A Plan That Fits Your Life
Independent financial planning to bring clarity, structure, and peace of mind.
Financial planning isn’t about a thick binder of charts—it’s about confidence that you’re on the right path. We build practical, easy-to-follow plans that align your money with your goals, covering retirement, taxes, insurance, and estate considerations. Our role is to simplify the complex so you can move forward with clarity.
Retirement Roadmaps
We project your income and savings to show how—and when—you can retire comfortably. With clear “what if” scenarios, you’ll know where you stand and what adjustments to make.
Cash Flow & Budget Guidance
We review your inflows and outflows to help you balance living today with saving for tomorrow. The goal: more control, less guesswork.
Tax Planning Strategies
Taxes touch every decision. From RRSP/TFSA contributions to income-splitting and withdrawal timing, we design plans that help reduce tax today and in the future.
Insurance & Risk Management
We review life, health, and critical illness coverage to ensure protection without overpaying. Insurance is part of the plan—not the starting point.
Estate & Legacy Considerations
Your plan includes how wealth will be transferred, with strategies to reduce estate taxes and ease the process for your family. We also encourage family meetings when helpful.
Coordinating Benefits & Pensions
For many, pensions and government benefits are key pieces of the puzzle. We help you decide when to take CPP or OAS, evaluate pension options, and coordinate with personal savings.