Fee-Only Planning

Fee-For-Service Retirement Planning

Clear advice. No product sales. No commissions.

This service is for people who want financial advice, a clear plan, and help making better decisions with their money.

I do not sell investments or insurance through this service. The focus is planning, education, and helping you understand your options in plain language.

You will receive a personalized plan based on your goals, your accounts, your retirement income, your taxes, and the decisions you need to make.

Option 1: Individual Retirement Plan

$3,000

For individuals who want a clear retirement and estate plan.

This plan includes:

A cash flow plan showing where your income may come from in retirement
Guidance on when to take CPP and OAS
RRSP, TFSA, RRIF, LIRA, and non-registered account planning
Tax planning before and during retirement
A plan for how to draw income in a tax-efficient way
Estate planning review and potential tax issues at death
Defined benefit pension review, including whether to keep or commute your pension
A spending plan built around the go-go, slow-go, and no-go stages of retirement
3 months of support after the plan is delivered
Discounted rates for future plan updates

Option 2: Household Retirement Plan

$3,500

For couples or households who want one clear retirement and estate plan. This plan includes everything in the Individual Retirement Plan, plus:

Everything in the Individual Retirement Plan, plus...

Spousal income splitting strategies
Coordinated withdrawals from both spouses’ accounts
CPP and OAS timing for both spouses
Household RRSP meltdown and retirement income strategies
Planning for what happens if one spouse passes away early
Tax planning to help balance income between spouses
A household retirement income plan that brings both people’s finances together

Option 3: Corporate Retirement Plan

$5,000

For Canadians who own a corporation or more complex assets.

This plan includes everything in the Household Retirement Plan, plus advanced planning for corporate situations:

Corporate tax and income planning
Dividend and salary planning
Retained earnings and investment planning inside the corporation
Capital Dividend Account planning
Planning for the sale of a business or major asset
Moving money from the corporation to personal accounts in a tax-efficient way

Option 4: Hourly Rate Retirement Planning

$300/hr

Not everyone needs a full financial plan. Sometimes you just need help with one specific decision, question, or project.

My hourly planning service is for people who want clear, practical advice without committing to a comprehensive planning process. We focus on the issue in front of you, review your options, and help you understand the pros and cons so you can make a more confident decision.

This can include things like:

Budget and cash flow planning
CPP and OAS timing decisions
RRSP, TFSA, or non-registered account questions
Retirement income withdrawal strategies
Pension decision support
Severance or layoff planning
Debt repayment planning
Second opinion on an investment or insurance recommendation
Preparing financially for a major life change
Helping organize scattered financial accounts

This service is best suited for people who want targeted advice on a specific topic rather than a full retirement or financial plan.

The goal is simple: to bring clarity to your situation, explain your options in plain language, and help you make informed financial decisions.

Financial Plan Updates

Option 1: Retirement Plan Refresh

Option 2: Comprehensive Plan Update

Cost: 25% of the price of a new plan

For clients who need a light update to their original retirement plan.

This is best suited when your situation is mostly the same, but your numbers have changed. We will update your plan using your current account balances, debts, expenses, tax changes, government benefits, and projected retirement income needs.

Once we receive all required information, your updated plan will be delivered within 6 weeks. You will receive the revised plan as a PDF.

Option 2: Comprehensive Plan Update

Calculator, pen, and financial graph on a desk.

Cost: 50% of the price of a new plan

For clients whose financial situation has changed in a more meaningful way.

This may apply if you have retired, changed jobs, received a severance package, sold a business or property, lost a spouse, received an inheritance, gone through a divorce, or had another major life change.

We will update your original plan using your current financial information and rebuild the parts of the plan that need to change. This may include retirement income, taxes, estate planning, CPP and OAS timing, pension decisions, account withdrawals, and future cash flow needs.

Once we receive all required information, your updated plan will be delivered within 6 weeks. You will receive the revised plan as a PDF.

Fee-Only Planning

Fee-For-Service Retirement Planning

Option 1: Individual Retirement Plan

$3,000

For individuals who want a clear retirement and estate plan.

This plan includes:

Option 2: Household Retirement Plan

$3,500

For couples or households who want one clear retirement and estate plan. This plan includes everything in the Individual Retirement Plan, plus:

Option 3: Corporate Retirement Plan

$5,000

For Canadians who own a corporation or more complex assets.

This plan includes everything in the Household Retirement Plan, plus advanced planning for corporate situations:

Option 4: Hourly Rate Retirement Planning

$300/hr

Not everyone needs a full financial plan. Sometimes you just need help with one specific decision, question, or project.

Financial Plan Updates

Option 1: Retirement Plan Refresh

Option 2: Comprehensive Plan Update

Option 2: Comprehensive Plan Update

Option 2: Comprehensive Plan Update

Option 2: Comprehensive Plan Update

Option 2: Comprehensive Plan Update

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