We charge professional fees for unbiased advice. See what our plans cover, how the process works, and what it costs.
When planning gets complicated.
Building wealth on a standard salary is straightforward: you earn, you save, you invest the difference. But put a corporation, equity, or complex assets in the middle, and everything changes. Suddenly, it’s no longer just about how much you make. It’s about how you structure it, how you access it, and what the tax bill looks like in every scenario.
What fee-for-service means.
Our recommendations carry no commissions and no sales targets. Good planning doesn’t tell you what to buy. It helps you decide what to do.
Who this is for.
Our planning clients usually juggle multiple financial moving parts, including:
- Business owners with active corporate structures
- Professionals managing complex investment accounts or pensions
- Individuals preparing for or already in retirement
Our promise: If a free calculator can solve your problem, we’ll tell you upfront so you keep your fee.
The questions that matter.
A standard plan gives you a savings target. A real plan answers the questions with no easy answers:
- Can we afford this for the next thirty years?
- What is the exact tax hit when we start drawing income?
- What happens to the math if the market underperforms?
We answer them by reviewing your pensions, corporate income, and portfolios together, because that is how they operate in real life.
How the process works.
We start with the facts: what you spend today versus what you want to spend later. Then, we build the models. We test retirement timing, pension income, government benefits, and withdrawals against multiple assumptions. Throughout the entire process, we run a rigorous tax analysis, particularly for your corporate assets.
The result is a complete written plan. You get the documented assumptions, a side-by-side comparison of your options, and a prioritized action plan detailing what to do next.
And if you would rather hand off the running of that action plan, that is a separate engagement: ongoing advisory.
What it costs.
Most engagements run $4,000 to $10,000 depending on the work required, quoted in advance. The full breakdown is on the fees page.
The hardest part is starting.
Plenty of people put this off because they’re afraid of the answer. Let’s sit down and work out which questions are worth answering, and whether you even need a full plan at all.