Fee-Only Personal Wealth Planning
We provide independent, holistic wealth planning tailored to your goals, values, and life stage. Whether you’re planning for retirement, growing your wealth, or navigating life transitions, we help you make confident financial decisions that support your long-term vision.
Why Choose Us?
We don’t just create financial plans. We help people understand them, integrate them, and follow through.
Most plans fail not because the strategy is wrong, but because human behaviour is ignored. By combining financial planning with education, coaching, and psychology-informed insight, we help clients make aligned decisions, stay accountable, and build a healthier relationship with money.
This approach takes more care — and produces more durable results.
What we offer
Individual Financial Planning
Are you an individual looking to identify and work towards financial goals while improving your relationship with money?
What's included?
- Saving strategies for retirement, education, and other financial goals
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Review of insurance for life, disability, and critical illness
- Optimizing taxes now and in the future
- Individual legacy planning
- Evaluation of up to one investment property and family cottage
Family Financial Planning
Are you a couple with or without children looking to identify and work towards financial goals while improving communication and your relationship with money?
What's included?
- Evaluation of Spousal RRSP accounts
- Examination of family income splitting opportunities
- Saving strategies for retirement, education, and other financial goals
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Review of insurance for life, disability, and critical illness
- Optimizing taxes now and in the future
- Family legacy planning
- Evaluation of up to one investment property and family cottage
Retirement & Estate Planning
Are you approaching retirement or just looking ahead to make sure your golden years are meaningful, fulfilling, and financially stress-free?
What's included?
- Cashflow planning for various stages of your retirement as needs change with age
- Integration of OAS & CPP, pension plans, personal savings, and other income streams
- Tax efficient withdrawal planning designed to optimize retirement income and final estate taxes
- Account-specific asset drawdown strategies
- Advice on down-sizing, long-term care, and other key decision-making
- Cash flow review and budget planning
- Investment or other financial product review and analysis
- Evaluation of asset allocations and appropriate risk tolerance
- Evaluation of up to one investment property and family cottage
How does it work?
Introductory Call
We walk you through how we work. No pressure, no pitch. You decide if it feels right.
Discovery Call
We go deep: your values, history with money, emotional context behind the numbers.
Financial Planning
Four focused sessions built around your priorities. We work together, and in between, you do meaningful work too.
Strategy Meeting
Before anything is finalized, we reflect before we commit. Does this still feel right? Have your priorities shifted?
Your Plan
A financial plan that reflects who you actually are. Implement it independently, or with our support.
Ongoing Relationship
Reviewed quarterly, an annual plan that adapts because life does, and is built to last.
How much does it cost?
Option A: Financial Planning Only
A one-time, comprehensive financial plan designed to provide clarity and direction.
Individual Wealth Planning
From $4,000
and up
Family Wealth Planning
From $4,750
and up
Retirement & Estate Planning
From $5,375
and up
Best suited for clients who want a standalone plan without ongoing implementation or coaching support.
Option B: Financial Planning + Integrated Wealth Management
Begins with a comprehensive financial plan (Option A), followed by a transition into our Fee-For-Service Integrated Wealth Management model for ongoing planning, coordination, and implementation through our independent portfolio management partners.
This option is typically appropriate for clients who:
- Require ongoing coordination between financial planning and investment management
- Value ongoing coaching and accountability to support confidence, decision-making, and long-term follow-through
- Have more complex investment, tax, estate, or retirement income needs
- Are retired or approaching retirement and need support managing income streams
- Are high-net-worth or accredited investors seeking long-term guidance and accountability
Most clients ultimately choose Option B as their financial lives become more complex and they value ongoing accountability, coordination, planning, and support through both the practical and human sides of money over time.
Option C: One-Year Financial Planning & Implementation Support
A 12-month engagement that includes the full financial planning process, followed by ongoing coaching, implementation support, and accountability for the remainder of the year.
Individual Wealth Planning
From $8,500
and up
Family Wealth Planning
From $10,000
and up
Retirement & Estate Planning
From $12,500
and up
This option is ideal for clients who:
- Want support exploring and adjusting long-standing money patterns and decision-making habits as they implement their plan
- Are in an asset accumulation phase, or
- Rely primarily on pensions or employer plans, or
- Are financially sophisticated and comfortable managing investments independently, but
- Want professional guidance and structured support to implement their plan over the course of a full year.
Frequently Asked Questions
Why does your process include so many meetings?
Because most financial plans fail at implementation, not design.
Spreading the planning process across multiple sessions allows space for learning, reflection, and adjustment. Clients are better able to understand their options, ask informed questions, and move forward with confidence rather than overwhelm.
Do I really need this many meetings?
Not everyone does — and that’s okay.
Our process is designed for people who want more than a quick plan or a checklist of recommendations. It’s for those who want clarity, integration, and lasting change, not just information.
Is this financial planning or coaching?
It’s financial planning, informed by behavioural finance and psychology.
All technical analysis, projections, and recommendations are included. The difference is that we take the time to ensure the plan fits who you are, not just the math.