Some clients want the full plan. Some want investment guidance on its own. Some come to us for insurance. Each path has its own clear process - no jargon, no complexity, no pressure.
Investment guidance and insurance each stand on their own - no financial plan required. Planning is the comprehensive path, and it always includes implementation.
Standalone. For clients who want their investments guided and serviced, without a full financial plan.
The comprehensive path: a full financial plan driving every investment, insurance, and tax decision, then implemented and kept alive with you.
The financial planning page walks this path in detail.
Explore Financial PlanningStandalone. Protection for the life you've built, with a process that puts the recommendation before the sale.
We're not compensated until your coverage is approved and in force.
Explore Insurance SolutionsSame information for each, so you can see which one fits before you book anything.
| Investment Guidance | Planning + Implementation | Insurance Solutions | |
|---|---|---|---|
| Available on its own | Yes | No. Planning always includes implementation | Yes |
| What you get | Recommendations, accounts set up, and reviews on a set schedule | Your DesignWealth Strategy covering income, tax, debt, investments, insurance and estate, then implemented with you | A needs assessment, a recommendation, and coverage applied for and put in force |
| What it costs | About 1% a year on invested assets, plus GST, as a fee-based account charge | 1.25% of household income, roughly $840 to $3,000 a year, reduced by tenure or assets. Investment costs are separate | Nothing billed to you. The insurer pays commission once coverage is in force |
| How often we meet | A formal review every two years, with a check-in between | Twice a year minimum. Spring Surge in May, Fall Surge in November | Reviewed after the life events that change the answer |
| Best if | You want your investments handled without a full plan | You want one plan driving every decision, and someone to keep it alive | You want the right coverage without being sold something |
| Where to next | Investment Guidance | Financial Planning | Insurance Solutions |
Every figure above is set out in full on the pricing page, including the fund costs that sit underneath the investment fee.
Gold standard in financial planning: rigorous education, exam, and ethical standards.
Registered with Canada's Investment Regulatory Organization for your protection.
Planning, investments, and insurance coordinated together - so every part of your financial life works in harmony.
Decades of helping Canadians build wealth across every market condition.
Your one-hour discovery conversation is complimentary, confidential, and zero-obligation. Let's talk about where you are and where you want to be.
