Free 30-minute Discovery Conversation
We want to ensure this is the right process & fit.
If you agree to move forward we will schedule our first full session.
During Covid 19 we will meet via video chat or phone.
One Question. One Hour. One Clear Answer.
A single virtual session with an independent financial planner. $125 an hour, no package, and no commitment to anything afterwards.
Sometimes you don't need a financial plan. You need one straight answer from someone who isn't selling you anything.
Should I take CPP at 60 or wait until 65? Is this pension buyback worth it? What do I do with an inheritance? Pay down the mortgage or put it in the TFSA? Is this insurance policy doing anything at all?
Bring me the question. We'll spend an hour on it. You'll leave with an answer and the reasoning behind it — well enough understood that you could explain it to someone else at dinner.
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How it works
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Book an hour. Tell me the question when you book, so I can prepare before we meet.
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Send anything relevant ahead of time — a statement, a pension estimate, a policy. Optional, and useful.
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We meet online. One hour, your question, plain language, no jargon.
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You get a short written summary of what we worked out and what to do next..
What people bring to these
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CPP and OAS timing
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Pension options at retirement — take the commuted value or keep the pension
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A lump sum landing: inheritance, severance, or a house sale
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Mortgage versus investing versus paying off debt
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Whether an insurance policy is still earning its premium
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A second opinion on advice they've already been given
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One decision that's been sitting on the kitchen counter for six months
Is this the right service for you?
Book a Personal Virtual Session if:
Choose Financial Essentials instead if:
Not sure?
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You have one specific question
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You want an answer, not a relationship
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You'd rather pay for an hour than join a program
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You're comfortable meeting online
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You want a full picture of where you stand
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You're building a plan, not settling a single question
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You want ongoing check-ins and someone holding you accountable
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You want habits to change, not just one decision made
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
$125 per hour, plus GST, paid at booking. One hour, one topic, written summary included.
No packages. No follow-up sequence. If you never book again, that's a good outcome — it means you got what you came for.