Our Services
COMPREHENSIVE FINANCIAL PLANNING
Live a Proactive Life, not a Reactive Life
A customized plan that evaluates your current financial situation, your financial goals and charts a course to achieving your goals. Regular reviews and modifications ensure that your plan and actions align with dynamic goals.
Business Owners
Financial Planning, Risk Management, Tax Planning, Ownership Structure Analysis, Executive Benefits & Compensation, Group Benefits Consulting, Corporate Investment, Shareholders Agreement, Buy-Sell Arrangements, Succession Planning, Business Sale Consulting, Retirement and Longevity Planning, Estate and Legacy Planning.
Investment Property Owners
Financial Planning, Ownership Structure Analysis, Tax Planning, Risk Management, Retirement and Longevity Planning, Estate and Legacy Planning
Professionals
Financial Planning, Benefits and Compensation Structure, Tax Planning, Income Protection, Cash-flow Management, Investment, Retirement and Longevity Planning, Estate and Legacy Planning.
Individuals
Financial Planning, Income Protection, Cash Flow Management, Insurance, Investment, Tax Planning, Education Planning, Retirement and Longevity Planning, Estate & Legacy
PROFESSIONAL COLLABORATION
We work with your trusted advisors (investment professional, accountant, lawyer, insurance professional) to implement your personalized strategy.
If necessary, in order to achieve your goals, we can work with our network of trusted professionals to get specialized input.
ESTATE PLANNING
Personal Estate Planning
Wealth Preservation, Will Planning, Incapacity Planning, Trust Planning, Creditor Protection, Charitable Giving, Probate Planning, Taxation, Wealth Transfer.
Family Estate Planning
Wealth Preservation, Will Planning, Incapacity Planning, Trust Planning, Creditor Protection, Charitable Giving, Probate Planning, Taxation, Wealth Transfer, Estate Equalization, Blended/non traditional Family Planning, Planning for Special needs/Disabled beneficiaries, Conflict minimization.
Business Owner Estate Planning
Owner-Manager Planning, Planning for Family Business Owners, Planning for Shareholders of Private Corporations, Asset Protection, Creditor Protection, Taxation, Incapacity Planning, Will Planning, Shareholder Agreements, Business Continuity, Succession Planning, Family/Shareholder Meeting Facilitation, Collaboration with existing Professionals.
Foreign components of Estate Planning
Non-resident Beneficiaries, Non-Resident Executors, Canadian Beneficiaries of foreign inheritance/gifts, Canadian with foreign property, U.S. Gift & Estate Tax for Canadians, U.S. Resident Aliens, Green Card Holders & Citizens living in Canada, Canadian Residents owning property or spending time in the U.S.
TARGETED PLANNING
Targeted Financial Planning
Focused Planning around significant life events – births, marriages, adoptions, deaths, separation or divorce, graduation, catastrophic illness, inheritance or financial windfall, pension and severance options and more.
Planning to achieve a specific goal -education planning, retirement planning, buying a home or vacation/investment property, starting a business, vacation, charitable giving and more.
LIVE A PROACTIVE LIFE
I will help you clearly understand your financial situation and have a solid plan for a well-lived life. This will give you a sense of empowerment and control and prepare you for any financial challenges or obstacles that may come your way.
I will guide you toward making sound financial decisions and help you through life’s many changes, such as retirement, leaving your job, starting a business, selling a business, divorce, widowhood, or receiving an inheritance. With this understanding, you will experience increased confidence and peace of mind and attain true financial independence.
As a fee-for-service financial planner, I will create a holistic plan tailored to your unique situation, needs, goals, and values. Your financial plan will cover your entire financial situation, not just investment management.
5 STEPS TO FINANCIAL CLARITY AND SUCCESS
The five-step process is standard for all clients, but the results and implementation are tailored to each unique client.
INITIAL MEETING We can meet in a comfortable setting, either in person or through online meeting tools. This will help you decide if we are a good fit to move forward together.
INFORMATION GATHERING Using my secure and confidential questionnaire, we’ll discuss your current situation, concerns, goals, and values.
COMPREHENSIVE PLANNING I will work with you to create a personalized, detailed, written action plan so you can achieve your goals.
IMPLEMENTATION I will help you implement the action steps of your plan.
CONTINUING REVIEW AND ADVICE At regular progress reviews, we’ll analyze findings and evaluate your progress. For as long as you wish, I will offer guidance to help you achieve your financial goals.
PRICING
I like ensuring clients are fully informed of all charges and fees. Here’s a breakdown of how our fees work:
For new clients, there is a planning fee for the 5-step process. I understand that each situation is unique, so the cost of a four-month engagement for the 5-step process will vary between $3,500 and $9,500. After the initial plan is completed, ongoing support and implementation services are available for a monthly fee ranging from $150 to $500.
I receive sales commissions determined by insurance companies when insurance products are sold. There is currently no fee-based option for insurance.
I offer a more affordable financial plan for clients with more straightforward situations. This plan provides an analysis of the client’s financial situation. You can click the Financial Snapshot link for access.
All fees will be disclosed and authorized by you before being charged. Additionally, other professionals, such as lawyers and accountants with whom we collaborate, will bill you directly for their services.