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Wealth Building for Families

The Gap: You have goals. Maybe it's buying your first home. Retiring at 60. Passing wealth to your kids. Starting a business. Traveling Europe for a year.

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But goals without a plan are just wishes. And plans without execution are just expensive paperwork sitting in a drawer.

What You Get:

A comprehensive written financial plan that includes:

Current State Analysis​

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  • Where you are today financially (assets, debts, cash flow)

  • What you're doing right and where the gaps are

  • Your actual net worth and how it compares to your goals

Goal Setting & Prioritization​

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  • Specific, measurable targets with timelines

  • What matters most vs. what can wait

  • Trade-off analysis (if we do X, what does that mean for Y?)

Tax Optimization Strategy​

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  • How to minimize taxes on your income, investments, and estate

  • RRSP vs TFSA vs non-registered account strategies

  • Income splitting opportunities with your spouse

  • Tax-efficient withdrawal strategies in retirement

Retirement Planning​

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  • How much you need to retire comfortably

  • When you can actually afford to retire

  • CPP and OAS optimization strategies

  • Drawdown plan so your money lasts

Estate & Wealth Transfer Planning​

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  • How to pass wealth to the next generation tax-efficiently

  • Will and power of attorney considerations

  • Life insurance as an estate planning tool

  • Protecting your legacy from creditors and ex-spouses

Home Purchase Planning​

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  • How much house you can actually afford

  • Down payment strategies (First Home Savings Account options)

  • Mortgage vs. investment trade-offs

  • Long-term affordability analysis

Education Funding Strategy​

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  • How much you need to save for your kids' education

  • Maximizing RESP grants

  • What if they don't go to school?

Action Items & Timeline​

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  • Clear next steps broken down month by month

  • Who does what and by when

  • Accountability checkpoints

How it Works:

  1. Discovery Meeting - We dig deep into your finances, goals, and what keeps you up at night

  2. Planning Session - I build your custom financial plan with specific recommendations

  3. Presentation Meeting - We review the plan together, adjust as needed, and you walk away with a clear roadmap

  4. Execution - We implement the action items together (open accounts, purchase insurance, set up contributions)

  5. Ongoing Reviews - We meet regularly (quarterly or annually) to stay on track and adjust as life changes

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What Makes This Different: Most financial plans cost $2,000-5,000 and you never look at them again. Mine are built to be used. We don't just create the plan - we execute it together. I hold you accountable. I help you adjust when life throws curveballs. And most importantly, I make sure you're actually making progress toward your goals.

 

The Bottom Line: You don't need more information. You need clarity, a roadmap, and someone to keep you accountable. Let's turn your financial goals into your financial reality.

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