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FINANCIAL ADVISORY — FEES
CLEAR PRICING, AGREED BEFORE WE BEGIN.
Every engagement starts with a scope conversation, and every fee is confirmed in writing before any work begins. No surprises, no hidden structure — just a straightforward understanding of the work involved and what it will cost.
Ten points. One standard.
Lead with Integrity
Build with Purpose
Deliver With Excellence
THE RIGHT SCOPE FOR THE DECISION
The right advice starts with understanding what the decision actually requires.
Not every financial question requires a comprehensive plan. Some decisions call for focused expertise; others require a deeper analysis across multiple areas of your financial life.
Our fees reflect the scope, complexity, expertise, and level of involvement required — so you engage the right level of advice for the decision in front of you.
What level of expertise does your situation require — and are you paying for work that actually moves the decision forward?
PROJECT-BASED SERVICES
Focused engagements, priced upfront.
Each service below reflects a starting fee. The final scope and fee are confirmed once we understand your circumstances, objectives, complexity, and the work required.
ADVANCED TAX & ESTATE PLANNING
From $4,000
“What does this decision require us to understand before the right strategy can be defined?”
Personal and business tax structuring, succession, and estate-transfer strategy — coordinated with your legal and tax advisors where specialized advice is required.
COMPRENHENSIVE FINACIAL PLANNING
“How much of your financial picture needs to be understood before you can make the decision with confidence?”
A comprehensive written financial plan examining the interconnected areas relevant to your circumstances and priorities.
RETIREMENT PLANNING
From $2,500
“What needs to be considered before a retirement decision becomes a retirement strategy?”
A retirement income strategy considering the timing and coordination of CPP, OAS, pensions, registered and non-registered assets, taxation, and withdrawals.
INVESTMENT AND PORTFOLIO REVEIEW
Portfolio Based
“Is the value of a portfolio review in the analysis itself — or in the decisions it helps you make?”
An independent review of portfolio structure, costs, risk, alignment, and broader financial context — with the fee confirmed once the scope and complexity of the portfolio are understood.
“Not every important decision needs a full engagement. Sometimes, the right conversation is the one that helps you see the decision differently.”
Hourly Consultation
For a specific question, a second opinion, or focused strategic support.
$250 – $750 / hour
For focused advisory support, executive counsel, targeted analysis, or defined areas of expertise, depending on the nature of the assignment, expertise required, and level of senior involvement.
No retainer or minimum hours required.
HOW WE ARE COMPENSATED
Different services. Different compensation structures. Clear disclosure.
Insurance
Compensation for insurance products is generally paid by the applicable insurance carrier through the relevant distribution arrangement. Applicable compensation, provider, and conflict-of-interest disclosures are provided as required.
Wealth & Investment Management
Fees and compensation for investment services depend on the services provided and the investment arrangement selected. Applicable fees, charges, and compensation are disclosed through the relevant dealer and account documentation.
Financial Planning & Advisory Services
Fees for financial planning and advisory services are established based on the scope of the engagement, services provided, complexity, and level of involvement. The applicable fee structure and required disclosures are discussed and confirmed before the engagement begins.
COMMON QUESTIONS
About Our Fees
Do you charge for the first conversation?
No. The initial conversation is complimentary. It gives us an opportunity to understand what you are trying to accomplish, determine whether our expertise is relevant, and identify the appropriate scope before any fee is discussed.
Is our engagement kept confidential?
Yes. Every engagement across both practices is confidential by default, with an NDA available where appropriate. Discretion is a standard part of how we work.
Do you offer fixed packages, or is pricing customized?
Pricing is based on the scope of the engagement rather than an off-the-shelf package. We define the work required, the level of expertise involved, and the expected deliverables before confirming the fee.
What if the scope changes after we begin?
If a material change in circumstances or scope affects the work required, we discuss the implications with you before proceeding with additional work. There are no unexpected scope changes added to the invoice without discussion.
How do I know whether I need Management Consulting, Financial Advisory, or both?
The initial conversation helps clarify that. We distinguish the scope and fee for each practice clearly. Where an issue genuinely benefits from both perspectives, we explain how the two engagements relate and what each is intended to accomplish.
Are financial advisory fees separate from investment or insurance compensation?
Where multiple forms of compensation apply, we explain the applicable structure before the engagement or transaction proceeds. The relevant fees, compensation, and required disclosures are provided through the applicable engagement, dealer, or product documentation.
Can I start with one service and add others later?
Yes. An engagement can begin with a focused need and evolve as your circumstances or priorities change. Any additional service or scope is discussed and agreed separately before proceeding.
Is there a minimum size of engagement?
There is no stated minimum based solely on asset size or net worth. We look at fit, the nature of the need, and whether our expertise and level of involvement are appropriate for the situation.
Not sure which service fits your situation?
Every relationship is led personally, with a team dedicated exclusively to the Practice Stream.