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SERVICES & FEES

I offer Flat-Fee Financial Planning, which means the only thing I sell is advice - advice that is tailored to you and your needs. You retain control over all of your financial decisions with the benefit of professional guidance.  My goal is to give you the insights and tools you need to be your own financial expert.

How much does flat-fee planning cost?

I serve clients across Canada.  All meetings are done over Zoom.

First Consultation

FREE

  • After completing the Initial Client Questionnaire, I will be happy to provide all the information you need to decide if flat-fee financial planning is right for you.  

Individual Plan

$3400

The Individual Plan is for singles and includes:

  • A spending plan that maximizes cashflow

  • A saving plan that ensures a secure future

  • Tax strategies to minimize your total taxes

  • A system for organizing your finances

  • Debt repayment strategies

  • Real estate planning

  • How best to use retirement accounts

  • Guide to evidence-based DIY investing

  • Pension planning

  • CPP and OAS planning

  • Retirement planning, including decumulation strategies

  • Basic estate planning

  • Access to members-only videos and planning tools

  • Two months of email support for questions and clarifications after your plan is complete

  • Financial Plan updates within 18 months at a reduced rate​​

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Household Plan

$4200

The Household Plan is for couples and families and includes:

  • A spending plan that maximizes cashflow

  • A saving plan that ensures a secure future

  • Tax strategies to minimize your total taxes

  • A system for organizing your finances

  • Debt repayment strategies

  • Real estate planning

  • How best to use retirement accounts

  • Guide to evidence-based DIY investing

  • Pension planning

  • CPP and OAS planning

  • Retirement planning, including decumulation strategies

  • Basic estate planning

  • Access to members-only videos and planning tools

  • Plus:

    • Optimization of spousal income-splitting opportunities

    • RESP strategies for post-secondary education

    • Spousal RRSP strategies

    • RRSP/RRIF decumulation strategies for couples

    • Levelling of tax rates between spouses to ensure tax efficiency

    • Stress-testing to ensure financial security if one spouse passes away

  • Two months of email support for questions and clarifications after your plan is complete

  • Financial Plan updates within 18 months at a reduced rate

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Business Plan

$5200 - $6900

The Business Plan is for those with a Corporation and/or Rental Property and includes:

  • A spending plan that maximizes cashflow

  • A saving plan that ensures a secure future

  • Tax strategies to minimize your total taxes

  • A system for organizing your finances

  • Debt repayment strategies

  • Real estate planning

  • How best to use retirement accounts

  • Guide to evidence-based DIY investing

  • Pension planning

  • CPP and OAS planning

  • Retirement planning, including decumulation strategies

  • Basic estate planning

  • Optimization of spousal income-splitting opportunities

  • RESP strategies for post-secondary education

  • Spousal RRSP strategies 

  • RRSP/RRIF decumulation strategies for couples

  • Levelling of tax rates between spouses to ensure tax efficiency

  • Stress-testing to ensure financial security if one spouse passes away (upon request)

  • Access to members-only videos and planning tools

  • Plus:

    • Corporate tax planning

    • Corporate compensation planning (salary vs. dividend)

    • Capital Dividend Account planning and utilization

    • Corporate decumulation strategies

    • Calculations for up to two income properties

    • *If you have more than one corporation + hold co or more than two income properties, contact me

  • Two months of email support for questions and clarifications after your plan is complete

  • Financial Plan updates within 18 months at a reduced rate

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All prices subject to applicable provincial taxes.

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Flat-fee Planning = More Value

The true cost of annual fees over 20 years (in orange)

Actual cost of annual fees.png

  • Assuming a 6% annual rate of return for 20 years

  • "Total" is the total wealth lost due to fees.  Why so big?  The effect of annual fees compounds over time because you lose both the fee AND the investment returns those fees would have earned.

  • Already managing your own investments?  If your portfolio is disorganized or tax-inefficient, those costs add up just like fees do.

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