Retire with Confidence. Live with Clarity.

Typically 4–6 weeks from our first meeting to having your complete retirement and wealth strategy documented and ready to implement. We guide you through every step—discovery, analysis, plan design, and implementation.

We primarily use an assets under management (AUM) fee structure—typically between 0.50% and 1.00% depending on complexity and portfolio size. This covers comprehensive planning, investment management, ongoing advice, and regular reviews in one predictable annual fee. In some cases, we may use a combination of planning fees and asset-based fees depending on your situation.

Many advisors focus primarily on investment management or selling specific products. We take a comprehensive approach—coordinating your investments, retirement income, tax strategy, and estate planning into one cohesive plan. We're also independent, which means we have access to a wide range of solutions and aren't limited to proprietary products.

Not necessarily. We can start with planning and gradually consolidate accounts as it makes sense. That said, having your investments under one roof typically makes management more efficient and ensures everything is working together toward your goals.

That's exactly why we provide ongoing support. Life changes—markets shift, families evolve, tax laws update, goals adjust. We meet with you regularly to review your plan and make changes as needed, so you're never navigating uncertainty alone.

Absolutely. We believe the best outcomes come from collaboration. We're happy to coordinate with your existing professionals to ensure your complete financial picture is aligned—from tax planning to estate documents to investment strategy.

That's often the first question we answer together. Through detailed analysis of your income needs, expenses, savings, pensions, and other assets, we create projections that show you exactly where you stand—whether you can retire now, what adjustments might help, or how much longer you might need to work.

Sequence of returns risk is real, and it's something we plan for. We structure portfolios with your timeline in mind, create income strategies that don't force you to sell in down markets, and build contingency plans so you can weather volatility without derailing your retirement.

A common rule of thumb is the "Rule of 25"—multiply your annual spending needs by 25. But here's the key: you only apply this to the income you need to generate from your investments, not your total spending.

For example, if you spend $80,000 per year but receive $30,000 from CPP and OAS, you only need your investments to generate $50,000 annually. Using the Rule of 25, that means you'd need about $1.25 million saved. If you also have a company pension, your required savings would be even lower.

But here's the reality: it depends entirely on your lifestyle, goals, and timeline. Your actual number depends on when you want to retire, all your income sources (CPP, OAS, pensions), your health, tax situation, legacy goals, and what you want retirement to look like.

The Rule of 25 is a helpful starting point, but the real answer comes from understanding your specific situation and running detailed projections. That's exactly what we help you figure out in a discovery conversation.

Your investment philosophy should match your goals and sleep-at-night tolerance—not a one-size-fits-all house view. We can't predict the future or time the market, and we don't pretend we can. What we can do is build diversified portfolios that fit your timeline and risk tolerance, manage risk appropriately, keep costs low, minimize taxes, and help you avoid emotional mistakes that derail long-term success. Some clients need growth, others need income and stability. We match the strategy to the person. The right investment philosophy is the one that lets you sleep at night and gets you to your goals.

Absolutely. Many business owners struggle with questions like: Where should I keep money—in the business or personally? How do I pay myself tax-efficiently? When should I start extracting wealth? Your business is often your largest asset, and separating it from your personal planning doesn't make sense. We look at the complete picture and help with retirement planning for you and your employees, succession planning, tax-efficient compensation strategies, corporate investment accounts, and coordinating your business exit with your personal retirement timeline.

We serve clients in many provinces across Canada. While we're based in Manitoba, our team holds licenses in multiple provinces, and we serve clients virtually throughout the country. Want to know if we can work with you? Reach out and we'll let you know right away.