A—20 Areas of guidance
How I help
These are not eight separate services. They are eight parts of one structure, and each one is only as useful as its relationship to the others.
How to read this
Ask which stage a decision belongs to before asking which product solves it.
My job isn't simply to tell you what to buy. It's to help you understand why a financial decision makes sense in the context of your life. Each area below is tagged with the stage of The Wealth Architect System it primarily serves.
Financial planning
A written plan that connects your income, savings, goals and timelines. It should tell you what to do this year, what to ignore, and what would have to change for the plan to change. Reviewed as life moves, not filed away.
Account & savings structure
TFSA, RRSP, FHSA, RESP, corporate and non-registered accounts each behave differently — and for business owners and incorporated professionals, the corporate side belongs in the same conversation. We decide which container suits each goal and each timeline, and why — so you can explain your own setup to anyone who asks.
Investment strategy
Diversified portfolios built around your time horizon and your tolerance for a bad year. The aim is a strategy you can hold, contributed to consistently, rather than one that looks impressive on paper.
Retirement planning
Projections while you are accumulating, and a withdrawal approach when you are not. Which accounts to draw from, in what order, and how government benefits and pensions fit alongside your own savings.
Insurance & protection
Life, disability and critical illness coverage sized to real obligations rather than round numbers. We also review what you already hold — group coverage included — before assuming anything new is needed.
Family & education planning
RESPs, grants, timelines and the practical question of how much you intend to fund. Alongside it, the protection that keeps those commitments intact if a parent's income stops.
Wealth organisation
An inventory of what exists, where it lives, and who else needs to know. Old accounts, dormant policies, forgotten beneficiary designations — the tidy-up is unglamorous and frequently the highest-value hour we spend.
Ongoing advice
Structure is not a one-time build. Reviews at a sensible cadence, plus a person to call before a large decision rather than after it — a new job, a property, an inheritance, a business sale.
A—21 Working together
What the process looks like
1. A 30-Minute Introduction Call
About 30 minutes. I'll learn a little about where you are, what you're trying to accomplish, and what prompted you to reach out. I'll also explain how I work, and we can determine whether taking another step together makes sense. There's no cost and no obligation to proceed.
2. Discovery and inventory
We gather the pieces: income, savings, accounts, coverage, debts, pensions, corporate assets. Nothing is judged. The purpose is a complete picture — most people have never seen theirs on one page.
3. Blueprint
You receive a written structure: what each pool of money is for, what stays liquid, where the gaps are, and the sequence for addressing them. Recommendations are explained in plain language, with the reasoning attached.
4. Implementation
We put the plan into effect at a pace that suits you, in the order that matters. Before you act on any recommendation, you'll be told in writing what it involves and how it is paid for.
5. Review and adjust
Life changes and so does the structure. Regular reviews keep the blueprint current, and you have someone to call before a significant decision rather than after it.
Let's start with a conversation.
Not sure which of these you need? That is usually the right reason to book an Introduction Call. Working out which stage you are on is the first thing we do together.
Book an Introduction Call →