Feeling Uncertain About Your Finances?
Navigating the complexities of your family's finances can be overwhelming without a clear roadmap. We're here to help.
Limited Access To Quality Advice
Do financial advisors seem out of reach due to high fees or minimum account balances? We believe all Canadians deserve access to quality financial advice at fair prices.
Decisions, Decisions...
RRSP or TFSA? CPP early or late? When can I retire? We'll guide you to make the best decisions for reaching your financial goals.
Clarity and Confidence
Stress-test your plan or get a second opinion to give you the peace of mind from having a solid financial future.
Financial Planning Services
As fee-only advisors, we provide unbiased advice and guidance to match your best interests. Choose the service that fits where you are today.
Retirement Planning
Comprehensive plan to analyze decisions on withdrawal order, taxable income levels, goverment benefit timing and retirement risks.
- Tax-optimized decumulation, CPP & OAS timing strategies
- Stress-test those strategies against simulated rates of return and life expectancies
- Peace of mind from a sustainable income plan that meets your lifestyle goals
Hourly Rate Planning
Have specific questions, or not even sure what questions to ask? Pay only for the advice you need, when you need it.
- Focused planning sessions to address your questions and your goals
- Written meeting summary highlighting recommendations and next steps
- No commissions or product sales
Client Results
"Our biggest challenge was that we didn't understand all aspects of our finances. That made it hard to communicate with each other about what we wanted out of retirement and why. Anthony made us feel reassured that our plan was on track, and helped us focus on how to enjoy retirement together rather than arguing over how much to spend."
Jim & Linda H.
"I have been getting CPP survivor benefits since my husband passed away. In that time, I had to work with different bank advisors to settle my husband's accounts and plan my new future. None of them thought to explain to me how starting my own CPP benefits would take away some of my survivor benefits. Within a few minutes of our meeting, Anthony was giving me advice that I had never heard before and that probably saved me thousands."
Andrea C.
"For years I've been owing a couple thousand to CRA at tax time. I never realized it was because I get paid by two different employers working out of the same health clinic. The very first time Anthony did my taxes, he spent the extra time to explain payroll deductions and how I could avoid this lump sum owing. I was even able to help my coworkers in the clinic with the same problem."
Robin L.
Frequently Asked Questions
A financial planner provides advice and guidance on any financial decisions you have to make. A "fee-only" planner or advisor charges a fixed dollar amount for their services, just like businesses normally do.
Up until the mid 2010s or so, getting financial advice was tied to your investments. Canadians would pay their investment manager a percentage of their account balances as a fee, and they would just hope that the investment manager could advise on retirement, tax or estate matters as well (spoiler: they usually couldn't). This fee would be paid annually regardless of investment performance or how much work was put in.
Around this time, online brokerages, such as Questrade and Wealthsimple, started gaining traction in Canada. They allowed Canadians to do their own investing for a much lower cost than those investment managers. This had a side effect of de-coupling investments and financial advice.
This allows Canadians to pay only for the advice they need at the time when they need it. No ongoing annual fees, no conflicts of interest, just a financial plan to help reach your goals.
We aim to serve all Canadians, at all stages of their life. People typically come to us when something in their life triggers a need for financial advice. Some common topics we address are planning for retirement, starting a family, discussing your investment strategy and acting as executor for a loved one's estate.
Our flexible, pay-as-you-go hourly rate planning lets us answer your specific questions and concerns.
If you are new to all of this and aren't sure where to begin, book an hour planning session. We'll answer any immediate questions and lay out a clear roadmap for your financial future.
Working with a good financial planner can accelerate building your wealth and get you on track to acheive your long-term goals. Many clients also report having reduced stress due to having clarity and confidence in their financial plan.
Financial planners accomplish this by guiding and co-ordinating all the moving pieces of your finances. Our expertise spans across retirement, investments, tax, estate, family law and insurance.
We also consider how actions today may affect your life down the road; sometimes, recommendations that seem good for today may not put you in the best spot 20 or 30 years from now.
We ensure all aspects of your financial plan come together to meet your goals, now and in the future.
Our pricing is transparent, straight-forward and offers affordable planning options. Our advice meet your needs, whether it's a full retirement plan at a fixed price, or planning by the hour at a set hourly rate. This eliminates any conflict of interest and makes high-quality financial advice accessible to more Canadians.
We designed our fees this way to address the issues we see in the industry. When advisors are compensated based on how much you invest with them or by how much insurance or loans they sell, there is an inherit conflict of interest. It also incentivizes them to only work with households that high large sums available to invest.