Our Approach

As Financial Planners, our role is not just to help grow your wealth — but to protect it, structure it wisely, and ensure it supports you and your family for years to come. As fiduciaries, our responsibility is to address any gaps you may have and recommendations that have your best interest in mind.

Comprehensive financial planning begins by addressing the three fundamental risks each of us faces — passing away prematurely, experiencing a serious illness or injury, and living longer than our money does. These three basic areas need to be addressed as part of every financial plan or the plan can fail.

That’s why our approach begins with building a strong foundation.

We design personalized investment and insurance strategies aligned with your goals, values, and lifestyle. Our advice is thoughtful, objective, and tailored specifically to your situation — not driven by products, but by planning.

We also believe that clarity creates confidence. Financial decisions can feel complex, but they don’t have to be confusing. By educating you throughout the process and clearly explaining your options, we help you fully understand your current position and the strategies available to you. When you understand the reasoning behind each recommendation, you’re empowered to make informed decisions with confidence.

Our Process

Get to Know You

Analysis

Plan Construction
& Implementation

Ongoing Guidance

A relaxed first meeting to get to know each other, understand your current situation, and clarify your goals. If we’re aligned, we move forward together.

We review your full financial picture, including net worth, cash flow, assets, and debts. We discuss your short- and long-term goals—such as buying a home, education funding, or retirement—and identify opportunities to improve savings, minimizing taxes and maximizing growth of assets.

We design and implement a personalized, tax-efficient financial plan. This includes a customized portfolio designed based on your comfort level for risk and goals going forward. The plan will also include analysis of many other areas such as insurance safety nets, taxes, retirement and estate planning to name a few.

We provide ongoing guidance meeting at minimum annually to review our progress and changes in your life.

Are There Upfront Fees?

Our practice works on a fee for planning/discretionary manager platform. We do not place clients in high-fee investments. Clients are invested in cost-efficient solutions that we ourselves invest in.

What is Fee-For-Planning?

Our investible asset minimum is $500,000.

We charge a flat fee on the portfolio assets annually.

Our fee bands per household are:

$500,000 - $1,000,000
$1,000,000 - $2,500,000
$2,500,000 - $5,000,000
$5,000,000 - $10,000,000
$10,000,000+

(1.10%)

(0.95%)

(0.80%)

(0.65%)

(0.50%)

NOTE: all family members can be on this platform together. For example if husband/wife have assets of $900,000 and have two children with $75,000 also invested with us they can be on the same fee schedule. This benefits both parties as the fee would be for the over $1m threshold.

This model allows for greater transparency by helping clients understand how our firm is compensated—something many Canadians are often unaware of.

Note on non-registered accounts this fee can be deducted for income tax purposes. Investment products are provided by Aligned Capital Partners Inc. ACPI is a member of the Canadian Investor Protection Fund (www.CIPF.ca) and the Investment Industry Regulatory Organization of Canada (www.IIROC.ca). For more information, please visit www.alignedcapitalpartners.com