Holistic financial planning means we look at your whole financial picture, not just one piece. We cover everything from retirement, insurance, investments, and estate planning to taxes. Our goal is to help you create a plan that fits your life, your dreams, and your goals.

We know managing your finances can be overwhelming. That’s where we come in. As advisors, we’re here to help you make smart decisions, avoid costly mistakes, and create a personalized plan that makes sense for your life. We want to ensure you’re set up for success, now and in the future.

Everyone’s retirement number is different. It depends on how you want to live in retirement and what’s important. We work with you to determine a realistic target and build a plan to help you reach it.

It’s a common worry, but we’re here to take the guesswork out of it. We’ll review your savings, investments, and spending habits and let you know if you’re on track. If not, we’ll adjust together so you’re back on course.

We get it—trust is huge. That’s why we work on a fee-for-service basis, so you know our recommendations are all about what’s best for you, not driven by commissions. We’re transparent about our fees from day one, so there are no surprises.

We’re in this for the long haul, so we’ll meet regularly—usually once a year or more often if things change in your life. The idea is to keep your plan fresh and on track as life happens.

Our fees are based on the services we provide, not on selling products. We believe in being upfront and transparent so you’ll always know what you’re paying and why. No hidden fees, no surprises.

A TFSA gives you tax-free growth and withdrawals, making it flexible for all savings goals. An RRSP, on the other hand, helps you save for retirement with tax-deductible contributions, but you’ll pay taxes on withdrawals. We’ll help you figure out which one works best for your situation.

When you turn 71, the government requires you to convert your RRSP into a Registered Retirement Income Fund (RRIF); you will then be required to withdraw a certain amount each year. We’ll help you make the right choice so you’re not hit with unnecessary taxes.

Feeling anxious when things get unpredictable is natural, but selling your investments in a panic can do more harm than good. We focus on long-term strategies and help you stay the course, even when the news is scary.

GICs are safe, but their returns might not keep up with inflation, meaning your money could lose value over time. Investing in the stock market offers higher potential returns, which can help you meet long-term goals like retirement. It’s all about balance, and we’ll help you find the right mix.

The FHSA is a great way for Canadians to save for their first home. It’s like a mix between an RRSP and a TFSA—you get tax deductions on contributions, and you don’t pay taxes on withdrawals for buying a home. We’ll help you make the most of it if homeownership is one of your goals.

We’re not just here to sell you investments—we’re here to guide you through every part of your financial journey. Our approach is holistic, which means we cover everything from retirement to estate planning. Plus, we focus on transparency and trust with a clear fee structure, so you always know where you stand.

Yes, estate planning is a big part of what we do. We help ensure your assets are protected and passed on according to your wishes. It’s all about giving you peace of mind, knowing that your loved ones will be cared for.