Advice-only financial consulting means I have no conflicts of interest. I do not gain commission by selling you certain financial products. This means you can have full-confidence that my advice has no alterior motives. My only goal is to see you succeed.

It's very simple. We only make money from the advice we provide to you.

We do not place ads, provide or receive referral fees, or sell financial products.

Should we receive some other form of compensation, we will donate the equivalent value to Feed Nova Scotia, our local food bank.

Should we believe there is a conflict of interest in our advice, we will disclose it, in writing, and should you wish to not continue, refund any fees associated with our engagement.

Read our conflict of interest policy below

We charge $250 +HST per hour. We are happy to engage on a pay as you go type plan or quote out your hourly project on a project based fee. We are in the business of financial advice not maximizing billings so we make every attempt to stay within quoted amount.

Since everyone's needs are different, it is difficult to assign a price without communicating. But here are some examples so you have an idea of what we will charge:

Common Financial Questions

I'm new to finances and I need a foundation | 1-3 Hours

Retirement Income and Net Worth Projection (Near Retirement) |3-5 Hours

Retirement Projection (Working Years) |4-7 Hours

Buying, Selling, Considering Real estate | 2-3 Hours

Investment Second Opinion |2-3 Hours

Insurance Second Opinion |2-3 Hours

CPP/ OAS/ Pension Planning | 2-3 Hours

Cash Flow Coaching | 2-4 Hours

Reach out for a complimentary quote if you would like a quote specific to your situation.

Our Comprehensive Financial Planning Packages are priced based on complexity and time to complete our process. These packages are fixed prices broken into three monthly instalments over the life of the planning process. All prices are + HST.

Our base price for an individual with minimal complexity is $2000. Then we add $500 Flat each for various life situations:

• Partner
• Child(ren)
• Additional complexities:

Plus $1000 per line for additional entities and sophistication:

• Business Owners (Per business)
• Rental Properties (per 5 properties)
• Trust Structures (Spousal Trusts, Testamentary Trusts, Family Trusts etc.)
• Second Marriages
• US Persons for Tax purposes

We realize that maybe complex but here are some examples to assist you:

• A married couple who both work for the government with four children would be:
• A single tech worker with stock options and a side consulting business:
• A divorced physician with one child and a professional corporation:

We understand that this is expensive for many folks but we expect the value of the advice provided to exceed the costs. To bring quality advice to more people, we offer one sliding scale package and one pro bono package per month. You can find out more here:

*Prices do not include HST

DIY Planning - $25 per month

FIRE Planning -$2000 - $4000

Retirement planning -$2000- $3000

Financial Plan Second Opinion -$2000 if you have a written plan from another advisor

Recent Grads - Sliding Scale - Full Price is $1000

For Medical Students, we understand that medical school comes with a large price tag, and we try to price our service to provide maximal value at minimal cost. In light of this, we have two options:

• A one hour live discussion at half our standard rate or $125 + HST
• A $20 monthly retainer have consistent access to a conflict free financial planner for the remainder of your medical school. This include a one hour session with a CFP® Professional, monthly newsletter with financial tips tailored to where you are in your medical school journey and a discounted transition to residency discussion when the time comes.

A critical junction of financial planning, is transitioning to residency; you know where you are going, how much you will earn and how much debt you have. We offer a comprehensive meeting with actionable advice for $250.

For Residents and Fellows, we understand you are keeping many balls in the air from studying for exams, large debt loads, long shifts and living life! To make it easy to get actionable advice, we have two options:

• A one hour live discussion at our standard rate or $250 + HST
• A $20 monthly retainer have consistent access to a conflict free financial planner for the remainder of your residency/ fellowship. This include a one hour session with a CFP® Professional, monthly newsletter with financial tips tailored to where you are in your medical school journey and a 25% discount on a transition to practice package when the time comes.

For Residents and Fellows who are nearing the beginnings of independent practice, and physicians within the first 24 months of practice, we offer a transition to practice package over 18- 24 months. The total cost is $4000 + HST paid in 4 instalments or $200 per month and can begin anytime from the last 6 months of residency/ fellowship. The meeting and advice flow looks like this:

• Initial meeting - Get to know you and your situation including your priorities inside and outside of the hospital
• Cash flow meeting for the first 6 months of practice (adjusted to your cycle) including saving, tax planning, debt management.
• Insurance and estate meeting - revisit your insurance situation from disability to life to others as your income increases
• Cash flow meeting - first full calendar year of practice
• Incorporation meeting - recommendation around when to look at incorporation and explain the why associated with the decision.

If you are already well into practice, our standard rate of $4000 + HST for a full look at your finances applies. If you are looking at one particular issue, like joining a pension plan, when to incorporate, am I saving enough etc. is quoted out individually on a case by case basis at $250 + HST per hour.