Twelve Months. Twelve Sessions. One Steady Plan.

Twelve monthly sessions with an independent financial planner. $1,250 for all twelve, which is twelve sessions for the price of ten.

Some things do not get settled in a single hour. A plan you actually follow, habits that finally shift, a retirement picture that keeps moving as your life does. Those need someone in your corner month after month.

That is what this is. The same work as a Personal Virtual Session, the same plain language, and the same independence, which means nothing is being sold to you. Just steady, and booked in for the year.

Once a month we sit down together. You bring whatever is in front of you, we work it through, and you leave knowing your next step. Twelve months of that adds up to a plan you built yourself and understand well enough to keep.

How it works

Book the program. Twelve sessions, one a month, yours for the year.
Send anything relevant before each session. A statement, a pension estimate, a policy. Optional, and useful.
We meet online, once a month, in plain language with no jargon.
You get a short written summary after each session, so the plan builds as we go.

What we work through over the year

Where your money actually goes, and what to change first
Cash flow and a spending plan that survives a real month
Debt, tackled in the order that costs you least
Retirement projections, and the timing of CPP and OAS
Tax planning through the year rather than in April
Insurance and investments, reviewed only where they solve something
The habits underneath all of it, which is usually the real work

Is this the right service for you?

Choose the Money Tutor Program if:

Book a Personal Virtual Session instead if:

Not sure?

You want steady support, not a one-off answer
You are building a plan and want help sticking to it
You want someone holding you accountable month to month
You want habits to change, not just one decision made

You have one specific question
You want an answer, not a relationship
You would rather pay for an hour than commit to a year
You are comfortable meeting online

Take the free 20-minute introduction and I'll tell you which one you actually need — including if the honest answer is neither.

What it costs

$1,250 plus GST for the full twelve months. That is twelve sessions for the price of ten, so two of them are free.

Included: a session every month, a short written summary after each one, and a plan that gets revised as your year actually unfolds instead of staying the way you guessed it in January.

The real value is not the two free sessions. It is that you stop starting over.