A financial plan is a personalized roadmap that helps you align your money with your life goals. It covers all key areas of your financial life — like budgeting, insurance, investing, retirement, tax strategies, and estate planning — and shows how they all work together.
Whether you're a DIY investor, just starting out after post secondary or planning for retirement, a well-crafted financial plan brings clarity, direction, and peace of mind.
Fee-only, advice-only financial planning means you pay for objective advice, not products. Fees are based on time and complexity - not your income or assets - so everyone gets unbiased, professional guidance. It’s a transparent, accessible alternative to traditional commission-based advice. This is best for those who need clarity and direction on what to implement, with some support along the way. This will provide you with the appropriate steps and action items on what to take.
A written report that will address your personal goals, needs and priorities. It takes into account relevant financial planning areas and the interrelationships among them. Each section of the financial plan covers the individual’s current financial situation, the analysis performed to identify issues and opportunities, the evaluation of relevant financial strategies and recommendations to help meet the individual’s personal goals, needs and priorities. The areas covered are:
You will be given a "next steps and action" document to help guide you to implement any reccomendations. Referrals to other professionals can be provided if you wish. Each plan comes with a 1-hour check-in and review meeting to answer any questions and help where you may be stuck.
Additional review meetings can be purchased in either:
A great financial plan should leave you feeling confident, clear, and in control. You’ll walk away with a better understanding of where you are today, where you want to go, and how to get there. You can expect:
No more guesswork — just a thoughtful, personalized strategy that reflects your goals, your values, and your life. Most importantly, you’ll feel supported, knowing you have a trusted advisor by your side every step of the way.