Comprehensive Financial Planning Without Ongoing Management

Who It's For: Those who want professional financial planning and expert guidance but prefer to implement and manage investments themselves, or don't yet have assets for ongoing management.

What's Included:

COMPREHENSIVE FINANCIAL PLAN Everything included in the Comprehensive service planning phase:

✓ Complete analysis of your financial situation
✓ Cash flow and budget optimization
✓ Debt management strategies
✓ Investment portfolio recommendations (specific asset allocation)
✓ Retirement income projections and CPP/OAS optimization
✓ Education savings strategies (RESP maximization)
✓ Tax optimization recommendations
✓ Insurance needs analysis and policy recommendations
✓ Estate planning guidance and referrals

DETAILED WRITTEN REPORT

✓ Current financial snapshot
✓ Strengths and areas for improvement
✓ Specific, actionable recommendations
✓ Implementation roadmap with prioritized action steps
✓ Projections and scenario analysis
✓ Asset allocation model and specific investment recommendations

PLAN PRESENTATION MEETING

✓ Walk through every recommendation in detail
✓ Explain the reasoning and research behind each strategy
✓ Answer all your questions
✓ Provide clear implementation guidance

IMPLEMENTATION GUIDANCE

✓ Step-by-step instructions for executing recommendations
✓ Account opening guidance (TFSA, RRSP, RESP, non-registered)
✓ Insurance application guidance
✓ Tax planning implementation steps

FOLLOW-UP SUPPORT

✓ One follow-up meeting (60-90 minutes) 3-6 months after plan delivery
✓ Review implementation progress
✓ Answer questions that arose during implementation
✓ Make adjustments if circumstances have changed
✓ Email support during the implementation period

What You Do:

  • Implement the recommendations yourself

  • Open and manage your own investment accounts

  • Execute trades and rebalancing according to the plan

  • Apply for insurance directly with providers

  • Make ongoing financial decisions based on the roadmap

What I Do:

  • Provide a comprehensive financial plan with detailed recommendations

  • Recommend specific investment strategies

  • Calculate insurance needs and recommend policy types

  • Explain everything clearly so you can implement confidently

  • Support you during initial implementation

  • Provide a follow-up check-in to ensure you're on track

Who This Is Perfect For:

Confident DIY Investors: You're comfortable managing investments but want professional validation that your strategy is optimized and evidence-based.

Early-Stage Wealth Builders: You don't yet have $100K in assets for ongoing management, but you want expert guidance to accelerate your wealth-building journey.

Second Opinion Seekers: You want an unbiased professional to review your financial plan, investment strategy, and insurance coverage—without obligation for ongoing service.

Cost-Conscious Planners: You value professional expertise but prefer to pay a one-time fee rather than ongoing management fees.

Life Transition Guidance: You're facing a major decision (job change, inheritance, home purchase, approaching retirement) and need expert guidance for this specific period.