3 Easy Steps To Get Started
Step 1:
Complimentary
Intro Call
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A short, no-obligation call to understand your situation and what you want retirement to look like
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Clarity on whether Fee-for-Service Only Planning or Full-Service Wealth Planning is the right fit for you
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An overview of how our Retirement Readiness System will resolve your retirement anxieties
Step 2:
Retirement Gap, Opportunity, & Snapshot
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A review of your current retirement picture to identify key gaps, risks, and opportunities
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Ability to test drive how our modeling software will give you answers to core questions including: Do you have enough? What spending is sustainable? How to fund retirement income tax efficiently. What return is required - and what risk does that imply?
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A high-level retirement snapshot for clarity and direction - not a full retirement plan
Step 3:
Decision
Time
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Time to decide whether our Retirement Fee-For-Service Only Planning or Full-Service Wealth Planning is the right fit for your situation
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A clear understanding of what working together would involve
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Confidence that you've made the right decision
Fee-For-Service Only Retirement Planning
What the Retirement Readiness System Includes.
Price: $3,000 + GST / HST
Discovery & Foundation
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Review and integration of personal and registered financial information.
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Clear planning roadmap and assumptions review.
Cash Flow & Income Planning
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Customized cash-flow modelling, including a net-worth buffer analysis.
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Sustainable after-tax retirement income projections.
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Go-Go / Slow-Go / No-Go retirement phase planning.
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Survivor income and continuity planning (where applicable).
Scenario & Risk Analysis
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Multiple financial scenario iterations to test outcomes.
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Variable return and inflation stress-testing.
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Resilience testing using historical and alternative market assumptions.
Retirement Income & Government Benefits
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Optimized retirement income and withdrawal strategies across accounts.
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CPP, OAS, and government pension optimization.
Investment Strategy
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Investment recommendations, including asset mix, security mix, and Investment Policy Statement guidance.
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Time-horizon-based allocation for short-, medium-, and long-term investment needs.
Legacy & Estate Considerations
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High-level legacy and estate planning guidance.
Household Plan Includes:
Ongoing Full-Service
Wealth Management
Transparency. Precision. Partnership.
Before:
Fees aren't transparent
No structured retirement plan in place
Investments aren't connected to the retirement plan
After:
Clear, transparent fees with no suprises
Comprehensive and customized retirement planning
Your investment strategy aligned with your retirement plan
Key Points of Interest:
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Service Fees: 0.5-1% depending on complexity and assets under management​​
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Account Minimum: $500,000 CAD
Important Note: Our Fee-For-Service retirement planning is a low-commitment way to experience the value of our advice and see how our team works before moving any assets. If you choose to transition to full-service Wealth Management, we waive 50% of the Fee-For-Service Only planning fee.
Ongoing planning, guidance, and accountability.
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Goals Discussion and updates
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Maintain updated financial statements
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Ongoing Gap/Opportunity Analysis
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Strategy Development
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Implementation Assistance
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Encouragement & Accountability
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Regular Reviews and Progress Reports
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Plan Updates and Refinements
