Advice Only Financial Planning

Navigate your money with ease

meet sandi

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Featured Writing

Featured

'Tis the Season for Retirement Income Planning

What is retirement income planning, and why do we have to do it once a year? As it turns out, almost none of you are actually experiencing the worst case scenario, at least from the perspective of your investment returns, tax policy, and cost of living increases. Most of you have more in your accounts than we projected.

And that’s precisely why we meet once a year to check in on your plan.

Investing for a Better Future

The old paradigms of “investing is only about money” and “corporations only exist to maximize shareholder values” are actually shifting. Not fast, mind you, and it will take hard, sustained work to create long-term, meaningful change...but part of that change is the belief that it can be done. People like you, who engage with their wealth of resources as a source of future good can make it happen, and the first step is simply believing it can be done and acting accordingly.

Retirement Strategies for Your Unique Values

The problem with starting with the details of “how” is very similar to the problems you’d encounter if you started to build a house without stopping to design it first. Even if you somehow manage to get the foundation poured properly and the walls and roof attached to each other, starting with design first is the only way you’ll end up with a home worth living in.

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.