Autonomy
Financial Planning
Six key areas of a financial plan.
One common goal... Autonomy.
FINANCIAL
MANAGEMENT
This is our initial phase. Who are you? What are your goals? What is your income? What are your expenses?
​
Where are you now and where do you want to be?
ASSET
MANAGEMENT
We will manage your investments, if desired. This is where the portfolio recommendations come, the breakdown of which investment accounts you have, which accounts we should save to, draw from, transfer, consolidate. How much money should you have in the stock market versus the bond market.
​
What should you be invested in, and why?
RISK
MANAGEMENT
Everybody has risks. Some are avoidable, some are not. Our job is to analyze your risks to see which ones we can avoid and how. We then look at the risks you cannot avoid to understand how to prepare for them. We offer life, disability and critical illness insurance to mitigate clients risks. Your other risks may include the risk of running out of money, the risk of not buying a house, or the risk of not doing the things you love.
​
We can't avoid all risks, so how can we manage them?
RETIREMENT PLANNING
You have spent years saving for retirement because you have always been told "that's what you need to do". But have you seen the reason why? Through our planning software, we will model your current and future spending and investments to figure out the magic number. When can I retire and how much after-tax monthly income will I be able to retire on?
​
You have saved for retirement, but when can you actually retire?
TAX
PLANNING
Every step of the way, we must be mindful of the tax implications. We do not provide tax filing services, however we can plan our strategies around what is most tax efficient not only for this year, but for your lifetime. It is one thing to save on taxes today, it is another to save on taxes over your lifetime.
​
You work hard for your money, how can we keep as much of that as possible?
ESTATE
PLANNING
You will either spend it or give it away. You cannot take your wealth with you. Estate planning is about "dying neatly". So you want to give money to charity? Let's figure out how best to structure that gift. You have a child with a disability who needs support? How will you organize your affairs to help them when you are gone?
Estates are stressful to begin with, do you want to make things a little cleaner?
Let's talk about fees.
There are two main ways we charge clients:
​
-
As a percentage of your investable assets. This option is suitable if we are managing your assets.
-
As a pre-determined price based on the complexity of your scenario. This option is most suitable if we are not managing your assets.
​
For more details, please contact us.