Pricing - Bracket Planning

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A complete financial plan, built once, priced flat.

Your plan is a year-by-year projection of your actual accounts, your actual tax, and your actual spending, carried out to age 95. Fees are based on the complexity of your situation, not the size of your portfolio, and every plan begins with a discovery call so you know the exact fee before anything is signed.

Foundation Plan

$4,500 one-time

For individuals and families whose finances are personal rather than corporate - registered and non-registered accounts, property, pensions and the decades of decisions ahead of you.

A net worth statement built account by account, showing what is yours, your spouse's and joint
A year-by-year retirement income projection to age 95 - how much you can spend, drawn from which account, in what order
Your marginal and effective tax rate projected for every year, for each of you, not a single averaged number
Return assumptions set per account rather than one blended rate, so the projection reflects what you actually hold
CPP and OAS timing modelled against your real entitlement, including what deferring to 70 is worth
OAS clawback tracked as its own line, every year, so you can see when it starts and what avoids it
Income splitting reviewed across pension income, RRIF withdrawals after 65 and CPP sharing
Your asset allocation reviewed against where you are in life - cash, fixed income and equity - with written commentary on what your current mix implies
The things you actually want funded, written into the plan: a child's down payment, a travel budget with an end date, renovations, private health care, giving, RESPs for grandchildren
Your estate projected before tax, after tax, and in today's dollars
A written plan document, a presentation meeting to walk through it, and a dated 12-month action list

Best for salaried professionals, residents and early-practice physicians, retirees with personal assets, and families getting organized before things get complicated.

Book a discovery call

Integrated Plan

$6,500 one-time

For business owners, incorporated professionals and households where the corporation, the holdco and the personal balance sheet all have to be planned as one thing.

Everything in the Foundation Plan, run across your personal and corporate balance sheets together
A cash flow projection for the corporation itself - corporate taxable income, corporate tax, and what it can sustainably pay out each year
Your salary and dividend mix modelled year by year against your own marginal rate, rather than set once and left alone
Active, passive and non-taxable corporate income separated out, because each is taxed differently
Holding companies, corporate investment accounts and corporately held real estate carried through the full projection
Corporate net worth projected alongside personal, so you can see which pool is meant to fund which decade
Existing life insurance modelled honestly - the premium as a real annual cost, the death benefit into the estate, and whether the policy still earns its place
Estate tax calculated at the second spouse's death across personal assets, corporate shares and insurance proceeds
Practice sale, business succession, retirement-date and liquidity-event modelling where relevant
Coordination with your accountant or lawyer where planning decisions overlap
A written plan document, a presentation meeting to walk through it, and a dated 12-month action list

Best for incorporated physicians and professionals, business owners with a holdco or corporate investments, and families approaching a sale, a transition or an estate decision.

Book a discovery call

Fees are quoted before any agreement is signed and do not include GST/HST. Engagements involving multiple corporations, trusts or an active business sale are quoted individually after the discovery call.

Professional athletes are not priced from these tiers. Athlete engagements are a separate all-inclusive Platinum engagement - see what it includes.

After the Plan

A plan is a snapshot. Your finances aren't.

Every projection in your plan rests on assumptions - returns, inflation, tax rules, what you spend. Those move. Ongoing planning re-runs the projection on your real numbers each year, so the withdrawal order, the salary and dividend mix and the CPP and OAS decisions stay right rather than staying written down. Billed monthly. No minimum term - stay because it's useful, not because you signed something.

Foundation Ongoing

$275 / month

Continues a Foundation Plan.

Two planning meetings a year, with the full projection re-run on your actual account balances and spending before each
Next year's withdrawal order revisited - which account to draw from, how much, and what it does to your marginal rate
CPP and OAS timing reviewed while the decision is still reversible, and OAS clawback checked against your projected income
Your asset allocation revisited as drawdown changes how much risk the plan can carry
Major decisions modelled between meetings before you commit - a property, a gift, a large purchase, a market drop
Return, inflation and tax assumptions updated so the projection stays honest rather than optimistic
Estate values and beneficiary designations updated as your family changes
Your questions answered year-round, with no clock running

Book a discovery call

Integrated Ongoing

$425 / month

Continues an Integrated Plan.

Everything in Foundation Ongoing, run across the corporation as well as the household
Your salary and dividend mix re-set each year against the corporation's actual position and your own marginal rate
Corporate cash, passive income and investment holdings reviewed before they change how the corporation is taxed
Holdco, corporate real estate and multi-entity decisions carried through the updated projection
Estate tax at the second death recalculated as corporate and personal values move
Existing insurance revisited against what the plan now says the estate actually needs
Sale, succession and retirement-date scenarios modelled as the timing firms up
Coordination with your accountant or lawyer through the year, not just at year end

Book a discovery call

Billed monthly with no minimum term - cancel any time with written notice before your next billing date. Fees do not include GST/HST.

Already a client? Add ongoing planning yourself from the Billing tab of your client portal.

The decisions that matter most are made every year.

How much should come from salary, dividends, RRSP/RRIF withdrawals, non-registered assets or corporate investments? When should you start CPP and OAS? Should you adjust after a strong - or weak - market? These aren't one-time answers. They change annually, and small adjustments compound into hundreds of thousands of dollars over a retirement.

An ongoing retainer keeps your plan living and breathing, so you're never left guessing between meetings.

Annual review and refresh of your full plan
Proactive salary, dividend, tax & withdrawal-sequencing adjustments
CPP, OAS and pension timing kept optimal
Guidance through life events - sale, inheritance, illness, market swings
Estate and beneficiary updates as your family changes
Your questions answered year-round - no clock running

The Case

Two years early, and more to spend.

The client thought he needed to work two more years before retiring - but with the financial plan, this couple now saw that they have more than enough money to fund their current lifestyle for the remainder of their lives. The client promptly provided his retirement notice to his boss and retired two months later - two years earlier than expected.

Lifetime tax reduced by $173,645.
Net lifetime financial benefit of $358,645 for this couple.
They wanted to take OAS at 65, but it would be clawed back immediately. By restructuring how they draw their RRSPs and starting OAS at 68, we deferred any OAS clawback until age 91 - and then only minimal clawback in the last few years.
By determining the best time to begin CPP & OAS, they will receive an additional $60,000 and $125,000 respectively by age 95.
By reallocating their retirement savings/income withdrawals, they can increase their spending in the first five years of retirement by an additional $60,000 per year for travel.

Pricing.

A complete financial plan, built once, priced flat.

A plan is a snapshot. Your finances aren't.

The decisions that matter most are made every year.

The best way to appreciate the value of a plan is to see one.

Two years early, and more to spend.

Curious what a plan could do for you?