Our Investment Partners
Our Insurance Partners
The plan would cover six distinct financial planning areas, which are:
Financial Management (analysing income, expenses, assets, and debts)
Investment Planning (growing and managing savings)
Insurance and Risk Management (protecting against financial loss from life events such as accidents, illness, or death)
Retirement Planning (planning for after regular employment has stopped)
Tax Planning (assessing retirement and estate taxes)
Estate Planning (arranging how assets are structured and passed on and assessing legal protections such as a will, trust, power of attorney or equivalent)
| T3 / T4 / T5 Slips | T3 / T4 / T5 Slips + Rental Income | T3 / T4 / T5 Slips + Corporation | T3 / T4 / T5 Slips + Rental Income + Corporation | |
| Single | $2,500 | $4,500 | $6,000 | $9,000 |
| Couple | $3,000 | $5,000 | $7,000 | $10,000 |
- HST would be applicable to the fees above.
- 50% fees paid up front and 50% on delivery.
Discover how a Toronto couple, Jake and Donna retired at age 60 with $1.2M. Read our fee-only financial planner case study on early retirement, tax strategy, and estate protection.
Financial provided during the initial on-boarding process.
It would cover six distinct financial planning areas, which are:
Financial Management (analysing income, expenses, assets, and debts)
Investment Planning (growing and managing savings)
Insurance and Risk Management (protecting against financial loss from life events such as accidents, illness, or death)
Retirement Planning (planning for after regular employment has stopped)
Tax Planning (assessing retirement and estate taxes)
Estate Planning (arranging how assets are structured and passed on and assessing legal protections such as a will, trust, power of attorney or equivalent)
January - April
Tax Projections
Tax Returns Review
Investment Review
Coordinate withdrawals from different accounts
September - December
Financial Goals Reviewed
Investment Reallocation
Estate Plan Review
Insurance Review
| Silver | Gold | |
|---|---|---|
| Investable Assets ( includes RRSP, Lockedin RRSP, LIRA, TFSA, non-registered accounts) | $250,000 - $750,000 | $750,000+ |
| Comprehensive Financial Plan | Yes | Yes |
| Financial Plan Updated Annually (online access available 24x7) | Yes | Yes |
| Access to All Star Fund Managers | Yes | Yes |
| Review Personal Tax Returns Prior to Submission Annually | Yes | Yes |
| Filing Annual Personal Tax Returns | No | Yes* |
| Estate Planning ( Review of wills, setting up trusts guidance) | Yes | Yes |
*does not include trust , self-employed, corporate or rental income
HST would be applicable to the fees above.
For investments over $2M, fees is to be negotitated.
Discover how a Toronto couple, Jake and Donna retired at age 60 with $1.2M. Read our fee-only financial planner case study on early retirement, tax strategy, and estate protection.
Q: I already have an advisor. Do I need to switch my investments over?
A: Yes. We map out a tax-efficient withdrawal strategy and we implement those strategies for you. We know which account to withdraw for your retirement and how much you have to set aside for taxes, if any.
Q: Can you really save me money during my retirement?
A: Our average client saves $275,000 during their retirement, though results vary.
Q: How do I know these strategies are legitimate?
A: Every strategy we use is CRA-compliant and documented. We provide written explanations and can connect you with existing clients using similar approaches. We're also happy to review our recommendations with your accountant.
Q: What if my situation is too complex?
A: Complex situations are our specialty. The more moving pieces you have (multiple income sources, significant assets, estate concerns), the more opportunities we typically find.