How this works
What happens, what it costs, and what you get
Start to finish, it takes about five weeks. The fit call is free. Building your plan is paid work, and the price is published right here so you know it before you book.
The Glacier Path
See it. Plan it. Live it.
See it
We put your whole retirement on one page: every account, every income, every gap.
Plan it
I build a year-by-year plan and run it through the 57 Checks.
Live it
We move the money, start the withdrawals and fix the gaps. Together.
Step by step
What happens, in order
Start to finish, about five weeks.
- 1
Your fit call
Free30 minutes
We decide whether we are a good match. I map your situation and show you how the planning works. If I cannot help you, I say so on this call and you pay nothing.
- 2
You say yes or no
$500 depositYour call, no pressure
Yes means you sign one agreement and send the deposit, and I start working. The deposit counts toward your fee, it is not on top of it, and your exact total is in writing before any of it happens.
- 3
Goals meeting
About an hour
You talk and I take notes: when you want to retire, what you want to spend, and what actually worries you.
- 4
You check a short form
About 15 minutes
Most of it is already filled in from our meeting. You add the exact numbers and correct anything I got wrong.
- 5
I build your plan
Two to three weeks
Every year of your retirement mapped out to age 95: income, tax, withdrawal order, government benefit timing, estate.
- 6
I present your plan
BalanceAbout an hour
You see the whole plan first. Then you pay the balance. Not the other way around.
- 7
We do the plan
The weeks after
Move the accounts, start the withdrawals, fix the gaps. You get a checklist with dates and I handle the moving parts with you.
The money
What does it cost?
A flat planning fee, published here so you know it before you book. What you pay depends on how complex your situation is: one person turning a single RRSP into income is a different job from a couple with a corporation, a rental property and a pension.
- Individual
- $2,950+ HST
- Couples & households
- $3,600+ HST
- Business owners
- $5,400+ HST
One person turning savings into retirement income.
Two incomes, two lifespans, one coordinated plan.
Corporations and rental property alongside your personal plan.
Complex situations are quoted on the call. It is paid in two parts: a $500 deposit the day you say yes, then the balance after you have seen your whole plan. The deposit counts toward the fee rather than sitting on top of it, nothing is due while I am building your plan, and your total is in writing before you pay anything.
Not ready for a full plan? Start with a Plan Check, $497 + HST, credited toward the plan.
Your options
Two ways to work with me
Same plan either way. You pick the door.
Option one
Plan only
You pay the flat planning fee above once. The plan is yours to keep and yours to carry out, on your own or with whoever handles your money today.
Option two
Plan, and I manage the investments
The same plan, and I run the money alongside it for an ongoing fee you see in writing first. If you move the investments over after paying for the plan, that planning fee is credited back, so the planning ends up covered inside the management relationship either way.
The deliverable
What do you get?
Withdrawal order
Which account to pull from, each year, and how much.
Tax plan
How to pay less tax, every single year, not just this one.
CPP and OAS timing
The best age for you to start each one, on your numbers.
Estate and insurance check
What breaks if life goes wrong, and the fix.
Action checklist
Every move written down, with dates against it.
Help doing it
I make the moves with you, rather than handing you a list.
Want to see one? Read two delivered plans in full, or see the shape of a finished plan.
Is your money safe?
Your money
It stays in accounts with your name on them, held at a third-party investment dealer. Your statements come straight from them to you.
My part
I build the plan and tell the investments what to do. I cannot take or hold your money. It never passes through my hands.
How you are protected
- If I cannot help you, I say so on the fit call. You pay nothing.
- You see your exact price in writing before you pay a dollar.
- Until you have seen your whole plan, the $500 deposit is the most you can be out, and it counts toward the fee.
Start with the fit call
Thirty minutes, no obligation. You already know the price, so we spend the call on your situation and whether a plan is worth doing at all. If you are already on track, I will tell you that too.
Not ready to book? Take the 2-minute retirement quiz →
Or call me at 519-281-2735 or text 226-242-3640.