1. Build More Wealth


​2. Reduce Risk


3. Protection of the Plan


4. No Additional Out of Pocket Cost

the solutions

our products & Services

We provide unbiased and comprehensive advice.

Through simple, time tested strategies, you can feel in control of your income again without feeling restricted!

DISCOVER
Understand the problem and what can be done about it.

IDENTIFY
We only work with accurate numbers to give accurate strategies. You don't want a plan based on assumptions so we always ask for full information up front.


VISUALIZE
Your data on the model- exploring strategic alternatives.
Cash Flow Planning-- LEAP Model--  Internal Design--  Money Strategies


IMPLEMENT
You decide actions to take to improve your financial position.

ACHIEVE
Increase efficient and effective use of your money. 
Annual Reviews

We have discovered through our years of experience is that behaviour is the KEY to everything when to comes to money. There is only so much we can do with rate of return, tax efficiency and the right debt structure. If behaviour does not line up with the day to day spending it will never lead to the goal

Lifestyle Cash Flow Planning

  • ​GICs

  • Life Insurance 
    ​(multiple companies and plans available)

  • Disability/Lifestyle Protection Insurance

  • Critical Illness (Cancer) Insurance

  • Health and Dental Plan

  • Group Health and Disability Plans

  • Health Spending Accounts

our 4 promises

  • Maximize your overall protection against unforeseen events (life, income, cancer, emergency savings, etc.)
  • Maximize your savings rate.
  • Maximize your ability to grow money safely using multipliers
  • Coordinate and organize your financial world. Your own personal CFO.
  • Maximize retirement enjoyment by creating lifetime guaranteed income.

how we get paid

DISCOVER
Understand the problem and what can be done about it.

IDENTIFY
We only work with accurate numbers to give accurate strategies. You don't want a plan based on assumptions so we always ask for full information up front.


VISUALIZE
Your data on the model- exploring strategic alternatives.
Cash Flow Planning-- LEAP Model--  Internal Design--  Money Strategies


IMPLEMENT
You decide actions to take to improve your financial position.

ACHIEVE
Increase efficient and effective use of your money. 
Annual Reviews

Lifestyle Cash Flow Planning

the solutions

  • RRSP (Registered Retirement Savings Plans)

  • TFSA (Tax Free Savings Accounts)

  • High Interest Savings Accounts

  • Mortgage Advice and Referrals

  • Personal and Business Loan Advice and Referrals

  • Personalized Investment Plans

  • Tax Preparation and Advice

  • Strategic Wealth Design 
    ​(financial planning the way it should be!)

No Fee for Service

We have made the deliberate decision to not charge fees for our services. You will never write us a personal cheque for your personal strategy sessions. Instead, we work with clients to implement strategies that work to their benefit and then we are paid by the companies in which you implement. 

The product is never the solution, however there will be products used along with way.

How do we help you Protect, Grow and Enjoy?