It’s your life. If you don’t plan for it, who will?
A Personalized Financial Game Plan for Professionals and their Families
It’s time to think differently about your money.
If you’ve ever wondered, “Is there anything else I should be doing to be smarter with my money?” we can help!
Whether you’re looking to improve your cash flow and pay off debt or you want to plan for the long-term knowing you’re putting your lazy money to work for your long-term financial freedom, we’ll make sure you’re checking all the right boxes and not missing a single opportunity to be smarter with your money.
Ready. Set. Financial Plan.
Excellent Reasons to Get Started With Your Financial Game Plan.
Why don’t they teach this stuff in school? By providing useful information as part of the Financial Planning process, not only will you have solid financial information to work from, you’ll also understand how to use it to put your lazy money to work to make progress.
We’ll help you get really savvy about all things money. You can expect us to discuss spending habits, financial goals, debt, saving and investing, risk, taxes and pretty much anything relevant to your money situation.
Personal finances are, well, personal. Your Financial Plan is completely personalized to you and your life. No two plans are alike. We’ll work together to build a financial game plan for you, your family, your lifestyle and your finances.
How it Works.
In Three Simple Steps.
Whether you’re starting from scratch or coming to us with some level of financial planning or strategy in place, together, we’ll address every aspect of your financial life in these three steps.
1. Where You’re At
What’s your starting point? We take a look at your current financial situation. What does your lifestyle look like today, how and where do you spend your money and what, if anything, have you done to save for the future.
Don’t worry, we’ve seen it all. We will discuss what you’re doing right and what you could be doing better. Also, we show you when you’re going to be a millionaire (spoiler alert: it doesn’t happen by winging it).
2. Where You Want To Be
It’s true, too much cash in the bank is doing you no favours but neither is investing without a plan (a.k.a. stock picking). Let’s define your aims and aspirations. It’s important to think about what you need, want and wish for.
With some clarity about what’s important to you, we can begin discussing your options and how to use your money in the most optimal way to help you reach your goals faster and in the safest possible way. Whether it’s paying off debt, saving for your kid’s education, planning a renovation or investing for your future, we’ll work with you to create a financial planning roadmap just for you.
3. Your Financial Plan
Together, we’ve reviewed every investment statement, insurance policy, debt, employer benefit, and retirement contribution to date. At our game plan meeting, we will walk you through your very own personalized financial plan including a behavioural cash flow plan and a savings and investing strategy built around your lifestyle.
Whether your focus is short-, mid- or long-term, you’ll have a comprehensive financial game plan designed to protect your lifestyle and help you make progress.
Get Started With
Your Financial Plan
Getting up close and personal with your financial life is essential and we’re here to help you do just that.
Whether you’re looking to improve your cash flow and pay off debt or you want to plan for the long-term and put your lazy money to work, we’ll help make sure you’re checking all the right boxes and not missing a single opportunity to be smarter with your money.
STARTER FINANCIAL PLANGet Started and Get Organized
- Evaluate your current situation
- Map where your money is going
- Remove spending uncertainty
- Plan for lump sum purchases
- Optimize credit cards, student loans, line of credit and mortgage repayments
- Simplify your money management
- Reduce stress
PRO FINANCIAL PLANGet the Big Picture
- Starter Financial Plan features PLUS
- Uncover your long-term financial goals
- Know your number to retire on your terms
- Assess your risk
- Develop an investment strategy
- Answer all your money-related questions, including how to save on taxes
- Enhance your peace of mind
PREMIUM FINANCIAL PLANPlan For Your Whole Life
- Starter and Pro Financial Plan features PLUS
- Consider alternate investment strategies
- Clarify your retirement income streams
- Optimize your estate planning
- Develop a charitable giving plan
- Know you and your family’s financial future is secure
Not sure which plan is right for you?
Schedule a complimentary call to learn more.
The Financial Planning Process
Our purpose is for YOU to be so outrageously happy with the help we provide that you wouldn’t hesitate to introduce us to friends, family or colleagues that may need our help.
Our Financial Planning and Wealth Management process outlined below is designed to ensure we’re consistently delivering on this promise.
Phase 1. Discovery
Initial call. We meet briefly over the phone to learn more about what you’re looking for. We agree that meeting to introduce ourselves is a good next step.
Initial meeting. This meeting is an opportunity to more formally discuss your aims and aspirations. We also share with you further details of how we work, who we do our best work for and an example of what a completed financial plan could look like for you.
Reflect. We take time to reflect and decide if we are a good fit for each other.
Intake questions. If we agree there is a good fit and we agree to move forward to the next step, we send you an intake questionnaire and cash flow statement to complete. You take the time to answer questions about where you’re at, complete the cash flow statement and gather your financial documents. You return the intake questionnaire and cash flow statement to us no later than 48 hours prior to our next meeting, the clarifying meeting. If, for some reason, you are unable to get the information to us 48 hours prior to the clarifying meeting, we will reschedule.
Clarifying meeting. We’ve reviewed the information you’ve sent us and we meet to gain further clarity and ask questions about your financial affairs. We gain clarity about what your expectations are and the information you shared with us. We gather your financial documents, discuss your goals and confirm again what’s important to you to make progress with your finances. At this meeting, we also share with you and talk over our service options and engagement agreement.
Phase 2. Develop
The Financial Game Plan Strategy meeting. After about 2 to 3 weeks and more than 10 to 15 hours of working on your finances, we meet again to share with you your financial game plan. We highlight what you’re doing well and what you could be doing better. You’ll know exactly what you have to do to make progress with your finances.
Financial Game Plan Strategy Follow up meeting. After another 2 to 3 weeks, we meet again to answer your questions and help you gain further clarity with the recommendations outlined in your financial plan. Getting up close and personal with your finances is essential so no question is a dumb question.
Celebrate! You’ve done a lot of work. It’s time to say congratulations and celebrate this important milestone. You now have a financial game plan for your life’s most important aims and aspirations.
87% of Canadians wish they had made better financial decisions. Congratulations! You’re on the path to leave financial regret behind.
Phase 3. Decide
Action meeting. You’ve completed your financial plan and you’ve decide to engage in our wealth management services. We now meet to start to implement your plan’s recommended actions that are pointed at helping you make progress. We don’t do everything at once. We prioritize and do what’s most important to you first. We then take purposeful steps to put these measures in place.
Our wealth management service is a full-service collaborative wealth management experience for professionals and their families. This service provides year-round professional advice and guidance to help you bring your plan to life.
Initial Review meeting. Taking action takes time. There may be applications to sign, underwriting to undertake, transfer to occur. Once the initial actions have been implemented, and this can take 2, 3 or even 4 months to complete, we meet again to review the actions taken and provide a financial snapshot for you. The idea, through communication and coordination, is to help you stay organized and making progress.
Phase 4. Dialogue
Email Newsletter. Our weekly e-mail newsletters are packed with insights and success strategies from leading experts and publications. Clients tell us it is an excellent read!
Unlimited phone and email support. As your needs evolve and your life unfolds, we are available to answer any questions that come up throughout the year.
Annual Review meeting. We will check in on you from time to time and give you a heads-up if there’s anything you need to be thinking about. Each year, we’ll touch base on the big picture and re-calibrate your financial plan as needed. If you have a significant life event or it’s been 3 to 5 years since we last did your comprehensive financial plan, we believe it’s a good idea to start back at the beginning and update your plan entirely.
I Want a Strategy That Works!
Schedule a complimentary call to get started today
Don’t just take it from us, read some kind words from people who work with us!
Personalized touch. Good advice. Having a person I can trust in my back pocket for life changes and questions. So much of finance is about mindset. I love how Lynn goes deep in our sessions to help me see what’s possible for my future. Lynn’s the best.Jaeny
When Lynn makes recommendations for me and my family, I know it’s because she is focused on doing the right thing for US. I trust her. She takes care of me and my family. I wouldn’t work with anybody else. Thank you, Lynn.Sean
Frequently Asked Questions
Do you charge a fee for financial planning?
Most people’s personal plans do not involve increasing the assets held by their financial advisor. Certainly, you want to see a positive return on your investments, but your actual goals have much more to do with things like enjoying your lifestyle, feeling financially secure and confident with your financial decisions. For example, you may have a goal to become debt free. While there can be pros and cons to using investment assets to pay off debt, deciding if it is the right move for you should only involve the effects on you, both financially and emotionally. However, advisors who charge only commission or fees for assets held have a conflict if you want to remove assets to pay off debt. Conflicts also arise when your investment advisor is with a large lending institution where your mortgage is held. These advisors have no interest in helping you become debt free by liquidating assets when their employer holds your mortgage. Your financial plan should involve all aspects of your financial life – cash flow, debt, saving, investing and risk. By charging a one-time fee to put your comprehensive financial lifestyle plan in place you know that all aspects of your plan will be considered and the recommendations will truly be in your best interest.
Do you have a minimum investment amount?
We have no minimum investment amount. Someone in their 30’s, 40’s or 50’s with a reasonably high income could greatly benefit from financial advice and has the ability to pay for it. We don’t turn people away simply because they have few assets to manage. Many even have assets in a home or an investment property, but would be turned away from an advisor with a minimum asset requirement because the advisor cannot manage those assets. We believe that anyone who has a need for financial planning and is willing to pay for professional advice should have access to a high-quality, fiduciary advisor, regardless of how many assets they have.
Don't Be Shy
If we didn’t answer all of your questions, feel free to drop us a line anytime.