Services & Pricing
Most financial advisors are paid to sell you something. We're not. We're paid by you , and only you, to give you advice that's actually in your interest.
How we work with clients:
Step 1: Your Financial Plan
We start every relationship with a plan. Depending on what you need, that's one of the following:
Focused Review: $1,600 Investment or pension review, one focused topic, written summary.
Comprehensive Plan: $3,000 individual / $4,000 couple Full financial plan: cash flow, investments, debt, retirement, tax, insurance overview, and estate. Delivered as a written report with prioritized action steps.
Complex Plan: from $4,500 Corporations, rental properties, blended families, pensions with defined benefit and defined contribution components, cross-provincial situations.
Step 2: Stay on Track (Optional Annual Retainer)
Life changes. Markets move. Your plan should too.
Annual retainer, billed as a monthly subscription of $100/monthly (individual) or $150/monthly (couple)
Annual plan review and update
Two 45-minute check-in calls
Email access for questions throughout the year
Priority scheduling
Retainer clients pay a reduced rate of $200/hr for any additional work beyond what's included.
One-Off Consultations
$295/hour Not ready for a full plan? We offer hourly consultations for specific questions, second opinions, or targeted advice.
Workshops & Group Education
Retirement readiness, financial fundamentals, and pension education for employers and workplace groups.
HST applies to all services. We are happy to discuss installment arrangements.