Discover Fee-Only Financial
Planners Across Canada

Our clients know the value of working with professional with strong technical competence and deep emotional intelligence. Our planning process is designed to support each client's personal definition of success.

We follow a four meeting process (by phone or video chat) for each client engagement:

1) Discovery: This is where we get to know each other, and I gather enough information to write a proposal based on your unique circumstances and goals
2) Foundation: Once you've shared information about your current circumstances, we meet for a Foundation Meeting to discuss your values, confirm planning assumptions, and make sure we're working towards the same goals.
3) Plan Presentation: In this meeting we're reviewing our analysis and recommendations, and going through any questions you might still have before you start implementing your plan. (1.5 hours)

We provide continuity of care to our clients via our retainer program

I help people with a decent income to overcome money-related problems, helping them take control of their finances to stop worrying about money so they can focus on what's really important in life (according to themselves).

Typical clients are within 1-3 years of retirement and are looking for a clear plan. Through proactive tax and retirement income planning our goal is to help you get peace of mind surrounding your finances so that you can get the most out of retirement.

Typical client is age 40 and older. A written fee-for-service Financial Plan includes 1) determining your goals and expectations 2) clarifying your present financial status and identifying any problem areas and opportunities. It excludes implementation, review and ongoing monitoring.

Holistic planner with no specific target demographic

I mostly work with clients that are either DIY investors or clients that are looking for a second opinion. I meet either in person or virtually depending on the clients location. I offer a free 30 minute consultation where the clients and I figure out if we are a good fit for each other. At that time I can provide an estimate of the amount of time there plan will take.

We specialize in financial planning for young professionals, established families, retirees and business owners.

For retirement projections, 1hr fact-finding meeting, emailed draft within 2-3 weeks, 1hr follow-up review meeting, finalized plan and bound copy shortly after

We work with the clients to develop a plan over a few meetings via phone,email and in person. People looking for a unbiased view on their situation and strategies they are currently using.

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Typical client will be higher net worth ($250,000+) and have a need for comprehensive financial planning. Will begin with an initial meeting (no charge) to determine if we are a suitable match. From there proceed to gathering the information for the plan, analyzing and meeting again to deliver the plan and recommendations.

Work with clients age 40+. Most of my clients live in Alberta and I work with people across the country.
The ideal client is someone looking for objective and comprehensive financial advice.

All client engagements begin with a Wellth Assessment, which is the financial equivalent of an annual physical exam with a medical doctor. I check your “financial vitals” and provide an assessment report of what’s working well, areas of concerns and how we can work together to optimize your financial health.

Older millennial or younger GenX professionals who are purpose driven, and who wish to improve their relationship with money.

Meeting online via Zoom. Meeting will be recorded for client reference.

My philosophy is that I'm here to help. No client is turned away because of the size of their portfolio, complexity of their situation or by how many hours of time they need. I serve anyone that needs my help, and am happy to provide an hour or ten hours of time, and can answer tax questions to develop a full retirement plan - and everything in between.

Clients are usually small business owners and professionals looking for financial advice and coaching. They may also be looking for life/disability/critical illness and/or group/individual health insurance benefits.

Free 30-minute consultation to assess whether we are the right fit for one another. If I can't help lower your fees, or help you reach your objectives in a cost-efficient manner, I will recommend a better-suited alternative. Your best interests are our best interests. That's Novel.

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Divorcing women looking to restore confidence and direction in their personal and financial life.

Services are ideal for early to mid-career individuals and families across Canada. Free initial consultation call followed by an individual discussion or ongoing calls depending on the services to be provided.

Complimentary initial meeting to discuss the client's financial situation and determine how we are able to address the client's needs.

Typical clients include:
- Clients transitioning between employers/careers
- Clients preparing for retirement (1.5 - 2 years from retirement)
- Professionals (engineers, lawyers, business executives)
- Entrepreneurs
- Retirees

My typical client will be seeking an independent opinion, a better understanding of their financial situation, efficiency and simplification in their investments and a holistic approach to financial planning which would include emotional, psychological and individual lifestyle preferences.

I'm happy to work with any client (large or small) who is committed to an evidence based investment approach. In simple terms, a disciplined buy and hold approach using broadly diversified low cost ETF's (Exchange Traded Funds) and/or indexed mutual funds. No active management, no hedge funds, no private equity, no "alternative" investments.

We work with clients of all ages. We work with clients who are employees as well as those who have corporations and more complex situations. Most of our clients live in Ontario, but we work with many people across the country as well as expatriates with Canadian ties. The ideal client is someone looking for objective and comprehensive financial advice.

Working professionals, Busy families, Pre Retirees.

We typically work with clients near retirement or having already retired. They are facing many decisions such as pension options, how to manage cash flow in retirement, how to draw income, when to take CPP and OAS, to know if they will be ok to live the lifestyle they imagine in retirement without running out of money.

We work very well with entrepreneurs and professionals

I work with clients across Canada exclusively online via phone and online meeting tools. Meetings are 1 to 2 hours to allow for an in-depth discussion of relevant issues.

My clients are typically:
- professionals who earn a good income, but have many demands on that income and their time and need to be efficient with both
- not necessarily high-net worth, and know they could and should be doing better at saving and investing but need help getting there
- undergoing a significant life transition and need guidance to find a "new normal"
- getting their finances organized for the first time and just don't know where to start

We work with professionals and their families to help them organize their finances to achieve what they desire in life. We offer complimentary initial consultations which typically lead to a proposal. Once we agree to work together we spend more time to chart a plan for working together to achieve exactly what the client wants/needs.

We spend a lot of time to get to know our clients and their needs. Every solution is unique....no cookie cutter plans. Our client service program differentiates us.

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Retiring or retired

First hour consultation is complementary.
I prefer face-to-face meetings in order to get to know clients and establish a long-term relationship.
Typical issues raised are:
I need a sober second look at my financial situation
Am I on schedule to retire ?
Will I have enough to retire on ?
How can I pay for everything ?!

I enjoy working with families, and those clients that are very close to retirement and want a retirement income plan.

I provide an introductory session for free before a full plan or a one off special need. My focus is estate issues, especially assisting executors settle estates. I also offer digital solutions, send a personal financial review and documents by secure email, I will send back recommendations and a road map, and provide follow up coaching.

We typically work with singles or couples approaching, or early into,
retirement, who want to be sure that they are making wise choices
regarding CPP, OAS, investing, tax minimization, and estate preparation.

No-charge, no obligation, 45-60 minute initial consultation.

Engagements typically last three to four months with three meetings, each lasting 90 minutes to two hours.

I specialize in financial planning for business owners. Our other financial planners specialize in other areas. Best to visit our website or call to book an information session call to find out more.

Our clients are typically business owners and/or people with dual citizenship or residency. We also work with those who are considering retirement, and in retirement.

Meetings are held in person or by telephone/video conference. Our process is built around client needs but usually follows this pattern:

Discovery Meeting: No Charge
Proposal, Estimate & Engagement Letter
Plan Presentation Meeting
Quarterly Meetings
Ongoing email and phone support for 1 year
Annual Update & Re-Engagement

We work with clients who are interested in increasing their financial literacy and taking control of their financial decision-making.

We work with clients of all ages, but specialize in retirement planning.

No specific target client

Initial complementary meeting to discuss the needs and fit. Then project-based engagement.

Typical clients include: entrepreneurs, owner-run businesses looking to grow, young couples combining finances, couples accumulating wealth after their children leave the home, and retirees.

Clients also include workshop participants. Michael is an active guest speaker, sharing on personal finances, income taxes, insurance, savings and retirement planning, end of life planning, and financial products to people of all ages.

An introductory meeting allows both client and DDC to evaluate the need for our services. We have no minimum net worth or investment portfolio restrictions. Letter of engagement lays out the project and estimated cost. Client provides data, we review and analyse. Interim report and discussion helps focus final report that will have action steps and time lines to be followed.

People looking to retire in then next 10 years and those that need to maximize their retirement income.

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Successful business professionals and their families

The majority of the work I do is centered around retirement. A lot of clients wish to know how much income they can expect based on the resources they have. In addition, they want to know the most tax effective way of creating a retirement income that will last their lifetime. Other clients want to know how well prepared they are for retirement and what changes, if any, are required for them to retire comfortably.

I have a passion for personal finance and like working with people who are of all ages and stages of life. I offer hour 60-90 minute meetings to point people in the right direction, give them tips on how to optimize what they are currently doing, or provide an education on financial topics of interest and relevance (this requires you to send me info in advance so I know your situation before we meet). I prepare comprehensive financial plans for people who want to get serious about a plan for the future or really drill into the specifics on their trajectory forward. My ongoing clients typically have investment assets that exceed $1,000,000.

I meet either in person or virtually depending on the clients location. I offer a free 30 minute consultation where the clients and I figure out if we are a good fit for each other. At that time I can provide an estimate of the amount of time their plan will take and the estimated cost.

Client transitioning into retirement

Retirees; pre-retirees; millenials

We have developed three client profiles, of which we work best with. Details can be found on our website.

The first meeting is about an hour long and at my expense. I typically work with business owners, professionals, people who have retired or are close to retirement.

I work with individuals and couples from every demographic (those just starting their careers to well into retirement, from highly indebted to very wealthy)

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Accomplished Chartered Accountant and Chartered Business Advisor working with clients in business valuations and financial advisory services. Fee based financial advice and investment strategies, portfolio reviews and tax planning.

We typically add the most value to clients with more complex wealth management requirements. Corporate reorganizations, Individual Pension Plans, estate freezes, estate planning, business succession planning.

Over 26 years, we have worked with Canadian and US citizens who are either retired or close to retirement. Our team builds investment and wealth plans and structures their futures. We are full service. We enable clients to have the safety and income needed to maintain their lifestyle and/or move to the next step.

Executives and Business owners with $100,000 and up in cash and/or investments

Are we on track? Can we really retire and maintain our standard of living? A general feeling of unease about our situation. Dissatisfied, suspicious of sales people who may have a hidden agenda. What could we do better? What don’t we know?

A long, jargon-filled plan doesn’t hep people get where they want to be or change behaviours. My time tested and proven process provides a framework for success so you feel in control.

Ideal client is looking for options, honest answers, education. Whether it’s the edited explanation or in-depth detail, most require a co-pilot to bounce ideas off.

The typical client engagement is 4-6 months and is a coaching relationship so that motivated individuals can make positive financial changes going forward.

We work with professionals and their families to help them organize their finances to achieve what they desire in life. We offer complimentary initial consultations which typically lead to a proposal. Once we agree to work together we spend more time to chart a plan for working together to achieve exactly what the client wants/needs.

I offer a 30 minute complimentary consultation to determine what the client is looking for and whether the services I offer can help achieve their goals. I work with clients who make a good income but can't seem to get out the debt cycle. Once the clients has moved out of that cycle, we work to create and implement a financial plan.

I work with couples, professionals and business owners who are looking for unbiased advice regarding cashflow, investments, transition and retirement planning. Generally an engagement consists of:
-a brief introductory telephone conversation
-a complimentary consultation to outline the engagement
-up to 4 meetings over 4 months to create a comprehensive financial plan
Clients may chose to follow up an engagement with ongoing meetings for implementation and updates

A client engagement is typically 4-6 months. I work with cash flow clients those looking for help with debt or finding savings and I work with clients looking for an unbiased review of their finances and recommending changes in order to meet their goals.

First hour free.
Initial cash flow based financial plan for all clients.

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I work with you to
1) Figure out where you are now and where you want to go
2) Develop strategies to ensure you get there
3) Figure out what resources you need to get there
4) Make sure you are ready to move forward

Clients approaching retirement or starting the transition to decumulation.
Three to four face-to-face meetings, preferably with spouse involved.

Our clients are successful executives, entrepreneurs and their families. Our financial planning approach helps clients feel more relaxed and confident about their future by focussing first on the life they really want and by helping them avoid The Money Focus Trap.

Through a combination of standard financial planning processes and advanced life planning and coaching exercises, clients move confidently towards their financial and life goals, while enjoying their life more today.

Small business owners
Executives from large and medium corporations
Retirees

Typical client is looking for guidance either in planning matters such as estate planning, or expatriate issues or more typically, retirement planning. Have they saved enough to retire? How do they begin disbursements? What is the more tax efficient way to disburse? Are they properly diversified in their investments?

I work with individuals and couples from every demographic (just starting out to well into retirement, from highly indebted to very wealthy)

An introductory call is made to discuss client needs and potential cost (free of charge). If there is a good fit between us and the client, a face to face meeting is held to gather more detailed information.

Average client is looking for professional guidance as they transition to a do-it-yourself portfolio management approach using low cost exchange traded funds (ETF) or someone looking to get confirmation on income sustainability at retirement (retirement planning).

An introductory call is made to discuss client needs and potential cost (free of charge). If there is a good fit between us and the client, a face to face meeting is held to gather more detailed information.

Average client is looking for professional guidance as they transition to a do-it-yourself portfolio management approach using low cost exchange traded funds (ETF) or someone looking to get confirmation on income sustainability at retirement (retirement planning).

Clients of any age are welcome, but typically are seeking advice on the feasibility of retiring. They are often dissatisfied with conventional planning involving mutual funds; some have pension plans. First 30 minutes are complimentary, and focus on data gathering, determining services requested, overview of documents, and estimation of time and cost involved. If the client(s) wish to proceed, more detailed discussion of background knowledge and risk tolerance will follow. After analysis, a written report will be generated with detailed suggestions, including options for reinvestment of assets and, usually, projected retirement income.

Looking for motivated individuals focused on achieving their personal and financial goals.

Household financial planning, divorce planning, self-employed, retirement

We have a 2-meeting process starting with a Discovery meeting to fully understand individual goals & objectives, followed by a Plan Presentation meeting where we review and discuss your plan in detail. We provide you with specific recommendations and an Action Checklist that keeps implementation on track.

Our clients include employees, retirees, business owners and professionals of all ages. Our best clients are people who are motivated to take charge of their financial future and looking for expert advice to make sure they are on the right track and not missing any opportunities.

We have a 2-meeting process starting with a Discovery meeting to fully understand individual goals & objectives, followed by a Plan Presentation meeting where we review and discuss your plan in detail. We provide you with specific recommendations and an Action Checklist that keeps implementation on track.

Our clients include employees, retirees, business owners and professionals of all ages. Our best clients are people who are motivated to take charge of their financial future and looking for expert advice to make sure they are on the right track and not missing any opportunities.

On-going relationship with business owners and professionals. Provide comprehensive financial planning and investment management, including income tax preparation.

Since I provide income tax preparation services to my clients, my financial planning services are often an extension of this service based on discussions I have with my clients in gathering the information required to prepare their tax returns.

I provide fee only, unbiased comprehensive financial planning advice. I do not sell any products and do not receive any referral fees. In this way, my advice remains 100% unbiased and am able to put my clients best interests forward. I work with single people, couples, seniors and families at all planning stages. I empower them with the advice and tools they need to take control of their financial lives.

Typically people who seek me out are in their 30s and just realizing they need to start thinking about their retirement plan and how to pay for their kids' education. Other new clients are just about to or recently retired. An initial 30 minute Zoom call is free and open to anyone (and I'm committed to making it worth your time) and from there we can decide if and how to move forward.

30 minute free initial consultation. Target clients are young professionals and families.

3 to 4 meetings online, over the phone or in person over 90 days. We are looking for clients who are engaged in their finances and want to take control. The ideal client is affluent families, business owners or professionals.

Typical first meeting with client is to discuss their Financial Planning requirements and determine if the services I offer are a good fit. If it is decided that we are to move forward I give the client a Letter of Engagement which outlines which services I will be providing and an estimate of costs. In some cases I answer client questions and follow up with supplemental materials and charge only for my time. When a written plan is required I collect the required documentation from the client and arrange a meeting to go over the resulting plan. I provide access for follow up questions etc by phone/email for no extra charge.

Complimentary initial meeting to discuss the client's financial situation and determine how we are able to address the client's needs.

Typical clients include:
- Clients transitioning between employers/careers
- Clients preparing for retirement (15-2 years from retirement)
- Professionals (engineers, lawyers, business executives)
- Entrepreneurs
- Retirees

We see the same concerns from people who come to us for financial coaching: they are interested in starting a family and want to get their financial situation in order, they feel like no matter what they do, unsure of what their retirement might look like, they can’t get ahead, or the bills keep adding up along with the stress. Finovo helps by making sure people have clear goals and start gaining momentum to build healthy financial habits.

Since we charge hourly, it doesn't matter if your net worth is ten thousand or ten million. Plan on an intial meeting of about $500+tax, tax deductible. That may suffice or you may wish to get into greater detail.

I work with my clients over a minimum 4 month time period and teach them how to use their money to create the life they want.

Once I have developed an action plan that will allow them to achieve their goals, we work together to implement the plan and make adjustments as needed.

All meetings are completed virtually, so we can meet whenever and wherever works best. Plus, this makes pants optional!

For more info, please see here: https://newgrowthplanning.com/what-to-expect/

My clients often come to me with a specific financial concern. They may be thinking about retirement or are retired. They may have terminated employment or separated from their spouse, or they may be thinking about such a step. They may have cash flow issues. Often, there are pension related questions. Should I take the commuted value from my company pension plan? When should I retire? When should I start my CPP or OAS? Unbiased advice, and my sole focus is their best interest and I will help them make fully informed decisions.

Our clients are successful executives, entrepreneurs and their families. Our financial planning approach helps clients feel more relaxed and confident about their future by focusing first on the life they really want and by helping them avoid the Money Focus Trap. Through a combination of standard financial planning processes and advanced life planning and coaching exercises, clients move confidently towards their financial and life goals, while enjoying their life more today.

Our target client are individuals who value professional advice and are willing to focus on long term plans verses short term payoffs. Clients may have a relationship with an existing advisor but they want a second opinion or they are not receiving independent financial advice.

We can also offer financial advice to support clients who want to manager their own investment accounts.

Typical meeting: varies depending on scope of engagement.

Typical client: business owners, professionals and retirees

Will work with any age clients, and currently have clients from 30 - 70 years of age. The initial meeting will discuss their current situation and their goals. If there is a fit, we will start gathering information, and in a 3-6 month period develop a life-long comprehensive financial plan.

We typically do planning for business owners, professionals, and retirees.

Planning engagements usually involve at least three meetings after we have agreed to work together. The first meeting is the Discovery where we gather the information on your goals and current situation. The next meeting is the Data Review where we go over the plan on a high level and agree to the assumptions. The third meeting is the plan presentation where we go over the plan and implementation/action plan in detail. There could be more meetings depending on the complexity of the case and the agreement with the client.

Our clients are successful executives, entrepreneurs and their families. Our financial planning approach helps clients feel more relaxed and confident about their future by focussing first on the life they really want and by helping them avoid The Money Focus Trap.

Through a combination of standard financial planning processes and advanced life planning and coaching exercises, clients move confidently towards their financial and life goals, while enjoying their life more today.

Investments are more than the black and white analysis. That's why I created a plan + systems to provide the assurance that the rental was a smart choice. I work with other rental property owners answering their specific questions [sometimes answering questions they didn't know they had], assessing their unique situations + creating custom roadmaps for them to follow to continue to make smart investments.

Engagement: 1 hour in-person or phone discovery interview, analyses and then a virtual presentation (via a secure, time-limited web access to my office). First engagement usually requires 8 - 10 hours of work in total. Then annual follow ups of 1 - 3 hours.
Clients who are high net-worth who can afford everything are already well-served. My target market is clients who are having trouble prioritizing their strategies.

Two 90 minute in person/video conference (if preferred) meetings.
Average client is a couple between ages 49-59. $350,000 combined in investment assets. Usually one employed or stay at home parent one self-employed business owner.

We meet in person or virually with our clients, whichever they prefer. Typically we will get a new client to complete an online questionnaire ahead of our first meeting so we can maximize the value and ensure the client comes prepared.

We work with young professionals 35 and under who are looking to improve their financial lives with a bit of help.

Our typical clients are professionals in their 30’s, 40’s and early 50’s who want to improve their personal finances and/or take their finances to the next level. We work entirely online, via phone and video chat. Clients start with a simple discovery survey and then book a free discovery session with a fee-for-service financial planner to see if we’re a good fit. We meet with Coaching & Advice clients every 6-12 weeks via phone and meet with Financial Planning clients 3-4 times during the planning process.

Clients typically have money to invest and want to avoid unethical companies including (but not limited to) tobacco, military, fossil fuels, etc.

Additionally, we'll look at investments in positive sectors like renewable energy, water, community bonds, and microfinance.

Clients learn about ETFs, and choose funds that match their unique financial AND sustainability goals.

Clients with 'trusted advisors' but who want an independent opinion. I conduct Advisor Audits and Portfolio Risk Evaluations. I've been known to help many couples in their 30s but not limited to that.

Typical meetings with clients vary, from those who are looking for a general overview of their financial picture and want to establish investing objectives, to those who need a comprehensive and detailed financial plan.

Additionally, we can help individuals who are looking for support with their DIY investments

Retirement Planning; Financial Planning through life transitions

Provide unbiased support for financial decision making as I don't sell products; assist clients with achieving their vision for the future through goal setting, cash flow review and management, and financial projections for the future i.e. throughout their lifetime

Initial phone consultation, offline collaborative information gathering, and then a longer live financial planning session. Follow ups as necessary.

We have a strict Ideal Client profile of the client we serve best. Our initial discussions determine if we would be a good fit in working together.

In our first meeting, you experience our client-centered process through the creation of your own Financial Road Map at no charge or obligation. The purpose of creating your Financial Road Map is to help you design your Ideal Life Vision and help you integrate your goals, values, and finances. We meet with our clients every 4 months to measure progress and make course corrections where needed to stay on track.

My typical clients are high income earners (professionals, physicians, dentists, academics, business owners or self-employed). I work with individuals and couples.

In the first meeting, we will essentially plan your life. It will be relatively long, say 4-5 hours, but you will find it interesting. It’s not a lot of finance – it’s about your life. We work out a first draft of how to achieve your life goals.

We are a 100% unbiased advice-only firm - we do not sell any products or receive any referral fees. We work with all kinds of clients from those just starting out their careers to those planning for retirement. We will help assess what type of meeting is right for your needs, and have you send in any required info in advance of your session. When you come in to meet with your planner, we will have already gone over your file and can focus your meeting time on tackling the issues and questions that are most important to you!

We are a 100% unbiased advice-only firm - we do not sell any products or receive any referral fees. We work with all kinds of clients from those just starting out their careers to those planning for retirement. We will help assess what type of meeting is right for your needs, and have you send in any required info in advance of your session. When you come in to meet with your planner, we will have already gone over your file and can focus your meeting time on tackling the issues and questions that are most important to you!

Through financial planning and coaching, I empower people who are in transition; who are choosing or dealing with a change in their life's path. Examples of changes are retirement, divorce, job loss or career change, loss of a partner, exit from a business.

I spent the first 8 years of my career working with HNW Canadians and the most recent 3.5 years working with Canadians and Americans that have Canada-US cross-border tax and investment issues.

First meeting is complimentary. Letter of engagement used to outline scope of work and fees charged. Enjoy working with female clients

Our target clients are young professionals looking to plan their financial future, and pre-retirees looking to plan out their transition into retirement. We typically begin with a complimentary first meeting to see if there's a fit. We then send a detailed questionnaire to allow us to delve deeper into a client's finances. Meetings and written reports follow as appropriate.

I work with clients of all ages across Canada who are looking for unbiased, objective financial advice. Prospective clients contact me through my website or via email and we set up a free discovery call to determine goals and objectives. Continued correspondence is done via phone call, email, or video call to best suit the client's preference.

Clients complete a detailed financial planning questionnaire to help me understand their current financial situation and future goals. From there I'll build a comprehensive financial plan, detailed cash flow summary, and retirement projection, and also share my recommendations and observations.

Provision of a comprehensive financial plan followed by up to 5 hours of coaching to support implementation; recommend annual followup. Welcome clients who are employed and seeking foundational financial guidance.

Free initial consult:
Meeting #1 - review client situation
Meeting #2 - review proposed action plan and fees involved if you'd like to proceed

Working together:
Annual retainer means open-door policy and meetings throughout the year.

Target clients:
- Business Owners
- Millennials high earners but not rich yet
- Folks nearing retirement

Professionals/business owners

First meeting is complimentary. Letter of engagement used to outline work and fees charged. Enjoy working with female clients, caregivers, those in transition. Available via phone, online or in person meetings

First meeting is $100 but includes a tax return preparation and filing for that year. This is included whether you choose to work with me or not, so there's value in meeting even if just initially.

I primarily work with business owners and professionals but also do work for clients outside of those groups. If it's an assets under management arrangement, the investment account minimum is $100k.

Families, especially those with complex financial situations, Professionals, Business Owners before / during Retirement with high tax liabilities.

Comprehensive planning which includes 3-4 coaching sessions 90 minutes in length either online or in person and an actionable financial plan.
Investment planning which includes an hour individualized coaching session and completed actionable investment plan.

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The first 4 sessions are used to help clients build a comprehensive life plan outlining what they want to do, when they want to do it and how big they plan to do it. Based upon the ability to now fully understand how much money is needed and when it is required a funding "recipe" for future cash flow is created. The goal of this retirement income plan is to optimize future income streams and minimize taxation over the balance of one's life.

Initial Consultation is free, subsequent consultations/planning based on agreed upon fee in engagement letter

I work with individuals and couples looking for fee only, unbiased financial advice

At Forest Financial Planning, we equip you with an actionable plan. Your financial plan will be tailored to your situation, and presented in a well detailed yet clear manner. Our goal is to empower you with the knowledge to implement your tailored financial plan with confidence. Throughout your experience with Forest Financial Planning, we will always put a focus on financial education. Whether you are looking to get started on the right foot, or need help to make the best of your complex financial situation, we can help. We make advice available to everyone!

We provide comprehensive financial planning services and investment management to physicians and their families at all stages of life and career.

For a retirement plan I usually deal with individuals or couples over 40. First meeting is getting to know a client's current situation and goals and I do a walk through with a sample retirement plan. Meetings are very interactive whereby the client and myself will modify numbers and re-run projections and show differences in real time. This make's the client feel more engaged in the process and usually reveals interest in another set of goals. All options are explored together.

Seek to help clients with their immediate financial questions and needs using education and helping with possible solutions. Ideal clients are younger clients that are seeking help setting up their finances properly for the future.