Your Questions, Answered

  • Unlike traditional firms that only provide advice if they manage your investable assets, we offer a dedicated Fee-for-Service option. This allows you to pay a transparent, flat fee for our Personal Roadmap, Corporate Strategist, or Foundation Audit tiers.

    This model is specifically designed for those whose wealth is currently "illiquid" tied up in Real Estate, Private Business Equity, or Corporate Surplus. It ensures that you have access to high-level strategy, and professional partnership, regardless of whether you have a traditional investment portfolio for us to manage.

  • We believe you shouldn’t pay twice for strategy. If your portfolio generates our annual advisory minimums ($2,500 for Personal / $5,000 for Corporate), your 12-month Roadmap is fully included.

    For growth-phase clients, we bridge the gap to make high-level strategy accessible immediately.

    Example: A couple with $150,000 in assets engaging for a $2,500 Personal Roadmap might pay a reduced upfront fee of $1,000. The remaining $1,500 is covered by the annual advisory fees from their managed portfolio.

  • Complexity usually means there is more "structural engineering" required for your roadmap. This typically includes things like:

    • Multiple Corporations: Managing active businesses alongside holding companies.

    • Real Estate Portfolios: Coordinating tax and cash flow for multiple investment properties.

    • Blended Family Dynamics: Ensuring estate continuity and guardianship are handled with extra care and precision.

  • Yes. The Foundation Audit is a standalone, tactical "second opinion" designed for those seeking immediate clarity on a specific issue or a general "stress test" of their current path. Unlike our 12-month Roadmap partnerships, the Audit is a focused, one-time engagement.

    Because of its lower price point and "quick-win" nature, the Audit is not eligible for our blended AUM model. However, it serves as a perfect starting point; if you choose to upgrade to The Personal Roadmap within six months, your initial audit fee will be credited toward your new planning engagement.

  • Financial planning is a dynamic process, not a one-time event. After your initial strategy is implemented, we transition into a Continuous Strategy phase to ensure your plan evolves with changing tax laws and life milestones.

    For Managed Clients: This ongoing oversight, annual strategy updates, and institutional portfolio execution are fully integrated into your advisory fee.

    For Fee-for-Service Clients: We offer an Ongoing Strategy Subscription at a reduced annual rate. This provides you with year-round access to professional guidance and annual "stress tests" of your plan, while you continue to manage your own investment execution.

  • We act as the Strategic Lead for your financial life. Great advice shouldn't happen in a vacuum, so we actively coordinate with your existing team, specifically your CPA and Tax Professionals to ensure our investment and surplus strategies align with your tax filing.

    If there are gaps in your roadmap, we act as the bridge to our trusted network of specialists, including:

    • Estate Lawyers: To ensure your Wills, POAs, and Guardianship plans move from "draft" to "done."

    • Mortgage Specialists: To optimize your debt structure or secure financing for new properties.

  • While we act as your Lead Advisor and Strategist, the day-to-day trading and institutional-grade execution are handled by a specialized third-party portfolio manager. This structure allows me to remain an objective overseer of your total financial picture, while ensuring your investments are managed by a professional portfolio manager.

    For maximum security, all assets are held in your name at a major Canadian custodian. Your accounts carry the same regulatory protections and insurance as any major financial institution in Canada, ensuring your capital is safeguarded regardless of the advisor or manager you choose to work with.

  • While we are designed with the unique needs of First-Generation Wealth Builders in mind, we work with any individual, family, or business owner who values a strategic, objective partnership.

  • No. We offer the initial audit as a complimentary assesment. Our goal is to identify if your current protection and legacy strategy is efficient or if your family is over-exposed to risk. If the audit reveals a gap and you choose to implement a solution through Fabien Wealth, we are compensated via a standard commission from the insurance provider.

  • For Investment Management, we charge a percentage-based advisory fee. For Wealth Protection (Insurance), if the audit reveals a gap and you choose to implement a solution through our office, we are compensated via a standard commission from the insurance carrier.

    *We do not receive compensation for recommendations to accountants, lawyers and/or mortgage professionals.