You have the plan. This is the ongoing engagement where it gets done.
The plan is the easy part.
A finished financial plan is a list of good decisions that have not happened yet. An IPP to set up. A salary and dividend mix to change. A withdrawal order to follow. An estate plan to update.
Then the plan meets the calendar. The accountant needs instructions, the lawyer needs the accountant’s numbers, and the portfolio manager needs both. Most people end up as the project manager of their own financial plan. It is a job nobody applied for, and it is usually why good plans stall.
Why the order matters.
At a certain level of wealth, outcomes are rarely decided by any single choice. They are decided by the sequence.
Draw from the corporation before the RRSP, or after. Fund the pension this year, or next. Sell before the move, or after it. Each decision changes the tax math on the next one. Get the order wrong and you pay for it for years, without ever seeing a mistake on any single return.
What we take off your desk.
In this engagement, we run the execution of your plan.
You do not decide who to call next. You do not referee conflicting advice from professionals who never speak to each other. You do not chase your accountant, lawyer, actuary, and portfolio manager to make sure the work gets done. That responsibility sits with us.
What we watch all year.
Retirement transition and income strategy. Tax planning as legislation changes. Corporate cash, compensation, and surplus. Estate documents and beneficiary designations. The recommendations coming from every advisor on your file.
Not every area needs action every quarter, but every area gets reviewed against your goals.
Who this is not for.
If your plan is simple enough to run from a calendar reminder, you do not need this, and we will tell you so.
This engagement earns its fee when your financial life has enough moving pieces that coordination itself is the work: a corporation, a pension, a portfolio, an estate plan, and several professionals who each hold one piece.
The first 90 days.
The first month confirms priorities and flags the decisions that should not be made yet. The next two align your outside advisors around one strategy and sequence the two or three decisions that matter most.
By day 90 you have an execution roadmap and a clear go, slow, or stop call on each item.
What it costs.
Plan execution is a flat annual retainer, billed monthly and quoted in writing before we start. The retainer covers the advisory work itself: strategy, modelling, meeting preparation, coordination, and the questions that come up between meetings. There are no hourly charges for work inside that scope.
Large one-time projects, such as a business sale or a multi-entity restructuring, are scoped and priced separately before any work starts. Portfolio management is handled by independent managers we select and oversee, with fees fully disclosed. We sell no products and take no commissions.
How this fits with the rest.
Some clients come to us for a single planning engagement and handle the rest themselves. Others hand us the coordination once the plan exists.
If what you want is portfolio management rather than coordination across your whole file, that is a different service. See wealth management.
Bring us the plan.
If we built the plan, we already know where to start. If someone else built it, we will read it before we meet.