What does a financial plan actually cover?
A financial plan brings your income, savings, debts, tax and goals into one written document. It gives you a clear order of operations instead of a pile of separate decisions.
Read about financial planningWhat we actually do
Seven areas of advice, one plan. Most clients start with the one that hurts most right now, and the rest follows.
What does each service do for you?
How do you keep more of what you earn?
We hunt down missed deductions, the wrong salary and dividend mix, and income sitting in the wrong accounts. Small changes, repeated every year, quietly add up to serious money.
Read about tax planningHow do my savings become an income?
We map your accounts, pensions and government benefits into a drawdown plan built to last. You will know what you can comfortably spend, and when.
Read about retirement planningWhat should my money be invested in?
We build a portfolio around your goals, your timeline and your stomach for swings. Then we keep it pointed in the right direction as life changes.
Read about investment planningWhat happens to everything when I am gone?
We make sure your will, beneficiaries and insurance work together so your estate goes where you intend. Good planning also keeps more of it away from tax and delay.
Read about estate planningHow do I run my company without hurting my own finances?
We connect your corporation's cash, your pay, your retirement and your protection in a single plan. This is where incorporated owners usually find their largest savings.
Read about corporate and business planningWhich insurance do I actually need?
We look at what your income, debts and family depend on, then cover the gaps that would hurt the most. You keep the cover that earns its place and drop what does not.
Read about insuranceHow does it all come together?
1
Meet and Greet
This meeting is complimentary, with no obligation. We learn what you are working with and what needs attention first.
2
Solutions Meeting
You get a written plan. We then put it in place with you and work alongside your accountant.
3
Wealth and Maintenance
We meet twice a year to review your plan and adjust it as your work, family and priorities change.
Which services matter at your stage?
A checkmark means that service is usually one of the first places we start for that group. A dash means it rarely needs to be the priority.
| Service | Getting Established | Career Professionals | Business Owners | Approaching Retirement |
|---|---|---|---|---|
| Financial Planning | ✓ | ✓ | ✓ | ✓ |
| Tax Planning | — | ✓ | ✓ | ✓ |
| Retirement Planning | — | — | ✓ | ✓ |
| Investment Planning | ✓ | ✓ | ✓ | ✓ |
| Estate Planning | — | ✓ | ✓ | ✓ |
| Corporate & Business Planning | — | — | ✓ | — |
| Insurance | ✓ | ✓ | ✓ | — |
Not sure which column you fall into? The Who We Help pages describe each stage in plain language.
Which service should you start with?
Bring your biggest question to a complimentary 20-minute assessment and we will point you to the right place.