Most financial plans answer a single question: Will I be okay?
The answer is important. But for many clients, the solution is not just a point-in-time analysis. They are looking for ongoing and integrated support.
Our Objective Financial Counsel service is designed to help answer a more practical, practical question:
What should I actually do with my money – this year, next year, and as my life changes?
This is not a one‑time plan or a periodic check‑in. It is an ongoing relationship built around coordination and decision‑making across your entire financial life.
Clients do not just receive financial projections. They receive clear guidance on what to do as their financial lives evolve.
What We Mean by Counsel
As time goes on and things become more complex, good decisions depend less on static forecasts and more on proactive integration.
Income may flow through a corporation. Investments sit across multiple accounts. Spending decisions affect taxes. Tax impacts planning. Extraordinary situations arise.
Unlike traditional financial planning relationships that tend to be more transactional, this service is supported on an ongoing basis by in‑house bookkeeping, accounting, and tax services, combined with independent investment oversight and collaboration. This allows advice to be grounded in current, accurate information – not rough estimates from five years ago – and ensures decisions are made based on where you stand today.
What Clients Receive
Objective Financial Counsel includes a defined set of ongoing deliverables, built around real data and updated as your situation evolves.
A Clear, Integrated Financial Picture
We maintain a consolidated view of your personal, corporate, and registered assets so you always understand net worth, liquidity, and where your money is actually held.
Accounting That Informs Decisions
Bookkeeping and accounting records are reviewed and integrated into the planning process, ensuring spending patterns, balances, and cash flow reflects reality and supports better decisions.
Income and Cash Flow Direction
Ongoing guidance on how money should move between your accounts, including how much to withdraw, where income should come from, and how much flexibility you have to spend, gift, or donate.
Year Round Tax Planning and Filing
We provide ongoing personal and, if applicable, corporate tax projections, tax instalment planning, and estimates before year‑end so tax outcomes are planned in advance. Tax returns are prepared with the broader financial plan in mind, reducing surprises and improving coordination.
Investment Oversight and Collaboration
We do not manage investments or sell products, nor do we receive referral fees from anyone who does. Instead, we actively oversee investment portfolios, reviewing asset allocation, deposit and withdrawal strategy, and taxes, working with portfolio managers to ensure investments support your cash‑flow and tax planning.
Scenario Analysis for Meaningful Decisions
When larger decisions arise, like retirement timing, selling a business or property, major purchases, or financial support for children, we model scenarios using current numbers so trade‑offs are clear before decisions are made.
Together, these outputs provide a clear, repeatable way to make financial decisions as circumstances change.
Objective Financial Counsel is designed for people whose financial lives have outgrown simple advice.
While the service itself is the same, clients often come to us at different stages, with different concerns:
Business owners navigating corporate income, tax planning, and major financial decisions
Senior executives managing complex compensation and limited time
Retirees and families thinking about continuity, family support, and preparing the next generation for wealth transfer
Each situation is addressed through the same counsel framework, with guidance tailored to what matters most to you.
Learn More
To understand how this fits into our broader approach, explore our Objective Financial Counsel services and discover how we help clients align their goals, simplify decisions, and achieve long-term results.
Start with a short, no-obligation conversation to explore your options.
Why This Approach Is Different
Most financial planning is built around producing a plan and revisiting it occasionally. In many cases, banks use planning as a prospecting tool or as a strategy to sell you a life insurance policy.
Objective Financial Counsel is different. We remain involved year‑round, using live data, tax forecasts, and investment collaboration to support decisions as they arise. Rather than reacting after the fact, we help ensure choices are coordinated and intentional.
Who This Is Designed For
Objective Financial Counsel is designed for people whose financial lives have outgrown simple advice. While the service itself is the same, clients often come to us at different stages, with different concerns:
Each situation is addressed through the same counsel framework, with guidance tailored to what matters most to you.
Clients who only need help with a specific issue or from time to time may prefer our project‑based or hourly advice services.
Counsel vs. Project Based Advice
Objective Financial Counsel is designed for clients who want an advisor actively involved over time, year in and year out, helping coordinate decisions as circumstances change.
Our project‑based and hourly services are designed for specific questions or one‑time or sporadic planning needs. You can learn more about our retirement planning services here.
The difference is not how detailed the advice is. It is about how consistently we are involved.
How Fees Are Structured
Our fees are not based on the size of your investment portfolio. They reflect the complexity of your financial situation and the level of ongoing coordination involved.
Larger portfolios can sometimes add to that complexity – particularly when there are multiple accounts, corporate structures, or tax considerations – but fees are never calculated on an asset based or percentage of assets basis.
Typical annual fees are generally structured as follows:
Core counsel: Typically ranges from $4,000 to $6,000
Counsel for Incorporated Professionals: Typically ranges from $6,000 to $10,000
Comprehensive Counsel for Complex Situations: Typically starts at $10,000
Fees and scope are discussed in advance so that expectations are clear on both sides. The focus is not on billable tasks, but on the responsibility of staying involved, being available, knowing your situation intimately, and helping guide ongoing financial decisions over time.
Independent by Design
We provide advice, analysis, and coordination across financial planning, bookkeeping, accounting, tax, and investment oversight.
We do not manage investments, nor do we sell financial products. We are paid only by our clients, not by third parties that bias our advice to you. That independence allows us to focus entirely on helping clients make better financial decisions over time – without conflicts of interest.
Next Step
If this approach resonates, the next step is an initial planning conversation to determine whether Objective Financial Counsel is the right fit for you.
Start with a short, no-obligation conversation to explore your options.