Wealth Designed by You, For Your Situation!

Why is it important to plan?

When it comes to your personal or business finances, knowing your cash flow, if you are on track to your future lifestyle needs, what investment options you have, and if tragedy strikes will your family be ok, are what most clients are asking.

If you can relate to any of these items, you are not alone.

Personal Planning

Cash Flow Planning

Where is the money going and how come there isn’t anything left?  Besides, the high cost of gas, food, and taxes we discover, what it really costs to live. 

Man pulls out empty pockets

This is what you will get

  • Identifying your current cash flow situation.
  • Net worth statement
  • Cash flow statement
  • Income statement
  • Credit cards-managing your way out
  • Learn about your Credit score and what’s important.
  • How to get your bank fees paid for.

Investment planning

  • Why do investments never seem to gain?
  • Are you paying too much in fees?
  • There are more investment options than most people know about. (you don’t know what you don’t know)
Businessmen point to the top of the stock graph. The concept is business analytics and financial, Plans to increase business growth and indicators of positive growth in 2022

Here’s what you will learn.

  • What your options are.
  • How fees work.
  • Good bad and ugly of the investment world.
  • Understanding RRSP pros and cons
  • Understanding Why TFSA’s may not be the best for short term investing

Insurance Planning

  • What life insurance should I get?
  • How life insurance works?
  • Why life insurance is important.
  • Are there plans that give money back if you don’t use it?
Insurance Related Vector Concept and Infographic Design Elements in Linear Style
happy young family have fun on beach run and jump  at sunset

What you will learn

  • How much you will need and what kind is best for your situation.
  • Why Mortgage insurance may not be the best solution


  • Term Insurance
  • Whole Life insurance
  • Critical Illness insurance
  • Disability insurance.
  • How to use whole life as a personal banking tool.
  • How to save on home and auto premiums.

Retirement Planning

If we take a late retirement and an early death, I believe we can just squeak by!

Portrait of an elderly couple holding hands while walking in the shallows of a river.
Vietnam panorama

What to expect

  • Understanding your future income based on what you are doing today.
  • Tax implications
  • Claw-back analysis
  • CPP analysis
  • RSP analysis
  • Estate analysis
  • We can run several scenarios taking CPP earlier or later.

Education Planning

Why is education important? Well honey, we will have to delay, our retirement to pay for this.

Latin descent girl waits in line during college graduation ceremony.   She looks at camera with a big smile as she wears a black cap and gown.

What you will learn:

  • What are your options?
  • What you need to know about RESP’s
  • Alternative saving plans

Estate Planning

We better think about the kids before we forget their names.

Multi-generation family portrait on a bridge in a forest

What you will learn:

  • Understanding your estate wealth transfer options.
  • Dividing the estate
  • Tax Implications

Other Planning


Individual Comprehensive Package

Complete planning package. Covers all the above planning


Business Planning

Exit strategy, Financial structure and Buy-Sell funding agreements


Business Comprehensive Package

Complete planning package. Covers all the above individual and business planning

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