Advice-Only Financial Planning Case Studies

We provide advice-only financial planning that is focused on average Canadian households. We help you build a detailed financial plan using our innovative financial planning platform. We take care of all the detailed calculations, income tax, government benefits etc. You can build your financial plan on your own or engage with an advice-only financial planner.

There are no products, no commissions, just advice.

Case Study: Retirement Plan

Sylvia (age 55) and Martin (age 55) are planning for retirement in 5-years at age 60. They just paid off their mortgage and are wondering what to do with the extra cash flow. They have a bit of room in the RRSPs and TFSAs but after that they aren’t sure how taxable investing works.

Their two children are grown and independent, but they would like to plan for gifts worth $50,000 for each child in a few years. This could be for a home purchase or wedding in the future.

Their goal is to travel extensively in early retirement…

Case Study: Low-Income Retirement Plan

Greta (age 59) is planning for retirement in a few years at age 65. She’s accumulated a small nest egg in RRSPs and TFSAs. Her income is modest, and she expects to qualify for Guaranteed Income Supplement (GIS) in the future but calculating Guaranteed Income Supplement (GIS) feels very complex. She wants help to make sure she’s not making any mistakes that may cost her later.

Her assets include an RRSP worth $89,442, a TFSA worth $33,110, and a home worth $485,000 with a small mortgage remaining.

She wants to make the most of her savings but is unsure what to do. The rules for government benefit programs are…

Case Study: Financial Plan For New Parents And FIRE

David (age 31) and Laura (age 30) are going to be new parents very soon. They have a newborn baby on the way, and they hope to expand their family in 2-3 years with a second. They have an aggressive plan; they want to plan for parental leaves with each new baby and then financial independence by age 50.

They are high income earners in tech and sales, with a combined household income of $228,000 and growing. They like the idea of financial independence and have been working towards that goal for a few years. They’ve been saving over 50% of their income but now they wonder if they should take a bit of time off with their new family even if it means…

Case Study: Young and Ambitious

Jamie (age 25) just graduated 2-years ago. She recently got promoted and is now earning $73,000 per year. She has a good career path and expects her income to grow an average of 7% per year until age 35-40. Her goal is to be at an Account Director or maybe even VP in 10-15 years.

Jamie is focused. She wants a financial plan that is tailored to young professionals like her. She wants to feel good about her financial future. She wants to know exactly what to do each year. She has student loan debt that she would like to get rid of. She has a personal line of credit at a fairly high interest rate. She also has a bit of credit card debt from…