Advice-Only. No product sales.
Our mission is providing unbiased, objective advice from our team of Fee-Only Financial Planners, Tax Accountants, Divorce Financial Specialists, and Estate Advisors.
Financial Planning encompasses the following key areas: cash flow management, investment strategies, tax efficiency, insurance needs and estate planning. We provide all of these services but unlike most financial advisors, we do not sell anything other than our time, so you know that we do not have any conflicts of interest.
We can build a retirement plan that is relevant to you regardless of your age or stage. How much do you need to save each year? How much do you need to retire? How much can you afford to spend in retirement? What is the best way to draw down your assets? We can help answer these questions.
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.
Our job as your money coach and financial mentor is to help you build the competence and confidence to make empowered financial decisions. We will review your cash flow and help you to establish positive money habits and proactive strategies that will support your dreams, priorities, and transitions in life.
We don’t hold any investment licenses, so we’re not going to tell you which stocks to buy and sell. What we can do is help you with your asset allocation, tax efficiency and strategies, performance evaluation and investment fee assessment.
If you’re looking for a new investment advisor, we have third parties that are on our “short list” that we can introduce you to. We receive no kickback or referral fee from these third parties. They’re on our short list because we know them, we like them and we feel comfortable referring a client to them.
Tax planning is a very important piece of your overall financial picture and requires special consideration. Our tax services include tax planning and tax preparation.
Clients who work with us on an ongoing basis will have their wills, powers of attorney, insurance and beneficiary designations reviewed on a regular basis. Estate planning tends to be an interrelated part of an overall financial plan.
We provide financial planning for Canadian expatriates who have relocated to other parts of the world. We can advise on issues related to Canadian investments, real estate, income tax and retirement, with a particular focus on those expats who plan to retire back to Canada.
Divorce is not just a legal process. It is a financial crossroads. We can help. Our multi-disciplinary team of Chartered Financial Divorce Specialists (CFDSs), Chartered Professional Accountants (CPAs), and Certified Financial Planners (CFPs) can provide expertise and empathy to support you before, during, and after your divorce.
Many companies have started to add fee-only, advice-only financial planning as a perk for their senior executives. It helps keep top talent focused on corporate business because they know their personal business is well-organized by a professional who is on their side. Furthermore, the group benefits provider or pension administrator that works with the broader employee base may do an excellent job for most employees, but may not be well-equipped to counsel a company’s senior management.
Retirement planning provided by a advice-only financial planner is also one of the few employee benefits that is not taxable on an employee’s T4 here in Canada. As such, it can be a way to compensate an employee without having the employee taxed on that compensation.
In the U.K and Australia, paraplanning is a popular service among financial advisors. Advisors commonly outsource the preparation of financial plans and other services to paraplanners. In Canada, there are few firms providing paraplanning services. We are one of them.
We provide one-time and ongoing financial plans of various levels of complexity as well as personal and corporate tax and estate planning advice. We are more than happy to work with you and your clients on whatever level you feel works best.