There is no one-size-fits-all when it comes to financial planning.
The Pathway process is strategic, customized to your situation, and always based in the math.
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“Chad was able to take all our financial information, and generate a financial retirement plan, and then stress test the plan which gave us confidence that we will be able to retire later this year. Thanks Chad!”
Financial Planning Services for Canadians
Comprehensive Financial Planning
Comprehensive Planning is an ongoing planning partnership. We offer all the same initial services as our Fee-For-Service model, along with the added benefits of ongoing support and implementation of the strategies discussed, and high quality portfolio management services with low fees.
Comprehensive Planning is ideal for those who want to have an ongoing relationship with a trusted financial resource and professional portfolio manager.
Fees are based on a sliding scale, which means you will pay a smaller percentage the more you have invested.
From $0-$250,000: 1.65%
Above $250,000: as low as 0.6%
Exact fees will be reviewed in our discover meeting.
Fee for Service Financial Planning
Fee for Service Planning is a 3 meeting package. We start with a thorough review of your financial situation, your long term, and retirement goals. You then receive my projections within your full plan, along with a written assessment with rationale for all recommendations, followed by a wrap up meeting.
Fee for Services is great for DIY investors, those who are not yet ready to move their investments to a new portfolio manager, or someone looking for validation of the plan they currently have.
$2500
YouTube
Free informational videos on an array of financial planning topics. Our #1 goal is to improve the financial lives of as many Canadians as possible. Our YouTube channel is just one way that we can do this.
This content is in-depth but not personalized, and is geared towards people who are interested in learning more about how they can build their financial future.
New informational videos are posted weekly — all free!
It’s free to subscribe, but make sure you say ‘hi’ when you do :)
FAQs
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If you watch my Youtube channel, you’ll know what I WANT to say here. I am a huge fan of a CPP delay to 70, however, every case is different so while I prefer to see CPP starting at 70, I often recommend other ages as well. This is going to vary person by person.
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‘Traditional wisdom’ has always said you need $1 million to retire comfortably in Canada. For many people, I still agree with this, however, for many they do not need anywhere near a million. Depending on spending habits, I’ve had clients who are able to retire comfortably with much less than a million, and others who need much more. Once again, every case is different.
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The worst part of any financial planner's job is to tell someone knocking on retirement's door that they are not financially ready. I would recommend sitting with a professional at least 5 years out from your goal retirement date. This will give you time to adjust your plan if needed, or possibly move the retirement goal posts closer if possible.
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Where to withdraw first is not as easy as ‘where to withdraw from last?’ (which is always the TFSA). But first? Depending on your situation, this could be your non-registered accounts or your RRSPs. Building your retirement income pay cheque starts with stable, boring incomes like CPP, OAS, and pensions, and then building from there.