How Does It Work?
Learn how we can help you take control of your finances and build lasting wealth.
Our Process
For First-Year
Our Wealth Management Services
Empowering Your Financial Future Through Expert Guidance.
Financial Organization & Planning
- Being financially organized
- Financial goal planning for you and your business
- Education planning
- Home purchase planning
- Mortgage options
Financial Freedom & Cash Flow Management
- Financial freedom planning and monitoring
- Behaviour-based cash flow and saving system with ongoing coaching
- Debt planning and monitoring
- Refinancing options
Investment Management
- Investment education and optimization
- Ongoing investment advice
- Evidence-based investing
Investment Management
- Emergency and risk planning for you and your business
- Life insurance
- Disability insurance
- Critical illness insurance
- Corporate insurances
Tax & Legacy Planning
- Tax planning for you and your business
- Tax planning for you and your business
- Corporate pension plan
- Corporate life insurance
- Health spending accounts
Pricing Model
We operate on a retainer model with an annual commitment. Pricing is based on the complexity of your situation and the value we provide.
• Retainer Fees •
- First Year: Starting at $350 per month
- Subsequent Years: Starting at $250 per month (about 70% of the first year)
Note: About 70% of the fees are tax-deductible for your business.
Investment Management
- We charge 1% on assets we manage, which reduces your monthly retainer. For example, if you invest $450,000 with us, your retainer will decrease by $300 per month (based on an annual reduction of 0.8% for every dollar invested).
- Our long-term goal is to move to a flat-fee retainer model, eliminating investment management fees altogether.
>> Client Servicing Options <<
Full-Service Option
- In this option, our goal is to provide comprehensive wealth management by offering both financial planning advice and product recommendations, along with their implementation. Our product recommendations cover investments, insurance, and mortgages. As brokers, we have access to a wide range of products to meet your specific needs. This is an excellent choice for anyone who values a seamless, all-in-one service, with every aspect of your finances expertly managed under one roof through a single point of contact
Advice-Only Option
- With this option, we focus solely on providing expert advice, without offering product support or implementation. This is an excellent choice for anyone who values separating financial advice from product recommendations.
Fiduciary Duty
As a Certified Financial Planner (CFP), we are held to a fiduciary duty, meaning we are required to act in your best interests. This includes the following responsibilities:
Duty of Loyalty
We must prioritize your interests over our own (e.g., we do not recommend products that are not in your best interest).
Duty of Care
We must provide financial advice with competence, diligence, and the appropriate expertise.
Duty of Full Disclosure
We must disclose any potential conflicts of interest and ensure transparency in all dealings with clients.
Our fiduciary commitment means we provide unbiased and objective advice, no matter which options you choose.
To learn more about FP Canada’s Standard of Professional Responsibility, visit: Standards of Professional Responsibility | FP Canada
