Ways To Work Together
“Am I actually on track?”
That's the question almost everyone arrives with. Below are the ways I answer it — each a fixed fee, agreed before we begin, starting at $750.
That's the question almost everyone arrives with. Below are the ways I answer it — each a fixed fee, agreed before we begin, starting at $750.
Each service below is a fixed fee, based on its complexity and scope. I'm always upfront about the cost before any work begins — and I encourage you to ask questions.
One-time engagement
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.
One-time engagement
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
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
For $1,750, I'll deliver a complete written plan that addresses your projected income sources across retirement, your withdrawal strategy across account types, your CPP & OAS timing options, and your contingency planning for diverse market scenarios. Eight hours of work, including two hours of walkthrough sessions and one round of revisions. Four-week delivery. Most suitable for those people within ten years of retirement with at least $500,000 in investable assets.
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.
One-time engagement
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 attorney), 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.
One-time engagement
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.
Per return
Personal T1 returns for individuals, couples, and self-employed. T2 corporate returns, T3 trust returns, and other services also available. Complexity, investment income, foreign reporting, or multiple slips may increase final pricing.
All returns are quoted in advance after we review your documents.
Initial assessment
Are you a caregiver for someone restricted in mobility, afflicted with a disability, and/or other health conditions? We offer a Free initial review to assess eligibility. If you proceed with a claim, fees are based on the work involved and quoted before we begin.
Ongoing relationship
Annual reviews, plan updates, tax season coordination, investment monitoring, and ongoing advice as your life and goals change. Perfect for clients who want continued support and peace of mind.
Mutual funds and other investments (through Keybase Financial Group) are offered on a fee-only, non-commission basis, in accordance with the investment companies and regulatory restrictions. Insurance products (through Canadian Financial Strategies, Inc.) are subject to product-level fees and commissions paid by the product provider — these are 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.
The complimentary 20-minute call is to work out one thing: whether we are a good fit to work together, and in which of these areas.
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.
Book a free 20-minute exploratory call — no pressure, no jargon.