive plan, but entirely isolates your pension and commuted value to determine which option provides the most income through retirement to fund your lifestyle.
- If you opt for either the individual, household, or corporate & rental plans listed above, this calculation is included and takes into account your entire financial world including a meltdown method of the commuted value based on all investments and goals.
- This plan package does not have the same deliverable as our other options, but we will discuss the pension versus commuted value over Zoom and provide a summary to help you make an informed decision.
