We believe that unbiased financial, tax, divorce, and estate advice should be accessible to everyone. Our fee-for-service consultations provide the opportunity to receive personalized input on a variety of topics, including retirement planning, investment strategies, tax planning, divorce, and estate settlement.

Each consultation lasts up to 45 minutes and includes a brief written memo with key action items. Sessions start at $400.

Our typical process involves an introductory meeting, a personalized proposal, a data collection period, and a delay before we can get to work. If you have a focused question or time-sensitive matter, or you are just looking for a simpler, lower-cost engagement, this may be an easier starting point.

We offer financial planning consultations starting at $1,500, as well as hourly options when appropriate. Examples of potential consultations may include:

• Basic investment plan (ie. portfolio second opinion): risk tolerance assessment, review existing investment strategy and fees, discuss alternative investment options available in the Canadian market including our vetted network of firms, consider a DIY investment strategy
• Reviewing retirement planning calculations by the client or another advisor
• CPP/OAS planning
• RRSP conversion or withdrawals
• Basic retirement planning without the need for a retirement plan
• Pension options
• Moving to/from Canada (high-level considerations of investment accounts, for example, for a simple situation, not necessarily determination of residency or tax/estate planning which could be more complex)
• Insurance needs/policy review
• Basic incorporation planning
• Rental property planning

This consultation may not be appropriate to answer all of your questions if more detailed analysis is necessary, but we will help explain your options, any limitations, and provide a fee quote following an initial phone or Zoom meeting.

We offer detailed retirement planning consultations starting at $2,500.

We gather and review information about your assets, liabilities, income, and expenses, as well as soft facts about your financial goals during an introductory meeting and a subsequent data confirmation meeting.

We build a personalized and detailed retirement projection that models the rest of your financial life, including a comprehensive year-by-year forecast of income, tax payable, basic expenses, extraordinary expenses, investment growth, pensions, debt repayment, children’s education costs, inheritances, home purchase, home downsize, etc.

We identify the savings required to become or remain financially independent and determine how best to optimize your future saving and decumulation.

We provide financial planning recommendations to be delivered during a 1-2 hour meeting. A final version of the plan is provided for your records along with options for ongoing support.

In addition to the detailed retirement plan service outlined above, we review some or all of these additional areas: investment strategy, tax reduction, insurance needs, and estate planning, all based on your retirement plan, and deliver our recommendations during an additional meeting.

Comprehensive financial plans start at $4,000.

Our tax team can provide personal, corporate, and trust tax return preparation services and bookkeeping for clients, including:

• T1 personal tax returns
• T2 corporate tax returns
  • Compilation engagements including financial statements
  • T4/T5 slips
  • GST/HST returns
• T3 trust and estate tax returns
• Section 216 returns for non-residents
  • NR4 slips
  • NR6 slips
• Full-cycle bookkeeping for sole proprietors and incorporated business owners
• Payroll services
• Tax planning
• Integration with your financial plan

Personal tax returns start at $535. Corporate tax returns start at $1,750. Trust tax returns start at $1,500.

Estate administration involves several financial, tax, legal, and government requirements.

We can assist by acting as an agent for the executor to provide a full spectrum of duties related to the estate settlement process, or by simply guiding the executor as needed on a limited scope retainer or hourly as-needed basis.

Essentially, we can assist an executor with some or all their duties.

Probate only with a valid will starts at $2,000. Basic estate settlement with a valid will starts at $4,000. Post-probate support, complex estates, and additional services may be subject to custom pricing or hourly rates.

We offer specialized support for separation and divorce in Ontario, drawing on our multi-disciplinary team of Chartered Financial Divorce Specialists (CFDSs), Chartered Professional Accountants (CPAs), and Certified Financial Planners (CFPs).

Whether you are beginning the process or finalizing your settlement, we help you clarify the financial picture, model settlement and support scenarios, prepare accurate financial disclosures, and plan for your financial future. Services can be quoted on a flat project basis or hourly, depending on your needs.

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