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SERVICES & FEES

I give people the tools and skills they need to manage their own money. Most financial planners and institutions charge an ongoing annual percentage of your portfolio and have a conflict of interest in selling their products to you. Over your lifetime, these annual fees can easily erode the growth of your portfolio by $100,000 to $1,000,000, or more.  Nobody cares about your future like you do, so I believe that money should stay where it belongs - with you.

 

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 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

  • A 30-45 minute meeting to give you all the information you need to decide if flat-fee financial planning is right for you.  This meeting is free with no strings attached.

Individual Plan

$2900

The Individual Plan is for singles and includes:

  • Two additional one-on-one meetings

  • 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

  • Estate planning

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

  • Financial Plan updates within two years for half price (one meeting)

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  • Are you a single resident or medical student? Scroll to the bottom of this section to read about the "Learner Plan"

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Household Plan

$3700

The Household Plan is for couples and families and includes:

  • Two additional one-on-one meetings

  • 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

  • Estate planning

  • 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 support for questions and clarifications after your plan is complete

  • Financial Plan updates within two years for half price (one meeting)

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Business Plan

$4700

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

  • Two additional one-on-one meetings

  • 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

  • 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

  • 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 or more than two income properties, contact us for a quote

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

  • Financial Plan updates within two years for half price (one meeting)

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Learner Plan

$1600

The Learner Plan is only for single residents and medical students and includes:

  • One additional one-on-one meeting (the Free Consult is not necessary, but is available upon request)

  • A debt repayment plan that makes sense for you

  • A system for organizing and understanding your finances

  • How best to use investment accounts

  • Guide to evidence-based DIY investing

  • Understand the potential benefits of incorporation and when it might be right for you

  • Real estate planning, including using a FHSA

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

  • Discounted rate for future financial plans (within two years)

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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 might surprise you.

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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