True Full-Service Financial Planning

The Difference: Implementation, Not Just Advice

While other advisors create plans that sit on shelves, we take complete ownership of your financial life. Our full-service approach means you get the peace of mind that comes from knowing every detail is handled by professionals who have direct access to the systems and expertise you need. We have some of the most sophisticated financial planning tools in Canada to ensure you are getting optimal advice.

We don't just plan – we execute, monitor, and optimize every aspect of your finances.

How Our Full-Service Approach Works

Beyond Planning: We Handle the Heavy Lifting

  • CRA Represent a client access: We monitor your CRA my account, check tax slips income, contribution room for RRSPs and TFSAs, and track tax loss carry-forwards.

  • Optimal retirement savings strategies: We look at how you can get the most out of your savings today, including maximizing government benefits like the CCB, RRSP/TFSA accounts while also setting you up for an optimal withdrawal strategy in retirement.

  • Debt Management: We actively track and optimize your debt strategy, including your mortgage renewals

  • Seamless Coordination: We work directly with your accountant, lawyer, and other professionals to ensure you are getting co-ordinated advice.

  • Complete Implementation: From investment management, retirement savings tracking to insurance coordination to estate planning execution.

Real Client Stories: Retirement dilemma

We had a family reach out to us with an issue. They had a significant amount of unrealized capital gains and was overly concentrated in a couple positions. They had gotten no advice from their old advisor on tax planning despite paying thousands of dollars in fees. Their old advisor reached out to them about making trades that would cause them to pay over $50,000 in taxes.

Our Approach: We reviewed the client accounts and noticed they had a very concentrated portfolio. We spoke with the family and noted that they wanted to gift money to the younger generations. We realized the capital gains over multiple years savings thousands in taxes. We created a strategy to ensure a smooth estate transfer avoiding probate and facilitated a significant gift for their children and grandchildren. As part of the transition, we also created financial plans for all who received a gift to ensure they used the money effectively. We created different investment portfolios for each generation, growth for the younger generation, and a strategy for taking retirement income for the newly retired.

Result: The family avoided paying estate administration tax, they also were able to assist their adult children to retire earlier than expected and helped a grandchild purchase a home.

Real Client Success: Maximizing Retirement Wealth

A couple approached us who were concerned their employer pensions wouldn't provide the retirement lifestyle they wanted. They had savings but weren't sure how to optimize everything together. They were told by friends that they should avoid RRSPs. They owned stock options with the companies they worked for. The clients wanted to move out of their condo and purchase a larger home to start a family.

Our approach: Upon review we noted that the clients were in a high tax bracket and were not utilizing RRSP’s. We also noted that the employer pension was not being used to its full potential as the couple had not signed up for employer contributions leaving thousands of dollars on the table each year. We helped the client find a realtor and mortgage broker to facilitate the purchase of a new house. We created a strategy where the client uses bonus income to contribute to their RRSP and save their significant tax refund in the TFSA account until that room is maxed out.  This also allowed the couple to get additional Canada Childcare Benefits. We created a growth based investment portfolio for the clients.  

The result: We were able to increase the couple annuals savings by over $20,000 through tax savings and additional employer contributions. We also improved their cashflow by helping them get additional government benefits. They increased the value of their investment accounts from $80,000 to over $300,000 over 5 years.

Why Full-Service Changes Everything

You Get Your Life Back: No more tracking spreadsheets, missing deadlines, or wondering if you're making the right moves. We handle every detail.

Nothing Falls Through the Cracks: With direct system access and professional coordination, opportunities like tax loss harvesting and contribution room optimization happen do not get missed.

Integrated Strategy: Your investments, insurance, estate plan, and tax strategy work together seamlessly because one team manages everything.

Proactive Optimization: We don't wait for annual reviews. We continuously monitor and adjust your strategy as regulations change and opportunities arise.

The Full-Service Advantage: What's Included

✓ Investment Management: Complete portfolio oversight and optimization
✓ Tax Strategy: Real-time monitoring and loss harvesting using direct CRA access
✓ Estate Planning: Coordination and implementation with legal professionals
✓ Insurance Review: Coverage optimization and claim support
✓ Debt Management: Strategic paydown and refinancing coordination
✓ Professional Coordination: We work directly with your accountant, lawyer, and other advisors
✓ Ongoing Monitoring: Continuous oversight and proactive adjustments

Ready to Experience True Full-Service Financial Planning?

Stop managing your finances and start living your life. When you work with us, you get the confidence that comes from knowing professionals with specialized access and expertise are handling every detail of your financial future.

Schedule your complimentary consultation today and discover how our full-service approach can transform your financial life.