EFFECTIVE. RELIABLE. HONEST
PLANNING FOR THE WINDING ROAD
ACHIEVING GOALS
Effective Planning
Since 2009 we have provided detailed retirement, tax and estate planning to Canadian families. We primarily work with professionals, business owners and high net-worth families to reduce income tax, build wealth and ensure legacies are protected. We differentiate ourselves with our strong analytical skills and our commitment to listening to what is truly important to clients.
Reliable Service
Our mission is to see our clients achieve the financial success they dream of. We offer pro-active support through regularly scheduled follow ups and ongoing internal reviews focused on whether our clients are on track or not. We are committed to being responsive and providing high quality client service.
Transparency
As a flat fee-based financial planning practice, our fees are negotiated directly with our clients. We report all of these fees on every statement and support disclosure of the total cost of ownership of any investments in your portfolio. We are committed to complete honesty with our clients about their costs, their plans and their best interests. We do not sell investments or insurance, so we can provide objective analysis about the products you need.
How we Add Value
Tax Optimization
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Optimize tax-advantaged accounts
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Optimize tax-advantaged investments
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Implement complex tax strategies
Goal Setting and
Tracking
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Clear, achievable goals
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Regular benchmarks
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Ongoing performance tracking
Fiduciary Standard
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Advice with a fiduciary standard
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Modern business model
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Minimize conflicts of interest
Independence and
Expertise
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We do not sell financial products
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We have experience in that industry and now we partner with portfolio and insurance professionals to implement our plans, ensuring high quality for the price
Our Fees
Title | Fees |
|---|---|
$3M+ | 0.5% |
$2M to $3M | 0.6% |
$1.5M to $2M | 0.7% |
$1M to $1.5M | 0.8% |
$500,000 to $1M | 0.9% |
Under $500,000 | 1% |
ABOUT US
We are a fee-based financial planning practice based with clients across Canada. Our focus is on developing comprehensive, written financial plans for professionals, business owners and families who have concerns about retirement, estate or simply making the best decisions they can with the resources they have. What differentiates us from other advisory practices is our technical expertise, which allows us to do a high level of analysis of various and sometimes competing goals, and our explicit and transparent fee structure, which removes conflicts of interest inherent in most of the industry.
Our Principal, Kevin Girard, has degrees in Engineering and Mathematics and is a Certified Financial Planner. When he's not meeting clients or writing plans, Kevin prefers to spend his time with his wife and three daughters, Samantha, 10, Isabelle, 7 and Madeleine, 5. When they're busy you can find him at the gym, at the movies, or looking for new lunch spots to introduce friends to.
