Service Offerings
Comprehensive Financial Plans
This is the core planning engagement—an integrated, big-picture review of your financial life designed to bring clarity to where you are today, where you want to go, and the decisions that will help get you there. Your plan may include cash flow, retirement projections, investment structure, tax planning opportunities, insurance considerations, estate priorities, pension choices, and practical next steps.
Portfolio Review
A focused review of your current investments to assess asset mix, fees, risk level, account structure, tax efficiency, diversification, and alignment with your goals. You’ll receive plain-language observations and practical recommendations to help ensure your portfolio is working for you—not against you.
Pension Buy-Out Advice
If you’ve been offered a pension commuted value or buy-out option, this service helps you compare the guaranteed pension income against the flexibility and responsibility of managing the lump sum. We’ll review tax implications, investment assumptions, survivor benefits, longevity risk, and how the choice fits into your broader retirement plan.
Second-Opinion Consults
If you already work with another financial professional, I can provide an independent second opinion on the plan, recommendations, portfolio, fees, risk exposure, tax efficiency, and performance reporting. You’ll get a clear, objective review so you can ask better questions and make more informed decisions.
Major Purchase/Sell Decisions
Before making a major purchase—such as a home, cottage, vehicle, renovation, or investment property—we’ll review the numbers, trade-offs, financing options, tax considerations, and long-term impact on your financial plan so you can make the decision with confidence.
Retirement Income Strategy
Turn savings into a coordinated retirement paycheque. We’ll map out where income should come from, when to draw from registered and non-registered accounts, how to think about CPP and OAS timing, and how to manage taxes, cash flow, and portfolio risk throughout retirement.
Tax Planning Projects
Targeted planning for tax-sensitive decisions, including RRSP/RRIF withdrawals, TFSA strategy, capital gains, charitable giving, income splitting opportunities, business-owner planning, estate tax exposure, and timing decisions. The goal is to identify practical ways to keep more of your money working toward your priorities.