Replacing a salary with a plan
A couple in their early sixties, approaching retirement with four separate pensions, two TFSAs, and no clear picture of what their monthly income would be once the salaries stopped.
A single consolidated drawdown plan, tax-aware across the two spouses, with a two-year cash buffer so no sale is ever forced in a weak market.
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Three siblings, one estate
A family of adult children navigating the estate of a parent who had never written down what she wanted, with holdings scattered across several institutions and two countries.
Clear account structures for each sibling, aligned to their own circumstances, and a letter of wishes to prevent the same ambiguity in the next generation.
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A trustee's second opinion
The lay trustees of a long-standing family trust, uncertain whether the portfolio structure still matched the deed and the beneficiaries' needs.
A documented review, a simplified portfolio structure aligned to the trust's distribution profile, and annual trustee reporting written for lay readers.
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A pile of statements, finally organised
A new client arriving with 11 open accounts across 7 providers — pensions from past employers, older TFSAs, two RRSPs, and a cash account she had forgotten about.
Six accounts closed, three consolidated, and a single statement each quarter in place of eleven.
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Deciding what to do with a DB pension
A client in her late fifties weighing the commuted value of a defined-benefit pension against staying in the plan — a decision with high stakes and room for regret either way.
A clear side-by-side analysis of both options, a long modelled view of each, and the decision kept with the client once she had the full picture.
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Investing while buying a first home
A couple in their late twenties saving for a deposit on a first house while also starting a TFSA for the longer term.
A split plan: short-dated savings in cash, long-dated savings invested, and a clear rule for which account each pay rise would top up.
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Catching up in the last decade of work
A client who started saving seriously only in his early fifties and worried that it was too late to build a meaningful retirement pot.
A disciplined ten-year plan: maximum RRSP contributions, a globally diversified portfolio, and a staged de-risking schedule for the five years before stop-work.
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Investing while raising young children
A dual-income couple in their mid-thirties with two toddlers, university fees twenty years away, and almost no spare attention to think about any of it.
Monthly automation into globally diversified portfolios, RESPs for the children, and a single annual review that fits around the school calendar.
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