Private Wealth Management

Q: “How involved do I need to be?”

As involved as you want to be. Some clients can’t get enough of the data and details; others we have a tough time tracking them down once a year to fulfil our regulatory requirements — they are too busy ‘living’! Either way, your investments and financial plan are being taken care of constantly, so you don’t have to worry about it.

Q: “Will you help with tax and estate planning?”

Yes, this is the meat and potatoes of what we do. The goal is simple: less tax now, in retirement, and through your estate. A ‘win’ is when more of your money goes to the people and causes you care about and less goes to the government.

Q: “What happens after the initial plan is built?”

We view a financial plan as a process, not a document. Once all of your information is entered, we will run multiple ‘what if?’ scenarios of your choosing. For example:‘what if we retire five years earlier?’, or‘what if we spend $35,000 a year in travel for the next 15 years?’, or‘how is the best way to gift each grandchild $200,000 for a home down payment?’ Everyone has unique goals for their money, this is where the fun really starts! We will review your plan annually at minimum or ad hoc when you need it. We prefer to update numbers and run through scenarios before any major decisions are made — retirement, purchasing a second (or third) home, gifting money to kids, etc.

Q: “Do you replace my current advisor?”

Yes.We get to know your situation, build a plan, and if you decide to move forward, we handle the entire transition behind the scenes.This is a long-term relationship that requires trust, communication, and rapport; you will be confident in moving forward with us before you are ever asked for a single dollar of your hard-earned money.

Q: “How do I know if this level of service is right for me?”

The best place to start is our Fit Check Form.If you want everything coordinated, simplified, and handled properly without having to think about it constantly, this is likely a good fit.

Designed for people who have built well — and now want better clarity.

For people with growing wealth, moving parts, and big questions. We build a working financial plan that helps you make confident decisions about retirement, family, business, property, taxes, and what comes next.

BEST FOR

Families & individuals with multiple assets or properties

Pre-retirees and retirees

Business owners and incorporated professionals

Who needs financial planning

Clear financial planning for major life decisions.

The right client for this service is usually not starting from scratch. They are responsible, and already doing many things right. The issue is that life has become more layered, and guessing is no longer good enough.

You’re nearing retirement

You want to know when work becomes optional, what you can spend, and whether the plan holds up.

You have big family decisions to make

You’re thinking about helping kids, gifting money, buying property, or planning what gets passed on.

You run a business or corporation

You need planning that accounts for how you pay yourself, tax considerations, and the bigger picture.

You want a clarity before a move

A home upgrade, early retirement, a second property, a business change, or a major lifestyle decision.

What's a Financial Plan

A financial plan is not a document

Objective numbers to support life’s subjective decisions.

Forget a 50-page report you will look at once.

It’s not something you create put in a drawer, and forget about.

It’s something you return to when life changes, when new opportunities show up, and when you need to know whether a decision actually works on paper.

At its best, financial planning gives you objective numbers to support subjective life decisions.

The core question most people want answered is simple: “Are we going to be okay?”

WHAT WE LOOK AT

To give useful guidance, we need the full picture

Good planning does not happen in fragments. We organize the moving parts so you can see how everything interacts before a decision gets made.

The Lens

One organized view of your financial life.

Investments, tax, assets, liabilities, corporate structure, insurance, spending, estate goals, and future tradeoffs do not live in separate worlds. Neither should your planning.

Investment accounts and statements

Insurance policies and coverage

Major assets, including homes, cottages, businesses, or properties

Mortgages, lines of credit, and other debts

Tax returns and notices of assessment

Pensions, group plans, and benefits

Spending, lifestyle, and cash flow

Corporate financials and how you pay yourself

Future goals that require capital or tradeoffs

What you get

The plan helps you answer the decisions that actually matter

This is where planning stops being theoretical and starts becoming useful in real life: a true clarity on how achievable are your goals.

Question 01

Which accounts to invest in (and why)

Question 02

How much you can spend comfortably in retirement

Question 03

How to pay as little tax now, at retirement, or through your estate as possible

Question 04

How to access your money in retirement to gift your kids

Question 05

The effects on your estate from lowering your investment risk

Question 06

How to minimize your estate tax bill through charitable giving

FREEDOM BEGINS HERE

Freedom is found in the right what-if questions.

When you start to dream, we know that they are gaining comfort in the security of their numbers and are ready to start making changes to take back some of their time.

1 What if I retire five years earlier?

2 What if we spend $25,000 a year in travel between 60 and 80?

3 What if we spend $300,000 on a cabin renovation to make it better for our kid’s families?

4 What if we give our kids money for downpayment on their homes?

5 What if we buy the place in Scottsdale to spend winters in?

6 What if I quit my career and work at a golf course for fun?

The Benefit

The point is not just to grow wealth. It is to live better with it.

A lot of people have spent decades doing the responsible thing: working, saving, investing, staying disciplined.

Good planning helps them see the numbers clearly enough to make better life decisions — which often means retiring earlier, spending more confidently, gifting more generously, and enjoying life while they are still healthy enough to use what they built.

The Shift

From under-living out of fear to making intentional decisions with confidence.

Most Asked Questions

“What does “Private Wealth” actually include?”

It’s a platinum-level service where we make everything easy and understandable.

You get access to the best investment options in Canada, along with a full financial plan that lives and breathes, and we aim to be involved in any decision tied to a dollar; selling your business, buying a foreign property, or gifting money to your kids —we will be there to help.

“How involved do I need to be?”

As involved as you want to be.

Some clients can’t get enough of the data and details; others we have a tough time tracking them down once a year to fulfil our regulatory requirements — they are too busy ‘living’!

Either way, your investments and financial plan are being taken care of constantly, so you don’t have to worry about it.

“How are investment decisions made?”

We start with a financial plan, align all of your investment accounts with a particular goal of yours and have the professionals build out a portfolio that matches those goals.

We refer our clients to independent investment councils that discretionarily manage your investments. These advisors have the same legal fiduciary duty as a lawyer or doctor would; they have to (not ‘ought to’ as most of the industry is set up) manage your money with your best interests in mind.

We sit on your side of the table; answer any questions, advocate for you when things feel overwhelming, and handle all of the backend administration work.

“Will you help with tax and estate planning?”

Yes, this is the meat and potatoes of what we do.

The goal is simple: less tax now, in retirement, and through your estate. A ‘win’ is when more of your money goes to the people and causes you care about and less goes to the government.

“What happens after the initial plan is built?”

We view a financial plan as a process, not a document.

Once all of your information is entered, we will run multiple ‘what if?’ scenarios of your choosing. For example:

‘what if we retire five years earlier?’, or
‘what if we spend $35,000 a year in travel for the next 15 years?’, or
‘how is the best way to gift each grandchild $200,000 for a home down payment?’

Everyone has unique goals for their money, this is where the fun really starts!

We will review your plan annually at minimum or ad hoc when you need it. We prefer to update numbers and run through scenarios before any major decisions are made — retirement, purchasing a second (or third) home, gifting money to kids, etc.

“Do you replace my current advisor?”

Yes.

We get to know your situation, build a plan, and if you decide to move forward, we handle the entire transition behind the scenes.

This is a long-term relationship that requires trust, communication, and rapport; you will be confident in moving forward with us before you are ever asked for a single dollar of your hard-earned money.

“How do I know if this level of service is right for me?”

The best place to start is our Fit Check Form.

If you want everything coordinated, simplified, and handled properly without having to think about it constantly, this is likely a good fit.

NEXT STEP

Get clear before you make the next big decision.

If you want to know whether the numbers truly support the life you want, let’s build the model and walk through it together.