Affiliations & Credentials
Accredited, regulated, and connected.
Backed by recognized professional designations, industry bodies and regulators.
We are an independent, fee-only, advice-only financial planning practice. From building wealth to planning your estate, we help professionals, business owners, and families approaching retirement make confident decisions about their money, and keep making them year after year.
Financial planning is not one-size-fits-all. Ongoing planning and retainer support deliver the most value to the people we serve most often.
Within a decade of retirement, or recently retired? The big decisions are annual: withdrawal sequencing, CPP & OAS timing, tax-bracket management and avoiding clawbacks.
Doctors, dentists, lawyers, entertainers and athletes: salary-versus-dividend mix, retained earnings, corporate investing and succession all need tuning year over year.
Estate equalization, trusts, gifting and intergenerational transfer evolve as your family grows and tax law changes. We help keep your plan aligned with both.
Property or income on both sides of the border adds persistent complexity, exactly the kind of situation that benefits from ongoing planning support.
Prefer to manage your own investments? We offer a trusted second set of eyes to validate, refine and strengthen your plan over time.
Succession, capital gains, family transition and land-related decisions unfold over years, not in a single meeting. Ongoing planning helps keep those moving parts aligned.
Great financial decisions aren’t made once. We begin with a comprehensive plan, help you put it in place, then stay alongside you as life, markets and tax rules change.
A comprehensive, holistic plan covering income, tax, investments, risk and estate — so every part of your situation works in sync.
We translate the plan into clear, prioritized actions, explained in plain language so you know exactly what to do and when.
Life changes, and so should your plan. We review annually, fine-tune your income and tax strategy, and answer your questions year after year.
Many advisors charge a percentage of your assets every single year. As a fee-only practice, we charge a flat fee instead. Over time, the gap can be enormous. Move the sliders to see your own numbers.
Assumes 5% average annual growth, a 1.5% assets-under-management fee versus a $4,200 flat annual fee. Illustrative only; not a projection of results.
Difference in ending portfolio value after fees and compounding
After comprehensive information-gathering, we build an in-depth roadmap for your future, explained in simple terms so you understand exactly what to do, and when.
Each client’s situation is different and results vary. Here is what one recent plan delivered for a couple, on a plan that cost $4,500.
Ken took our jumbled mess of investments that we had just tossed together over the years without any strategy, sorted it out, and came up with a few scenarios of how we are going to retire. I’m so thankful that not only did Ken tell us the truth, but the next few scenarios he laid out for us gave us massive amounts of hope. With Ken’s guidance, we now know where we are and how to make the slight changes we need to retire exactly how and when we want.
— Janelle & Rob PettiferBacked by recognized professional designations, industry bodies and regulators.
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