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 advisers, we do not sell anything other than our time, so you know that we do not have any conflicts of interest.

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.

Most people need insurance as a risk management tool. Some people can use it as an investment strategy. Either way, we can help you understand if and how it fits into your financial plan and evaluate what type of coverage you might need in your personal situation. Because we don’t sell insurance, you can rest assured we have no conflict of interest and can give you the information you need to then secure appropriate insurance coverage for you and your family.

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.

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.

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.

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.

In the U.K and Australia, paraplanning is a popular service among financial advisers. Advisers 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.

What’s your hourly “rate”? Is your time best spent doing financial plans or paying someone else to do it so you can instead be in front of your clients?

You might have an assistant who is capable of preparing financial plans, but how comprehensive and valuable is the advice that is being generated by this work?

The landscape is becoming more and more competitive, with companies looking to provide comprehensive financial, tax and estate planning advice in-house to high net worth clients. It may be that your company does not provide these services or perhaps not all of your clients qualify.

Doing some comprehensive planning for a high value client could keep a client that would otherwise look elsewhere for these services. Keeping a client is a lot easier than getting a new one.

What about prospects? Partnering with a third-party comprehensive financial planner could be the difference that helps you win a new account from the competition.

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’re more than happy to work with you and your clients on whatever level you feel works best. Our fees are based solely on time and volume discounts apply.