Two paths fair, transparent

Pick the engagement that fits. A project-priced plan if you want focused advice on a specific question, or a long-term partnership where the planning is included with investment management.

Project Engagement

Fee-for-Service

Simple plan

$150 – $300

Flat fee for a focused, single-issue plan — for example, a retirement projection, a tax-strategy review, or a second opinion on an existing plan.

Complex plan (more than 3 hours)

$100/hr then $200/hr

First three hours billed at the introductory rate of $100/hr; hours beyond that billed at $200/hr. Quoted up-front, no surprises.

Best for: Discrete projects, second opinions, one-time engagements.

★ Preferred

Long-Term Partnership

Plan & Ongoing Planning

Investment clients

FREE

When you invest with the practice long-term, your initial plan — and ongoing planning as life events arise — comes included as a welcome and a thank-you.

Marriage, a new child, a property purchase, a business exit, an inheritance, a job change, a retirement on the horizon — life keeps moving. Ongoing planning means the plan moves with you, without the meter running every time something changes.

Best for: Clients building wealth over years and decades with a single point of trust.

What's included in a plan

The work of a plan

Every Maple Groove plan — whether fee-for-service or partnership-included — covers the same scope of work. The difference is the engagement model, not the depth.

Goal & cash-flow mapping — what you're saving for, when, and what the path of saving and spending looks like across the next 5 / 15 / 30 years.
Retirement modelling — projection across registered and non-registered accounts, drawdown sequencing, RRIF-conversion timing, CPP/OAS start-age analysis.
Tax-minimization strategy — registered-account ordering (TFSA / FHSA / RRSP), family income splitting where the rules permit, capital-gains timing.
Estate planning review — beneficiary alignment across accounts and insurance, will and POA gap-checking, estate-equalization considerations for blended or business-owning families.
Insurance needs analysis — life, disability, critical illness — sized to your actual obligations, not to a product quota.
Education & first-home funding — RESP optimization, FHSA strategy, Home Buyers' Plan stacking.
Business-owner planning — salary-vs-dividend optimization, HoldCo structuring, succession planning, IPP / RCA where the math supports them.
Annual review — the plan revisited at least once a year and whenever a major life event lands.
Direct access — phone, email, or video — no gatekeeper, no portal-only support.