Pricing - Bracket Planning

Ways to Work Together

Choose the level of support your complexity requires.

Fees are based on planning complexity, not assets under management. Each engagement includes a comprehensive financial plan and ongoing access so your advice stays current as your career, business, family and retirement decisions evolve.

Foundation Planning

$2,100 / every 6 months

For people earlier in their career or business journey who want a clear plan before the moving parts become more complex.

Comprehensive financial plan built around income, spending, debt, savings and near-term goals
Guidance for residents, locums, early-practice physicians, new business owners or growing families
Two meetings per year
Ongoing advice and financial plan modeling between meetings for major financial decisions, investment questions, large purchases, tax planning concerns and life changes
Student debt, mortgage, emergency fund, insurance and family-protection review
RRSP, TFSA, FHSA, non-registered and workplace benefit coordination
Early incorporation, contract work or business-structure questions when relevant
Simple retirement, tax and estate planning foundations so you know what to do next

Plan-only option: $4,500 one-time.

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Integrated Wealth Planning

$2,700 / every 6 months

For mid-career professionals and business owners whose personal, corporate, investment, tax and family decisions now need to work together.

Comprehensive plan reflecting household goals, business or corporate assets, investments and family priorities
Two meetings per year
Ongoing advice and financial plan modeling between meetings for major financial decisions, investment questions, large purchases, tax planning concerns and life changes
Compensation planning across salary, dividends, draws, bonuses or retained business earnings
Corporate cash reserves, practice-model, business reinvestment and investment-account decisions
Education funding, mortgage strategy, charitable giving and major-purchase planning
Retirement-income projections across corporation, RRSP/RRIF, TFSA and non-registered assets
Beneficiary, insurance, estate liquidity and tax-efficiency review
Coordination with your accountant or lawyer when planning decisions overlap

Plan-only option: $5,700 one-time.

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Private Client Planning

$3,300 / every 6 months

For later-career professionals, families and business owners preparing for practice sale, business transition, retirement income or legacy decisions.

Comprehensive planning across personal, corporate, trust, real estate and family wealth decisions
Two meetings per year
Ongoing advice and financial plan modeling between meetings for major financial decisions, investment questions, large purchases, tax planning concerns and life changes
Practice sale, business succession, retirement-date and liquidity-event planning
Tax-efficient withdrawal sequencing across corporations, registered accounts, pensions and non-registered assets
CPP, OAS, pension, lifestyle spending and long-term care planning
Holding companies, trusts, estate freezes and multi-entity planning when applicable
Intergenerational wealth transfer, philanthropy and next-generation planning
Coordination with accountants, lawyers and other professional advisors

Plan-only option: $6,900 one-time.

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Payments are billed every 6 months. The first two payments are required, and you can cancel any time after the first year. All fees are disclosed and agreed up front, and do not include GST.

Ongoing Planning

A relationship, not a transaction.

A financial plan is a snapshot in time - life isn't. With an ongoing retainer, your plan stays current as markets, tax rules, corporate cash flow and family circumstances change.

The decisions that matter most are made every year.

How much should come from salary, dividends, RRSP/RRIF withdrawals, non-registered assets or corporate investments? When should you start CPP and OAS? Should you adjust after a strong - or weak - market? These aren't one-time answers. They change annually, and small adjustments compound into hundreds of thousands of dollars over a retirement.

An ongoing retainer keeps your plan living and breathing, so you're never left guessing between meetings.

Annual review and refresh of your full plan
Proactive salary, dividend, tax & withdrawal-sequencing adjustments
CPP, OAS and pension timing kept optimal
Guidance through life events - sale, inheritance, illness, market swings
Estate and beneficiary updates as your family changes
Your questions answered year-round - no clock running

The Case

Two years early, and more to spend.

The client thought he needed to work two more years before retiring - but with the financial plan, this couple now saw that they have more than enough money to fund their current lifestyle for the remainder of their lives. The client promptly provided his retirement notice to his boss and retired two months later - two years earlier than expected.

Lifetime tax reduced by $173,645.
Net lifetime financial benefit of $358,645 for this couple.
They wanted to take OAS at 65, but it would be clawed back immediately. By restructuring how they draw their RRSPs and starting OAS at 68, we deferred any OAS clawback until age 91 - and then only minimal clawback in the last few years.
By determining the best time to begin CPP & OAS, they will receive an additional $60,000 and $125,000 respectively by age 95.
By reallocating their retirement savings/income withdrawals, they can increase their spending in the first five years of retirement by an additional $60,000 per year for travel.

Pricing.

Choose the level of support your complexity requires.

A relationship, not a transaction.

The decisions that matter most are made every year.

The best way to appreciate the value of a plan is to see one.

Two years early, and more to spend.

Curious what a plan could do for you?