If you're within 10 years of retirement, those are the two questions that matter most. Below are fixed-fee ways I answer them, starting at $750.
Each service below is a fixed fee, agreed before any work begins. Choose the one that answers your biggest worry — and ask me anything along the way.
One-time engagement
If you’re the one who handles the money, would your spouse know what to do if something happened to you tomorrow?
For $750, I'll sit down with you and your spouse and walk through your whole financial picture in plain language — what you own, where it is, and exactly what happens to each piece if one of you dies. Most couples have one person who handles the money; this makes sure the other one is never left guessing. You'll both receive a written summary of every asset and what becomes of it — including what passes straight to a spouse, what waits for probate, how your household income changes, and the tax owing at death.
Planning and education, not legal advice. This does not replace your will or your lawyer. Fees may be reversed or reduced for existing or ongoing financial planning or investment clients.
One-time engagement
Not ready for a full plan? Get a quick, clear answer to “do I have enough?”
For $750, I'll deliver an overview of your retirement projections across each of your account types — RRSP, TFSA, RRIF, LIRA and non-registered — so you can see what income each one produces, and when. A shorter, focused look at the ground the full Retirement Readiness Plan covers in depth.
Fees may be reversed or reduced for existing or ongoing financial planning or investment clients.
One-time engagement
Is your portfolio set up to pay you in retirement — or just to grow?
For $750, I'll review your existing RRSP, TFSA, and open holdings and deliver a written report covering your current allocation, the fees you're paying, how diversified your portfolio is, and changes you may want to consider. Delivered within two weeks of receiving your statements.
30-day guarantee. If you're not satisfied with the written report for any reason within 30 days, request a refund. Fees may be reversed or reduced for existing or ongoing financial planning or investment clients.
The complete, in-depth plan: will your savings carry you through retirement — and what should you change if they won’t?
For $1,750, I'll deliver a complete written plan showing where your retirement income will come from, how to draw it down across your accounts, when to take CPP & OAS, and how your plan holds up if markets don't cooperate. Eight hours of work, including two hours of walkthrough sessions and one round of revisions. Four-week delivery. Designed for people within ten years of retirement with at least $500,000 invested.
The deposit secures your place in my schedule and is applied to your fee. It is not refunded if you decide not to go ahead.
Fees may be reversed or reduced for existing or ongoing financial planning or investment clients. All plans are quoted in advance after an initial discussion.
Want more of what you’ve built to reach your family — and less of it to go to tax?
Starting at $2,400, I'll deliver a written strategy covering whether an estate freeze fits your situation, how it would be structured, the tax consequences to plan for, and how it sits alongside your will and your overall plan — coordinated with your accountant and your lawyer. Final fee depends on complexity.
The deposit secures your place in my schedule and is applied to your fee. It is not refunded if you decide not to go ahead.
Fees may be reversed or reduced for existing or ongoing financial planning or investment clients. All plans are quoted in advance after an initial discussion.
For most business owners, the business is the retirement plan. How you sell it decides whether your money lasts.
For $4,000, I'll deliver a complete written strategy for your business sale, including pre-sale tax-planning analysis (in coordination with your CPA), a post-sale investment policy statement, a wealth-transfer structure review (in coordination with your lawyer), and a lifestyle income projection model. Scoped to the issues we agree on at the outset. Additional work beyond that is billed in $500 allotments.
The deposit secures your place in my schedule and is applied to your fee. It is not refunded if you decide not to go ahead.
Fees may be reversed or reduced for existing or ongoing financial planning or investment clients. All plans are quoted in advance after an initial discussion.
Ongoing relationship
Retirement isn't a one-time decision. Each year we build and protect your wealth, check that your money is still on track to last, update your plan and your taxes, and make sure your family is still prepared as your life changes.
Mutual funds and other investments (through Keybase Financial Group) are offered on a fee-based, non-commission basis, in accordance with the investment companies and regulatory restrictions. Insurance products (through Canadian Financial Strategies, Inc.) pay a commission from the insurance provider, built into the product — it is not charged to you separately. Tax preparation, consulting, and financial planning services are provided on a fee-only basis. We disclose all compensation transparently.
Have questions about fees? We'd rather you ask than wonder. Book a Free Exploratory Call
No obligation, no cost — a conversation about whether we are right for each other.
In 20 minutes we work out whether I can help with your biggest questions, and which service fits.
If we are a fit, I will tell you what working together would look like and what it would cost, before you commit to anything. If we are not, I will tell you that too, and point you somewhere more useful.
Let’s make sure your money lasts, your family is protected, and your wealth keeps working for you. Book a free 20-minute call — no pressure, no jargon.