Create an Online Plan

Create an Online Plan

You know you should have a plan but you don’t feel the need for a full service advisor at this time. You want financial planning advice but do not require investment advice. We are pleased to be able to provide you with the personal planning assistance you need on an online fee for service basis.

We offer custom made financial planning services for each of the following analysis. The cost per analysis ranges from $100 to $250 or more based on complexity. A firm estimate will be confirmed prior to commencing work on your analysis. This service is free to our investment clients and refunded to you should you decide to become an investment client within 60 days.

Please make your selection, pay using PayPal or a credit card and we will contact you the next business day to confirm what we need from you to get started on your analysis. You are welcome to contact us should you have any questions at 604.878.0702.

Please Choose Your Online Plan 

 

 

Retirement Planning: fee $250
  • Find out how much you need to save to reach your retirement goal and if your current savings, investments and pensions will be sufficient to provide the income you need.
  • Determine the retirement income needed  to keep the lifestyle you currently have or alternatively, for the lifestyle you want.
  • Establish the retirement saving fund needed to supplement any pensions you will have.
  • Look at various scenarios depending on inflation, taxation and rate of return according  to your investment asset mix.

For this module we will need from both you and your spouse if applicable, the following documents and information:

  • Latest Canada Revenue Notice of Assessment and tax returns (T1 General pages)
  • Pension Plan statement if any
  • Group Retirement Savings plan statement if any
  • Home Mortgage statement if any
  • Rental Property Mortgage statement, rental income and expenses statement from your latest tax return
  • Statement of Debts if any
  • Statement of all investments
  • Latest CPP  projected retirement benefit statement if you ever received  one
  • The year you became a Canadian resident
  • Date of birth
  • Male or female
  • Children’s ages
  • List of your retirement goals and questions
Tax Planning analysis: fee starting at $250
  • Find out if you are missing out on any tax deductions or credits
  • Determine how to structure your affairs, investments, pensions or business income if any, to minimize your taxes
  • Effectively plan to save taxes today and in future tax years as well as during retirement
  • Ensure that you do not lose government benefits such as OAS – Old Age Security
  • Learn how to minimize taxes on investment income
  • And other tax planning strategies

For this analysis, we will need from both you and your spouse if applicable, the following documents and information:

  • Latest Canada Revenue Notice of Assessment and tax returns (T1 General pages)
  • Statement of all investments
  • Latest CPP  projected retirement benefit statement if you  have  ever received one
  • List of your questions
Investment review and asset allocation analysis:  fee starting at $250
  • Determine the most appropriate asset allocation for your objectives
  • Learn how to structure your RRSP, TFSA and non-registered investments effectively
  • Reduce taxes on your investment income
  • Learn about our take on the appropriate geographical and sector allocation for the current economic landscape
  • Explore your options for guaranteed investments

For this analysis, we will need from both you and your spouse if applicable, the following documents and information:

  • Latest Canada Revenue Notice of Assessment and tax returns (T1 General pages)
  • Statement of all investments and net worth statement
  • A copy of your financial plan if you have one or a list of financial goals
  • And a list of your questions
Budget Planning analysis: fee starting at $100
  • Learn to balance the books, spend less than what you earn and have money left to save and invest
  • Effectively plan your cash flow for your financial goals and learn how to make it happen
  • Plan for changes to your income such as maternity leave, sabbatical or retirement

For this analysis, we will need:

  • A  completed family budget sheet indicating where your money went in the past 12 months
  • A list of your NET income from employment, investments, business or rental income
  • A list of upcoming changes to your income if any
  • A list of your debts if any and their respective interest rates
  • A list of your financial goals
  • And any questions you may have
Debt repayment analysis: fee starting at $250
  • Determine which debts to repay first
  • Explore how to restructure your debts if possible
  • Learn to effectively manage your cash flow and your credit
  • Learn to budget and set up emergency funds

For this analysis, we will need:

  • A  completed family budget sheet  indicating  where  your  money went in the past 12 months
  • A list of upcoming changes to your income if any
  • A list of your debts if any and their interest rates
  • A list of your financial goals
  • And any questions you may have
Estate Planning analysis: fee starting at $250
  • Review of your will and power of attorney  with  suggestions for discussion with your lawyer or notary if needed.
  • Review of your beneficiary designation and joint assets to ensure orderly transfer of assets
  • Determine how much life insurance you need if any
  • Review of current life insurance or discussion of types of insurance and how to structure it
  • Estimate probate fees, capital gains and taxes on death

For this analysis, we will need:

  • A copy of Wills and Power of Attorneys
  • Latest life insurance statements and copies of policies
  • Latest Canada Revenue Notice of Assessment
  • A list of your assets and liabilities
  • The amount of your survivor (s) income need
  • A list of your objectives and questions
Other financial planning analysis available are:
  • RESP review and children education savings required
  • Severance package review and options discussions
  • Business planning review and recommendations
  • Disability insurance review and recommendations
  • Please contact us for information required for these analysis

We must have received all of your documents and a deposit of $250 before starting your analysis. We will give you a firm estimate before any work is conducted if extra beyond the $250 is required. You will get a full refund immediately if you choose to not proceed with the analysis. Use PayPal to make your deposit.