A plan only changes anything if somebody puts it into practice and keeps it alive when your situation shifts. That is why planning at DesignWealth always comes with implementation. We build the strategy, then we do the work with you, and we stay for the years afterward when it actually gets tested.
Plenty of firms will sell you a financial plan as a standalone product. You pay a fee, you get a bound report, and what happens next is entirely up to you. Most of the time, nothing happens next.
We do not offer planning that way. Your DesignWealth Strategy is attached to the investment and insurance work that puts it into effect, because a recommendation nobody acts on is not worth charging for.
If you want investment guidance on its own, or insurance on its own, both are available without a plan. What is not available is a plan with nobody to carry it out.
One fee covers the work below. There is no menu and nothing is billed separately.
The plan itself. A comprehensive strategy covering your entire financial picture, built around your situation rather than a template.
RRSP, TFSA and FHSA sequencing, registered account strategy, and deduction optimisation reviewed every year.
Our method for working through how you actually live and what you actually spend, so the plan is built on real numbers rather than a budget you will not keep.
Recommendations aligned to your goals and timeline, implemented with you rather than handed over as homework.
A prioritised approach that weighs paying down debt against building wealth, instead of assuming one always wins.
Coverage checked against what you actually need to protect, so you are not paying for protection you do not use.
Beneficiary designations and foundational estate work, coordinated with your lawyer and accountant where needed.
Semi-annual reviews plus access to your Wealth Mentor team between them, without watching a clock.
Four steps. The fourth one is where most of the value shows up, and it does not end.
One hour, complimentary, no obligation. You talk for the first forty-five minutes. We talk for the last fifteen.
We work through income, tax, debt, investments and insurance, then bring you your DesignWealth Strategy with the decisions already prioritised.
This is the step most firms leave to you. Accounts get opened, coverage gets applied for, contributions get automated.
Your situation changes. Jobs, markets, health, family. The plan adapts, and someone is there in the month it matters most.
Once your Strategy is built, you move onto our client service calendar. We meet twice a year, Spring Surge in May and Fall Surge in November, and across a repeating two-year cycle those four meetings work through every part of it. Two meetings a year is the minimum we commit to, not the limit. Nothing waits until you think to ask about it.
You join the cycle wherever it happens to be when your Strategy is finished. There is no waiting for a new year to start and nothing gets skipped, because the two-year rotation brings every item back around.
The planning fee is the only charge billed to you directly. It is based on household income from line 15,000 of your Notice of Assessment, not on how much you have saved, because the work is the same either way.
| 1 to 10 years | 1.25% |
| 11 to 15 years | 1.00% |
| 16 to 20 years | 0.75% |
| 21 to 25 years | 0.50% |
| 25+ years | 0.00% |
| Up to $500,000 | 1.25% |
| $500,000 to $850,000 | 1.00% |
| $850,000 to $1,200,000 | 0.75% |
| $1,200,000 and above | 0.00% |
Whichever reduction is more favourable to you is the one that applies. Investment and insurance costs are separate and are set out in full on the pricing page.
See the full cost breakdownIf the planning work does not deliver what we said it would, you get the planning fee back. All of it, within the first six months, no argument. It applies to planning fees only, and it exists because we would rather refund a fee than keep one we did not earn.
Student debt, a first real salary, and no idea whether you are behind. Planning here is about building the foundation in the right order.
Just Starting OutGood income, and a nagging sense it is not turning into anything. Planning here is about converting cash flow into something durable.
Earning WellThe date is close enough to be real. Planning here is about knowing what is actually possible, and when, before the decision is made for you.
Approaching RetirementOne hour, complimentary. You talk, we listen, and at the end you know whether this is a fit. Nothing is signed in that meeting.
