Frequently Asked Questions

Advice‑only planning means you receive professional financial guidance without any product sales or asset management requirements. You pay a transparent fee for objective advice — not commissions or percentages of your investments. This model ensures recommendations are based solely on your goals, tax situation, and financial priorities, not on selling products. 

It’s ideal for clients who want independent, objective advice — such as incorporated professionals, families managing their own portfolios, or those seeking a second opinion on existing strategies. Whether you are just starting out on your investment journey, your wealth is currently tied up in non-traditional assets, or if you just want comfort that comes from having a second set of eyes on your financial plan, an advice-only planner may be for you.

 Yes. We provide detailed action steps and support during implementation, but you remain in full control of your accounts and investment decisions. While we do not provide specific investment recommendations, we can help point you in the right directions as it relates to asset classes and product offerings.

While our office is located in Lindsay, we are happy to come to clients in the region to meet in person at a time and location that is convenient. We are also happy to serve clients across Ontario via online meetings where necessary.

Most clients pay a flat rate of $3,750 for a comprehensive financial plan, provided there are no additional complexities such as complex estate planning or corporate entities. Half of the payment is due at the engagement kickoff meeting, while the remainder is due at delivery of the financial plan.

Other engagements are quoted on a case by case scenario up-front, at a rate of $250 per hour. 

No. I am not a registered investment dealer which was a deliberate choice, as this removes any possible conflicts of interest between myself and my clients. Assistance and insight can be provided at a high-level for DIY investors, or clients may choose to continue working with another investment dealer of their choice for implementation.