Personalized Wealth Management Services For You

Our unbiased and independent planning process will help you make smart choices and get your financial house in order. At the end of this process you will know:

• The Sustainable level of income you can spend in early retirement and not run out later. (Spending strategy)
• A structure for your investment portfolio to create simple, dependable, consistent and guaranteed income sources throughout retirement to combat volatility. (Investment structure)
• Amount of savings you should have in reserves. (Cash-wedge strategy)
• How to draw income from your various sources in the most tax-efficient manner. (Tax-saving strategy)
• How to Coordinate your Stock options, RSUs, Retirement Allowances, Retained Earnings, and Corporate Dividends with all your other income sources like RRSPs, LIRAs, TFSAs, non-registered accts, CPP, OAS, etc. (Income strategy)
• The kinds of insurance you need like travel, personal health & dental coverage, life, home & auto, and final expenses. (Risk management strategy)
• How to set up your estate to smoothly transition your life's savings to your loved ones quickly and easily in order to maintain family harmony (Estate tax & Probate minimization strategies).

These are more than 20 strategies we use in the creation of your plan. ​There are many time-sensitive opportunities that the average retiree will miss, costing time and money, when not implemented at the right stage before and during retirement. You don't know what you don't know but that's ok, we do! The plan is to help you get your total financial house in order before you retire.

If this sounds like the kind of plan that you want, here's how to get started...

Meeting #1: At this meeting, we will start by laying out your financial roadmap. We'll discuss What's Important About Money...to YOU  - clarifying your values, prioritizing your goals, and creating a picture of your ideal retirement lifestyle. We will review your financial documents to benchmark your current financial reality and determine how having a retirement income plan will help you turn your retirement lifestyle dreams into reality. 

There is no cost for this first meeting and at the end of this meeting, we will determine the scope of your planning, how we can help, and what the cost of your plan will be. If you would like to hire us to create your plan we will all sign a Letter of Engagement. We do not provide any advice until after we have completed a thorough analysis of your situation via the process of your comprehensive retirement income plan. 

Our flat fee for your plan depends on its complexity and will be determined and told to you at the end of meeting #1. 

Depending on complexity, the fees range from $2000-$4000 for singles and $3000-$7000+ for couples. 

(Complexities include: multiple rental properties, a corporation or holding company, business activities, RSUs, PSUs, stock options, retirement compensation arrangements, DB pension analysis, multiple companies and investment holdings, limited partnerships, blended families, investments or citizenship in countries outside Canada, multiple scenario comparisons, and overall time needed to complete the plan process.)

> There is NO minimum net worth or portfolio size required to access this service.

> This planning process covers a 2-month time frame and 3 meetings. In some cases, it may be more.

> Meeting #1 is for you if you are sincerely interested in exploring what a retirement income plan can do for you.

Meeting #2: Approximately two weeks after your initial meeting will be the second meeting where we present the first draft of your retirement income plan with all of the detailed strategies and recommendations for getting your total financial house in order.

• All of your questions will be answered.
• You'll know what your sustainable income will be in retirement.
• When and how much income to take from your various sources.
• How much taxes you will pay, or not pay, due to the strategic planning outlined specifically in your plan.
• The required structure and asset allocation of your portfolio.
• The required rates of return to make your plan succeed. 
• Any possible need for insurance strategies.
• How much you can expect to leave to your heirs.
• And, all of the recommended and customized steps for implementing your plan are laid out in detail.
• You will have an action list of items to be completed and in what priority.

Meeting #3: is held 2-3 weeks after your plan presentation. This gives you time to review your plan and consider the scenarios that will work for you.  It also gives you time to write down any additional questions you didn't think of in Meeting #2. In Meeting #3, we may make adjustments to your plan, answer additional questions, look at alternative scenarios, provide a final draft of your plan, and ensure you have clarity on our recommendations for implementation.  We want to ensure you are equipped to take action because it is in taking action that you will get results that will lead you to your ideal lifestyle.

> Your comprehensive plan and related documents will be presented consisting of 5 sections covering income, investments, tax, insurance, and estate planning.

> There will be a detailed explanation for each key area and a checklist of action items and priorities about your scenario.

By the time we get to this point in the process, you will be educated and empowered to make informed decisions regarding every aspect of your retirement roadmap and income plan. At this juncture, many clients realize the value and importance of having regular access to the strategic and ongoing planning we provide to our "All-Inclusive" Clients.

If you have the required minimum of investible assets, you can delegate the responsibility of implementing your plan to us. You may continue a relationship with us for Full-Service Investment Management, Retirement Income and Tax Planning on an ongoing basis. Once your assets have been transferred in, you will receive a reimbursement of any transfer fees incurred.

Our full-service financial planning process is a comprehensive solution that integrates ongoing investment management , retirement income and tax planning into one seamless experience. 

This service is offered under a transparent, tiered pricing structure that covers everything from portfolio oversight to proactive tax planning.

This is for you if you prefer to delegate the implementation of your financial plan to a professional to:

• Simplify your finances and stay organized.
• Follow a properly laid out plan that is recalibrated annually and as life changes occur.
• Delegate the implementation of your retirement plan, investment management, and tax planning to a team of professionals for ongoing advice and plan execution.

This service is especially for you if: 

• you have a financial advisor who doesn't provide any retirement income planning or tax planning— yet you are paying for it. 
• You don't have an advisor and your investments are all over the place.
• You don't want to manage your investments by yourself during the decumulation phase because you want to ensure you have sustainable & tax-efficient income without the worry of running out.
• You're not an investment or tax expert and you know that you should delegate this to someone who is (your not a dentist and you don't fix your own teeth)
• You want one team that you can depend on who is consistently available to help when you call or email.
• You want your investments in less volatile assets than just stocks and bonds so that you can focus on enjoying life, not worrying about the markets or the economy.
• You value money, time and family. You've worked hard over your lifetime and now you want to make sure this enables you to have the best possible retirement focusing not on the dollars, but on what matters most in your life.
• Your portfolio is a minimum of $500,000. 

Our value promise is to ensure you get and keep your financial house in order forever so you can focus on living your ideal lifestyle with confidence and peace of mind, regardless of what is happening in the markets or the economy.

We enjoy working with people with shared values, so we created our exclusive, All-Inclusive Program. You value hard work, living life with purpose, being generous with your time and money, spending time with family, travelling, living a healthy lifestyle, and preserving generational wealth.

With aligned values, we continue to build a community of people with whom we have a mutually respectful and beneficial long-term relationship with.

Here's what we do for our clients:

• We get and keep your financial house in order.
• The first thing we do is build a comprehensive retirement income, investment, tax, insurance, and estate plan that will act as a roadmap for your retirement.
• This will include a sustainable income to take each year, where to draw the income from in the most tax-efficient manner, the proper asset allocation for investments, risk analysis and the right types of insurance you will need, and an estate plan to ensure a simple transfer of wealth at the end of your life with a minimal estate tax. 
• Your income, investment and tax planning must work together to create an investment structure that can provide the income you need in the most tax-efficient manner and ensure it is sustainable for your lifetime. This isn't something you can set up once and forget about, rather it needs to be updated regularly so that the appropriate actions can be made beforehand.
• We meet at least twice per year: either in person, by Zoom, or a phone call, to implement strategic income, investment, and in-depth tax planning, to ensure you are getting your maximum government/pension benefits, identify risks, review insurance, determine income needs for the next year and rebalance your investment portfolio.
• We are always just a phone call or an email away and respond quickly to all our client's inquiries. We all know this is nearly impossible to find at any financial institution anymore. You'll only have to deal with our team moving forward and you will not be ignored. 

If this is the type of life you would like to create for your future then book an appointment and we'll help you create your financial roadmap, gain clarity around your goals & values and get your financial house in order so you can move into your ideal lifestyle sooner.

As independent advisors, we have access to numerous investment options that will meet your income and growth needs. (This is a flat-fee-based service.) Book an introductory meeting with us, where we will review your situation, explain our All-inclusive Program, and determine the next steps moving forward.