Financial Planning for
High-Earning Wealth Builders
Your income is your greatest asset.
Let’s build the plan to preserve and compound it.
Earning Well? Let’s Build Your Roadmap.
Out-earning your upbringing is an incredible achievement. However, a strong income in Canada brings high marginal tax rates, lifestyle creep, and complex choices.
Should you prioritize your RRSP, TFSA, or FHSA?
How do you invest outside registered accounts tax-efficiently?
How do you ensure your current lifestyle doesn't come at the expense of your future freedom?
Generic bank advice often focuses on standalone products, while DIY forums and spreadsheets only give rules of thumb.
We connect your income, tax strategy, investments, and family protection into one clear roadmap built around your goals.
Who This Is For
High-earning professionals & executives navigating top marginal tax brackets
Dual-income households looking to align their financial goals and tax buckets
Outgrown DIY investors who want a professional strategy beyond spreadsheets and Reddit threads
First-generation wealth builders creating long-term family security and a legacy from scratch
Own a corporation or professional corporation? See our Corporate Planning page is built for Canadian private corporations.
The Questions We Help You Answer
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We map out contribution strategies across your RRSP, TFSA, FHSA, and taxable accounts to help reduce lifetime income tax and support long-term growth.
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We stress-test your wealth trajectory against 20+ year projections, inflation, market shifts, and major life purchases like real estate.
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We evaluate real estate purchases, mortgage structures, and carrying costs against your long-term plan so you can upgrade your home with confidence and without becoming house poor.
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We audit household cash flow and debt structures to build a sustainable savings framework that funds your current lifestyle without delaying future goals.
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We evaluate your risk coverage, insurance structures, and estate arrangements to help protect your household’s standard of living if the unexpected happens.
The Personal Roadmap
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A 12-month active partnership.
Unified Financial Roadmap: A 20+ year interactive map to stress-test big decisions, such as buying property, career moves, or early retirement.
Tax-Efficient Architecture: Coordinated planning across your RRSP, TFSA, FHSA, and taxable accounts to help you keep more of what you earn.
Cash Flow & Debt Strategy: Structuring of household income, mortgage payoff strategies, and high-impact savings targets.
Legacy & Education Framework: Structured plans for post-secondary funding (RESP) and family wealth transition.
Wealth Protection Review: A review of your life, disability, and estate arrangements to identify and reduce household exposure points.
*Starting rate applies to standard household planning. Final fees scale with planning complexity and are confirmed in writing before any commitment.
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Optional ongoing engagement following your initial 12-month roadmap.
Annual Tax Strategy Review: Year-end contribution strategy updates aligned with Canadian tax law changes and income shifts.
Plan & Investment Realignment: Ongoing stress-testing of your roadmap against changing market conditions and life milestones.
On-Demand CFP® Sounding Board: Direct access to your financial planner for major financial moves, including job changes, real estate, or equity compensation choices.
Protection & Estate Updates: Regular check-ins to help keep your risk coverage and estate documents current as your net worth grows.
*Effective rate of $167/mo when paid annually ($2,000/yr). Flexible monthly billing available at $185/mo. Fees scale with additional complexity and are confirmed in writing before you begin.
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When you use our Integrated Portfolio Strategy ($100K+ minimum), your advisory fee is charged through your portfolio and credited toward your financial planning fee:
$100K – $249K Investable Assets: The advisory fee charged through your portfolio is credited against your initial roadmap or monthly retainer, reducing what you pay directly.
$250K+ Investable Assets: The advisory fee charged through your portfolio covers your annual planning fee, so there’s no separate planning invoice. Full access to all planning deliverables is included.
Advisory fees and the portfolio manager’s fees are deducted from your portfolio and apply in addition to any investment product costs. Fees reduce investment returns. Final fees are confirmed in writing before any commitment.
Financial planning has no asset minimum. Questions about how pricing works? Visit our FAQ.
How It Works
Discovery Session. We review your goals, tax position and priorities to see if we’re a good fit.
Roadmap Development. We analyze your numbers, stress-test scenarios and draft your strategy, then check the key assumptions with you.
Plan Presentation. We walk you through your Personal Roadmap and the next steps across tax, cash flow, investments and protection.
Plan Execution. We implement the strategies you approve.
Ongoing Partnership. Annual realignments and adjustments as tax laws, markets and your life change, through our retainer or blended model.
Ready To Build Your Plan?
Let’s start with a conversation.
No pressure, no jargon, just a clear path forward.