FINANCIAL PLANNING SERVICES
Imagine achieving clarity on every financial aspect of your life, backed by a plan that leads you to retirement while safeguarding your financial well-being. That’s what we deliver at Sensible Financial Solutions. Our services are tailored for professional women, couples and business owners who want thoughtful guidance through peak earnings and into retirement.
Below, you’ll find a list of financial planning services that help you make informed decisions, preserve wealth, and achieve your unique goals. If you’re just getting started on your financial journey, we also offer hourly money consultations to help you build a solid foundation.
COMPREHENSIVE FINANCIAL PLANNING
A clear roadmap for your financial future starts with your goals. We begin by understanding your aspirations and reviewing your current financial situation to create sensible, customized strategies that help move you from where you are to where you want to be. Our comprehensive financial planning service covers every aspect of your financial life, including cash flow and debt management, risk protection, investment review, retirement planning, tax strategies, and estate planning. It’s like assembling a puzzle where each piece represents a critical component of your financial life, where together they form a completed picture that illustrates your long-term strategy for achieving your financial objectives.
Fee: Starting at $4,500 CAD
RETIREMENT PLANNING
Not sure when you can retire or whether you’ll have enough income to last throughout retirement? At Sensible Financial Solutions, we take the guesswork out of retirement planning by having a detailed conversation about your income needs, pension options, and biggest risks in retirement, such as taxes, inflation and long term healthcare expenses. The end result is a clear picture of your personalized retirement income plan that includes tax-efficient strategies and practical advice for managing healthcare costs down the road. We provide the guidance and confidence you need to enjoy the retirement you’ve worked hard for in the community you love.
Fee: Starting at $3,000 CAD
TAX MINIMIZATION
Together we analyze your income sources, including registered and cash accounts, pension benefits, and applicable government programs like CPP and OAS. We’ll develop the best tax strategies so that you can keep more of your paycheque today and maximize your retirement income over time. We also provide guidance on wealth transfer and estate planning, so you can pass along your wealth with the least amount of taxes to the next generation.
Fee: Pricing varies depending on each individual's scope and complexity
FINANCIAL PLANNING MAINTENANCE
Comprehensive financial planning is a journey – not a destination. As your life evolves, so should your financial plan. Our financial plan maintenance package is an ongoing collaboration that gives you peace of mind and flexibility so you can focus on what is important to you and adapt to whatever life throws your way. This package includes bi-annual reviews and ongoing guidance to ensure your plan continues to align with your goals. We are here to keep you on track, whether that’s new priorities, market shifts, or major life transitions.
Fee: Starting at $2,400 CAD / year
MONEY CONSULTATION
Our professional coaching and advice helps you be prepared for life’s key milestones, whether that’s buying your first home, starting to save and invest, managing cash flow, or navigating major financial decisions. If you’re looking for a financial sounding board or a trusted partner to consult with to make informed decisions, we’re here for you.
Choose the plan that best suits your needs:
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$300 CAD / hour - Single Session
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$1,600 CAD - 6 sessions
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$2,880 CAD - 12 sessions
Pricing
Every project is assessed based on each individual plan. Below is a baseline pricing strategy for different levels of complexity:
$3,000 CAD: Includes an individual review and analysis with retirement, cashflow & debt, education planning and investment review
$4,500 CAD: Includes an individual review and analysis with more comprehensive planning requiring tax, insurance and estate planning in addition to a basic plan
$6,000 CAD: For Incorporated business owners & professionals or individuals requiring highly specialized financial planning such as philanthropic, life transition and advanced investment strategies planning
BOOK YOUR COMPLIMENTARY CONSULTATION
Ready to begin your new financial strategy? Contact us now to book your free 30 minute complimentary Consultation today!