One plan for retirement, tax, estate and cash flow
Comprehensive financial planning from a CERTIFIED FINANCIAL PLANNER™ professional. Your whole financial situation in one place, reviewed as your life changes.
The problem
When each decision is made on its own
Most people handle their finances one decision at a time. An RRSP contribution one year, a will drawn up a decade ago, a pension choice made in a hurry. Each decision made sense on the day, but nobody has checked whether they still work together.
What the plan covers
Five areas, looked at together
Retirement
When you can stop working, the income you will need, and where it will come from.
Tax
The order to draw from RRSPs, TFSAs and non-registered accounts, and the tax that comes with each choice.
Estate
How your assets pass on, and whether your will, beneficiaries and powers of attorney still match your wishes.
Cash flow
What comes in, what goes out, and how much you can set aside each year.
Risk management
What would happen to the plan if your income stopped, and where the gaps are.
How it works
How the plan comes together
Tim follows the same seven steps with every client, from agreeing what the plan will cover through to reviewing it as your life changes. You see the full plan, and the reasoning behind it, before anything is put in place.
See the seven-step processWho it is for
Families, professionals and business owners
People who want one plan that someone keeps current, rather than managing it piece by piece on their own.
We had accounts in three places and no idea how they fit together. Tim put it all into one plan and walked us through every piece of it.
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Questions
Common questions about financial planning
Is there a minimum amount I need to have invested?
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How is financial planning paid for?
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How long does it take to build a plan?
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What should I bring to the first meeting?
Recent statements for your investments and pensions, your last tax return, and a rough idea of your monthly spending. None of it needs to be organised first.
From Insights
Book an introductory meeting
What happens in the first meeting
An introductory meeting takes about 30 minutes. You leave with a clear view of your current position, what a plan would look like, and whether working together makes sense. There is no cost and no obligation either way.