Advice Only Financial Planning

Navigate your money with ease

meet sandi

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Featured Writing

Featured

Ongoing Financial Planning Support

Over time, your investments will perform however they perform. Inflation will do its thing to your expenses. Your income will grow (or not). You’ll save more or less than you thought you’d be able to. The interest on your debt will change, and you’ll pay off more or less than we assumed. Tax policy will definitely change to incentivize different behaviours.

This, friends, is the reason it’s called “financial planning”: it’s an iterative process, rather than a one-and-done product.

When Things Go Wrong

There’s not a lot that I can tell you with utter certainty, but here’s something I know for sure: things will go wrong. Here’s what to do if you, like me, don’t own a time machine and can’t travel to the past to do all the “right” things ahead of time.

Getting Organized for Financial Planning (especially if you've never done it before)

If you’re thinking of getting started with financial planning, and are feeling intimidated by what you think you need to know before you even begin, here’s a step by step guide to getting organized.

Services

I specialize in working with people who know they can do anything, but not everything.

I do not sell investments, insurance, or financial products of any kind, nor do I accept or pay referral or affiliate fees for any of the professionals or products I may recommend.

Retirement Income Plan - Practice Specialization

The Retirement Income Plan is for people within 3-5 years of retirement or who have already retired, and is focused on creating a tax-efficient decumulation plan for assets that minimizes the risk of portfolio failure and maximizes government benefits and lifetime satisfaction.

from $5,100 + tax for a first-time plan + $93/month for ongoing support

Custom Financial Plan

The Custom Financial Plan is for people with multiple competing goals that may include educating and launching children, protecting themselves and their loved ones from known risks, balancing mortgage payments and savings, managing cash flow and income tax planning effectively, and allocating a portfolio across multiple types of accounts.

from $4,500 + tax for a first-time plan + $46/month for ongoing support

Book Introductory Meeting Now

Hourly Consulting

Hourly consulting is for people who have things mostly under control and want a second opinion, have burning questions they haven’t been able to find good answers for online, or just want someone to talk money with.

If you decide to enter into a full financial planning engagement within 6 months of our consultation, your fee will be credited to the new engagement.

$339/hour - Book Now

Financial Empowerment Workshops for Employees

Professional financial education is for employers who recognize that worker well-being is essential to organizational effectiveness. Workshops are tailored for your team can be delivered virtually or in person. Discounted rates available for nonprofits and cooperatives.

Request a quote

If you own corporations or rental properties, and/or have tax reporting or exposure in the US, please visit adviceonlyplanners.ca, the Financial Planning Association of Canada’s member directory, or Steadyhand’s Advice Only Planner list to find a planner that’s right for you.