Retire Confidently with Advice-Only Financial Planning.
No sales of financial products. Just sound advice and clear action steps in your best interest. Serving hard working Canadians virtually everywhere.
Save Time / Reduce Stress / Retirement Income Planning / Low Fee Investing Strategies / Tax Planning
Why work with an advice-only financial planner?
Life doesn't always follow a linear A-Z path. Stuff happens, money is complicated, and you'd like an independent professional to guide you through it. I help people avoid these costly mistakes:
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Eroding your wealth with high investment fees and limited planning services provided.
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Being over or under insured.
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Paying too much tax now and in the future.
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Not having a retirement income plan that includes pension decisions, CPP and OAS timing, and which accounts to draw down first.
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Trying to "beat the market" with stock picking and market timing.
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Not having a plan to deal with the day when you can’t make decisions (estate planning).
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There’s a lot of noise out there when it comes to financial advice. What really works? Reduce stress and save time by working with a real human fee-only Certified Financial Planner who places your needs first.
You don't have to figure all this out on your own.
Imagine how if would feel to have a clear path forward and know that you're making the right financial decisions for your unique situation and goals?
Grow your wealth (accumulation years)
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Efficient cash flow strategies to reduce money worries.
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Evidence-based, low fee investment recommendations.
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Automate your investments and savings.
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Tax planning now and in the future.
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Which registered accounts should you focus on?
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Education savings for children
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Risk management: protect your future earnings.
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Understand your employer's pension and group plans.
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Find the right balance between spending today and saving for tomorrow.
Retire comfortably (decumulation years)
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Make an informed decision on when you can retire.
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Guidance with pension decisions, CPP, and OAS timing.
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Tax efficient decumulation strategies. Optimal drawdown by account type specific to your situation.
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Stress test your plan under different market conditions.
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Model housing changes, increased travel early in retirement, gifts to relatives, etc.
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Stay on retainer to update your plan every year and stay on track. Make adjustments when needed.
Focus on what really matters
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Rest easy knowing that you found a balance between spending today while having enough for the future.
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Automate your plan so you can focus on family, friends, work you enjoy, hobbies, and passions.​
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Stay on retainer to have your own personal CFP to ask questions to or deal with life's changes. Update your plan yearly to stay on track.
I face similar pressures that you do. Reduce financial stress with a customized plan.
Kids, aging parents, a mortgage, career decisions, starting a business, pension choices, dealing with a disability, unexpected emergencies, and the hectic pace of modern life can quickly overwhelm us. I get it and face the same challenges. Money is a central part of our lives, however most of us didn’t learn practical financial skills at home, school, or work.
In my early working years, I was confused by the sales driven, high fee financial services industry in Canada. I started reading about evidence-based investing and the effect of fees on our portfolios over time. I learned about smart personal finance and behavioural strategies to simplify my money and focus on living a good life. I eventually decided to make it my next career and mission to help others reduce financial stress and provide independent advice to Canadians.
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I can teach you a system that I’ve coached dozens of people through that will help you implement an evidence-based, low-fee investment strategy, minimize taxes, and automate your finances so you can still spend money on things you love without feeling guilty. With this approach you’ll also consistently work towards your goals whether it be a secure retirement, annual vacation fund, or supporting a loved one.
I've helped clients save hundreds of thousands of dollars over their plans with low-fee investment strategies and smart tax planning.
Time saved and reduced stress with comprehensive advice-only financial planning = invaluable.
How it Works
Share Some Information About Yourself
Sign up for a free trial in powerful, collaborative, retirement planning software. Provide a few details about your goals and situation.
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Book a Complimentary Discovery Zoom Meeting
During this 30 minute meeting, share what's on your mind any financial planning priorities. Ask questions about my process and see if I'm a good fit for your needs. If I think I can help, I'll send you a quote after the meeting. No hidden fees!​
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Build your Customized Retirement Plan
Work together for 8 Weeks to build your first retirement plan. Get clear action steps and recommendations. Stay on retainer for plan updates and year round support.
I Work With:
DIY / Low Fee Investors
Tired of making every financial decision on your own or searching the internet for answers? Get a real human CFP professional on your side. Advice-only planning + low fee investing = reduced stress and better retirement plans!
RCMP and CAF members
As an ex-RCMP member, I understand the unique needs of our service members such as physical relocations, pension decisions, Veterans Affairs, and spouses with multiple employer plans (from moving).
Retirees
Those 5-10 years from retirement or currently retired. Help with all the major retirement decisions: when to stop working, CPP and OAS timing, decumulation plans, tax strategies, asset allocation, spending plans, and estate goals.
Government Workers
Territorial, provincial and federal employees. Help with pension decisions. Should you invest in a RRSP when you have a defined pension? What to do with your severance pay?
Canadians Living with Disabilities
Parents / Caregivers of a loved one with a disability. Disability Tax Credit, RDSP, Provincial Supports, & Henson Trust planning. Maximize grants and benefits. Build two retirement plans: one for your loved one with unique abilities and yours.
Nice people.
no further description needed :)