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 and ETF selection)
✓ 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 (2 hours)
✓ 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 changed
✓ Email support during 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 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 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.
The Process:
Step 1: Discovery Consultation (30 min - FREE)
Discuss your situation and goals
Determine if advice-only planning is right for you
Answer questions about the process and what's included
Step 2: Engagement & Data Gathering (Week 1)
Sign engagement agreement
Complete comprehensive financial questionnaire
Gather documents (account statements, tax returns, insurance policies, benefits info)
Step 3: Analysis & Plan Development (Week 2-4)
Analyze your complete financial picture
Design investment portfolio recommendations
Calculate insurance needs
Model retirement scenarios
Develop tax strategies
Create comprehensive written plan
Step 4: Plan Presentation (Week 5 - 2 hours)
Present complete financial plan
Walk through all recommendations in detail
Explain the research and reasoning
Answer all your questions
Provide implementation roadmap
Step 5: Implementation (Week 6-16, You Execute)
You implement recommendations with my guidance
Email support for questions during implementation
Step-by-step instructions provided
Step 6: Follow-Up Meeting (3-6 months later - 60-90 min)
Review implementation progress
Address any challenges or questions that arose
Make adjustments if life circumstances changed
Celebrate progress toward goals
Optional Add-Ons:
Annual Plan Review: $250-500
Update your financial plan annually
Adjust for life changes, goal evolution, market performance
One meeting + updated written plan
Keep your plan current as life evolves
Hourly Consultation: $175/hour
As-needed advice after plan delivery
Specific questions or decisions
Portfolio review
2-hour minimum
Pricing:
Advice-Only Financial Planning: $1500 - $3000 (One-time fee based on complexity)
Typical Pricing Tiers:
Standard Plan: $1500 - $2500 (typical families, moderate complexity)
Complex Plan: $3,000 - $4500 (business owners, multiple income sources, complex tax situations, higher net worth)
What Determines Pricing:
Number of income sources
Investment account complexity
Business ownership
Real estate holdings
Number of financial goals
Tax situation complexity
We'll discuss exact pricing during the discovery consultation, you'll know the fee before any work begins.
Why Choose Advice-Only?
Advantages:
✓ One-time cost instead of ongoing fees
✓ Complete control over implementation
✓ Professional expertise at a predictable price
✓ Perfect for those who enjoy managing their own investments
✓ Comprehensive plan you can reference for years
Considerations:
✗ You're responsible for implementation
✗ No ongoing portfolio management or rebalancing
✗ No continuous monitoring and proactive adjustments
✗ No behavioral coaching during market volatility
✗ You must be comfortable making financial decisions independently