We use state of the art financial modeling software so you can see your financial future and understand the impact of your financial decisions before you retire.

Want to know what it would look like if you retired one year earlier than you're planning or how much additional income you could generate if you deferred retirement? No problem. How about what it would look like of you downsized and freed up some real estate equity? Easy. Want to know if you can just flick the switch and semi-retire next month? Let's find out.

With our insights and the latest technology, we can see the implications of pretty much anything you're thinking. On the spot.

As well, we have a team of tax and legal experts that can assist us in developing planning recommendations!

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Of course, some situations are more complex than others and require a bit more elbow grease, but with a bit of back and forth over email and a couple in-depth planning sessions, you should be well on your way to knowing the following:

• how much income you'll have in retirement through all phases of retirement

• when it's ideal for you to start your CPP and OAS benefits

• when and how much to withdraw from your different types of accounts

• how to keep your tax bite as painless as possible

• how much you'll be passing on to your loved ones

​As well, we will stress-test your plan and see how well it holds up against:

• higher inflation

• a market crash at the worst possible time (right after you retire)

• lower long-term investment returns than anticipated

• premature death (and/or living longer than expected)

​The above lists are not exhaustive. There are many things we can try. But the bottom line is this: we will map out your scenario, try a number of ideas and work out a game-plan for you that you can understand and implement. 

1. Once you purchase a plan you will be given online access to Conquest to begin entering your data and thinking through your goals and preferences. Feel free to have fun with this. You will also be given a secure link to upload your relevant documents.

2. The next step is for us to line up our first online planning session. In this session we will work through your data, make sure everything is tight, and then we'll start trying out strategies and stress-testing. This is usually a very enjoyable meeting because you'll be seeing your situation live and in color. 

3. After the first session, we'll take your game-plan and we'll think and work through it to try and bring in additional improvements and insights. We'll also see if you have any additional questions we should prep for. 

4. Once we're good to go, we'll line up our second and last official session so that we can finalize your game-plan, make sure you understand it and help you find your way around the detailed report. 

5. And then we're essentially done. However, all plans come with three months of post-delivery support so if any questions or concerns pop-up or if you need clarification on something, we're happy to help.

6. Lastly, if you ever feel the need to have your plan revisited and revised in the future, you can do so at 50% of whatever the regular price is at the time.

The cost for your customized plan is $2,500.

For those incorporated or with more financial complexity, costs range from $5,000 to $8,000.

Upon completion of the initial fee-based engagement, many clients decide to upgrade to our full concierge wealth planning service that includes both financial planning and portfolio management.

If you become a full-service client within six months of the initial fee-only engagement, you will receive a 50% rebate off your initial fee-based planning fee.

The account minimum for our concierge planning and investment management services is $300,000.