Fee For Service
Retirement Planning
Helping Canadians from Coast to Coast
Choose From 1 of Our 4 Options Below
Option 1 | Individual Retirement 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.
- 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.
Options 2 | Household Retirement Plan
$4000
For Households looking to build a clear Retirement and Estate plan
Our Household Plan Includes:
- Everything in the Individual Retirement 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 plan.
- 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.
Option 3 | Corporate or 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 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.
- Calculations for up to 3 rental properties. Please contact us if you have more than 3 rental units.
Option 4 | Portfolio Management & Planning Services
Retirement Income Program
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!*
FEE FOR SERVICE PLANNING TEAM
Brett Martinson
CFP®, CLU®, B. Eng Mgt
Manager | Financial Planner
Brett began work within the financial industry dating back to 2012, and enjoys both the analytical aspect of financial planning, as well as the personal side of meeting with clients.
Jon Kutney
CFP®, CIM®
Financial Planner
Jon began his financial industry career in 2012 with the goal of helping Canadians make informed financial decisions with a keen focus on helping people achieve financial security, growth and peace of mind.
Michael Barichello
CFP®, CLU®, FMA®, CHS®
Financial Planner
Michael is a financial services professional with over 20 years of experience as an advisor, manager and dedicated planner specializing with business owners.
Sample of our Retirement Plan & Deliverables
Our Retirement 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 a Retirement Guide, 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.
