A Planning-First Approach,Rooted in What Matters Most:You

Most financial advice starts with products. I start with you.

Before we talk about investments, we’ll explore your values, your relationship with money, and what you want life to look like now and in the future. From there, we build a plan designed to move you toward your goals with clarity and confidence.

My Financial Planning Process

This is the same proven process used with every client, tailored to your unique situation:

  1. Understand You
    We begin with a deep conversation about your financial and personal situation: your values, fears, habits, and goals. Together we define meaningful, realistic financial goals that align with your vision for the future.

  2. Analyze Your Current Path
    I assess your current income, expenses, debt, taxes, savings, and investments to understand what’s working and what’s not.

  3. Develop Your Personalized Plan
    I craft a holistic, goal-based plan that integrates cash flow, retirement, tax strategies, risk management, and estate planning. I walk you through the plan and strategies in an easy-to-understand manner. We adjust it together so you feel fully informed and in control.

  4. Implement the Plan
    Once you’re comfortable, I help you take action, whether consolidating accounts, opening the right investments, or changing insurance coverage.

  5. Monitor & Adjust
    Life changes, and so does your plan. We’ll check in at least once a year (or more, if needed) to review progress and update the plan.

What Makes My Process Different?

Unlike most banks, robo-advisors, and insurance salespeople, I’m not starting with products; I’m building a plan and a relationship.
Here’s what sets this approach apart:

  • Emotionally aware - We explore your mindset and emotions around money

  • Goal-based - All strategies tie back to what you want to achieve

  • Unbiased advice - I work in your best interest, not for a commission

  • Evidence-based investing - No guesswork or flashy trends

Transparent & Flexible Fees

  • Flat-Fee Planning: For clients who want a comprehensive plan without investment management

  • Investment Management: For clients who invest over $100,000 in investable assets, planning is included

  • Annual Reviews: At minimum, you'll receive one full comprehensive review per year to keep your plan relevant and on track

Retirement Planning

Your comprehensive, holistic retirement plan includes:

  • Discussing how purpose, health, and social affect retirement

  • Answer the question, do you have enough

  • Show you what your retirement paycheck will look like

  • Tax-saving strategies

  • Investment portfolio review and income withdrawal strategy

  • Detailed retirement projections

  • Estate planning

  • Insurance & risk management

$1800 - 1 year engagement

Financial Plan Individual or family

A plan to build confidence in your financial future and strategies to achieve your most important goals includes:

  • Accumulation and cash flow

  • Tax-saving strategies

  • Investment portfolio review

  • Detailed retirement projections

  • Insurance & risk management

$1500 - 1 year engagement

Money mindset or Financial Coaching

Hourly sessions offering personalized guidance on clear next steps for your financial situation and/or discuss strategies to overcome behaviours, biases, and emotional patterns that are holding them back.

$100 - 175 hourly