My process
A six-step journey together.
Here's exactly what working together looks like: from a no-pressure first conversation to a written plan you own, disciplined implementation, and a partnership that adapts as your life does.
- Step 1
Intro Call, 20 Minutes
A free conversation. Nothing to prep or to sign. You can ask me anything: my approach, my fees, how I invest. I'll ask you questions to learn enough about your situation to know if I can genuinely add value. If I'm not the right fit, I'll tell you honestly and point you somewhere better.
What you get
- An open, no-commitment conversation with a Certified Financial Planner professional
- Step 2
Deep Dive, 60 Minutes
You send your key documents in advance, such as pension and investment statements, tax returns, and/or insurance policies. This will allow me to arrive prepared to ask the important questions, and sometimes even the tough ones nobody else has thought to ask. We talk about what matters most: your family, your vision of retirement, what you've built, how to make it last, and what you want to leave behind.
What you get
- A high-level review of your current financial position (identification of gaps, risks and planning opportunities)
- An objective assessment of your investment portfolio
- My commitment to deliver a detailed written plan at our next session
- Step 3
Your Plan, 90 Minutes
We walk through your comprehensive written financial plan together, modelling multiple scenarios so you can see your next phase of life clearly and make informed decisions about it. When we're done, that plan belongs to you, whatever you decide next.
What you get
- A comprehensive written financial plan
- Multiple scenarios modelled out for you
- Recommendations to improve your financial situation
- Step 4
Your Decision
Everything to this point has been complimentary. If the plan is enough for you to move forward on your own, that's a genuine win, and my door stays open. I believe in earning your trust before asking for your business.
What you get
- A committed partner if you choose to move forward with me
- An open door to revisit if your circumstances change
- Step 5
Implementation
This is where we begin to implement the written financial plan together. I onboard you, coordinate your account transfers, and build an investment portfolio aligned with your plan, your timeline, and your risk tolerance. Then we enact the plan step by step, in the right order. What you're paying for isn't a one-time transaction. It's ongoing advice and disciplined execution.
What you get
- A seamless account transfer and consolidation
- An evidence-based investment portfolio built to suit your life
- Every recommendation from your plan actioned in the right order
- Step 6
Ongoing Partnership
Life is not a straight line, and I've never met a financial plan that didn't need to evolve. You get scheduled annual reviews, proactive outreach when markets shift, and intentional check-ins at the moments that matter: RRSP season, tax time, and the milestones nobody puts on a calendar. If you call between those moments, you get me directly. Same day, every time.
What you get
- Scheduled reviews to keep the plan current
- Proactive outreach directly from me
- Same-day direct access to me
- A plan that adapts as your life does
- A relationship built to last through every chapter of your retirement
Let's talk
Ready for a conversation?
Book a 20-minute Intro Call. We'll see if there's a fit. That's it.