We build your plan like a home.
From the foundation up. Nothing goes on the roof until the walls are strong, and nothing goes on the walls until your family is protected.
Four layers, in order.
Protect your ability to earn
Everything you build depends on your income. So we start with what could stop it: an illness, an injury, or dying too soon. If you own a home or a property, we make sure it would pass to your spouse or children, not to the bank.
Save where tax can’t reach
We look at what you already have. If your employer matches your RRSP, keep it: that’s free money. Then we look at your TFSA, check where your RRSP sits and what it earns, and use an FHSA if a first home is part of the plan.
Grow beyond the basics
Once the tax-free room is used, we look at non-registered investments, segregated funds and permanent life insurance, chosen to match how much risk you are truly comfortable with.
Pass it on, smoothly
A will, the right beneficiaries, and tools like segregated funds and life insurance, which may let money pass outside probate and reach your family faster.
Two conversations, then a lifetime of check-ins.
We get to know you
You tell me where you are: what you have in place, what you want retirement to look like, and what worries you. I ask, you answer honestly, and nothing is sold.
20 minutes, a little longer if you have questionsYour tailored plan
I walk you through your plan and the illustrations line by line, so you understand every number. If you are ready, we can start the application together.
45 to 60 minutesWe keep it on track
You get your documents and online access. Every six to twelve months we review your statements together and adjust if life changes.
Every 6 to 12 monthsPatient, never rushed
“Emmanuel took his time to explain their process and make suggestions according to my needs… he never once rushed or pushed me into making a decision.”
“Emmanuel was patient and didn’t rush into finding a solution. He took the time to understand my needs, carefully evaluate the situation, and determine the best way to address them.”
“I both appreciate how patient he is and continue to value his after sales service… Although he and I have never met in person it’s been straightforward establishing a working relationship with him.”
★★★★★ 5.0 from 21 Google reviews · Read more reviews
Let’s start with your foundation.
Twenty minutes by phone or video, a little longer if you have questions. You leave with a clearer picture, whether or not we work together.
Prefer to call? 604-800-7647