Financial Planning
For executives, entrepreneurs, and professionals with $500K+ in assets — comprehensive planning that coordinates your investments, tax strategy, retirement income, and estate objectives into a single, actionable framework.
Beyond Spreadsheets
If your financial situation were straightforward, you wouldn't need us. Our clients come to us with layered complexity: corporate holdcos alongside personal accounts, stock options vesting over multiple years, rental properties, pensions from previous employers, and a spouse with their own distinct financial picture.
We build plans that account for all of it. Not a generic retirement projection, but a comprehensive strategy that integrates every element of your financial life — and stress-tests it against real-world scenarios like market downturns, early retirement, health events, and changes in tax policy.
Your plan is a living document. We update it as your life evolves, and use it as the foundation for every investment decision we make on your behalf.
Your financial plan drives your investment strategy, not the other way around. Tax, estate, and portfolio decisions are coordinated.
We model multiple outcomes: early retirement, market crashes, unexpected windfalls, health events. You see the impact of each before making decisions.
Not a binder that sits on a shelf. Your plan evolves with every life change, tax law update, and portfolio adjustment.
Comprehensive financial planning is included in our 1–1.5% management fee. No separate planning charges.
Planning Areas
Each area of your plan is developed in coordination with the others. Tax decisions inform estate structures. Retirement income targets shape portfolio construction. Nothing exists in isolation.
Custom asset allocation aligned with your risk tolerance, income needs, and time horizon. Active management across equities, fixed income, alternatives, and private markets — with ongoing rebalancing and tax optimization.
Proactive strategies that go beyond year-end scrambling. Asset location across accounts, income splitting, capital gains timing, corporate tax optimization, and coordination with your accountant to minimize lifetime tax burden.
Sustainable withdrawal strategies, RRIF conversion timing, CPP/OAS optimization, pension commutation analysis, and income layering designed to maintain your lifestyle through a 30+ year retirement.
Trust structures, wealth transfer strategies, insurance integration, and charitable giving plans that minimize estate taxes and ensure your wealth reaches the people and causes you choose.
Insurance audit covering life, disability, critical illness, and long-term care. Identifying gaps in coverage, eliminating redundant policies, and ensuring your family is protected against catastrophic scenarios.
For business owners: holdco investment strategies, individual pension plans, corporate insurance, exit planning, and integration between your business balance sheet and personal financial goals.
Planning by Life Stage
The right financial strategy at 40 is not the right strategy at 55 or 70. We adapt your plan through every major transition.
Ages 40–54
Your highest earning years. Complexity is at its peak: stock options, multiple accounts, corporate structures, kids' education, and competing priorities.
Ages 55–65
The decade before retirement is when the most impactful planning decisions happen. Get these wrong and it costs six or seven figures over a lifetime.
Ages 65+
Now it's about sustainability, tax efficiency on withdrawals, and ensuring your estate plan keeps pace with changing tax law and family dynamics.
Your Complimentary Plan
Every new client relationship begins with a complimentary, high-level financial plan. Here's what that includes.
A 45-minute conversation and a complimentary, high-level financial plan. No sales pitch, no obligation — just a candid assessment of your current strategy and the areas where we see room to improve.
Start Your Complimentary PlanTypically completed within 2 weeks of our initial conversation.