What’s Included
Introduction
A financial plan is more than a snapshot of what you have today. It’s a clear, evidence-based picture of where you’re headed — and a roadmap for getting there on your terms. Most people navigate major financial decisions in isolation, without ever seeing how each choice affects the others. A proper plan connects the dots: your income, your savings, your taxes, your government benefits, and your goals — all modelled together so you can make decisions with confidence rather than guesswork.
Questions Your Plan Can Help Answer
Will my money last? | When should I take CPP? |
|---|---|
We model your income, expenses, and assets across your lifetime to show you whether your savings will carry you through retirement — and what adjustments can improve the outcome. | Taking CPP at 60 versus deferring to 70 can mean a difference of 42% in your monthly payment. We run the numbers for your specific situation to find the timing that maximizes your lifetime benefit. |
Which accounts should I draw from first? | When should I take OAS? |
The order you draw down your RRSP, TFSA, and non-registered accounts has a significant impact on your lifetime tax bill. We model the optimal redemption order for your situation. | OAS can be deferred up to age 70 for a higher payment, and is subject to a clawback above certain income thresholds. We help you time OAS to maximize what you keep. |
How much tax will I pay in retirement? | What will I leave behind? |
Income splitting, RRIF minimums, and the interaction between your investment income and government benefits all affect | We model your estate value over time, including the impact of different drawdown strategies, insurance, and the tax consequences of passing assets to your family or beneficiaries. |
Planning as an Ongoing Process
A financial plan isn’t a document you create once and file away. Life changes — and your plan should change with it. A new job, a business sale, a health event, a change in the markets, a shift in government benefit rules — any of these can affect your projections in meaningful ways. We treat financial planning as a living process: we revisit your plan regularly, update the assumptions, and make sure the strategy still reflects where you are and where you want to go.
For many clients, the plan also serves as the foundation for every other conversation we have — about investments, insurance, estate planning, or corporate structure. When all of those pieces are modelled together, you get a complete picture rather than a collection of unrelated decisions. That’s what good financial planning looks like, and it’s the standard we hold ourselves to for every client we work with.
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