Turn money stress into a plan you can actually run

Advice-only planning and education for Canadians, from a CPA in Halifax. No products, no commissions, no managing your money. Advice is the whole business.

• Join the Calm Money Community

$449 for the year, or $42.99 a month plus a one-time $99 join fee. Founding members keep renewing at $299.

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Where do I fit?

Hourly is retired. Two ways to work with me one-on-one, plus the Community. These aren't three prices for the same thing. They're three different jobs. Pick the one that fits your situation, not the one that costs least. The lower tiers cost less because they do less, on purpose.

Which one sounds like you?"I have questions here and there. Where to put my money, what about this ETF, TFSA or RRSP, rent or buy." → the Community."I'm within about 10 years of retiring and I want a second set of eyes on my own numbers. CPP and OAS timing, withdrawal order, a spending plan that holds." → Plan Review on Adviice."I own a business, or my situation has layers. Executive comp, rentals, a pension election, a trust, and I want the whole thing built and my investments checked against it." → the Comprehensive Plan."I want to learn and run my own plan, but I also want you to check my retirement work." → the Community plus a Plan Review. Most people who think they need more start here.

1. The Calm Money Community. $449 for the year, or $42.99 a month plus a one-time $99 join fee.

The right home for 95% of you. It's a searchable library that keeps growing, in four lanes: Building Wealth, Retirement, Tax and Planning, and the Corporate side. Each lane opens with a free calculator you run on your own numbers. That's your starting point. The guides underneath go deeper on the pieces that matter to you. The calculator is the trunk, the guides are the branches.Dozens of guides in there already. RRSP versus TFSA, the OAS clawback, income splitting after TOSI, RESPs, rent versus buy, how to actually draw down your accounts, estate and beneficiary basics, the corporate salary-versus-dividend question. Every one pairs with a calculator or planner you keep.Monthly live Q&As where you can ask the messy version of your question. A Content Requests board, if it isn't in there yet, ask and I build it. A good chunk of the library started as one person asking.It's also where the other half of money lives. The part that isn't math.The founding window closed July 13. If you joined before then, nothing changes: you renew at $299 for as long as you stay. That was the deal, and it holds.

• Join annual, $449 a year
• Join monthly, $42.99 a month

2. Plan Review on Adviice. $1,500 + HST.

This is the DIY tier. You build your own retirement plan in Adviice, the same software I use. All of it: your income, your accounts, your spending. I don't touch the data entry. That's the reason it costs $1,500 and not $4,000.Then I review what you built. One focused 60 minutes, purely the decumulation math: CPP and OAS timing, withdrawal order, a spending plan that holds, does the money last. You leave with the recording, 3 to 5 clear actions, and high-level takeaways on what's worth layering onto your plan next. Your plan. You keep running it.One time, no ongoing relationship. That's by design, and it's why this pairs so well with the Community. The review checks your math once. The Community is where the ongoing questions live.It's not a portfolio review and it's not a smaller Comprehensive Plan. I don't look at your holdings here. If you'd rather hand the whole thing over and never log in, or you want your investments checked, that's the Comprehensive Plan. Most people who email me about this tier actually want that one.3 spots a month. Email me and I'll send the booking link when the next one opens. Nothing is paid until your spot is confirmed. All data in by end of day before the call, or the call reschedules.

• Email me for the next Plan Review spot

3. The Comprehensive Plan. From $4,000 + HST, and most land higher.

The full build, for a financial life with layers. I do all the work, you never log into anything, and you run the plan after. This is the tier where I look at everything, your investments included: I review your portfolio and give you the guidance to run it yourself, simple, balanced, low-cost. I advise. I never manage or trade your money, and I don't sell anything. Two versions. The only real difference is whether a corporation is involved.Individual covers singles and couples without a corporation. $4,000 is the floor, for a genuinely simple situation. Most Individual plans land in the $5,000 to $6,000 range, because that's where real life sits: executive comp, rentals, a pension election, or more than one province in the mix.Corporate adds the business layer on top of everything in the Individual plan. $6,000 for a single company, $8,000 with a family trust, $10,000 for multi-company or estate freeze work. You never buy both. Corporate already includes the personal side.The price moves with complexity, nothing else. The more moving parts, the more it costs, and I'll tell you where you land before you commit.The first year is the full build: a plan around your real numbers, the retirement projection, your account and tax structure, the meetings, and written reports you keep. Your plan includes a 30-day window for follow-up questions after delivery.After that, the Annual Planning Membership keeps it current: a plan refresh plus defined touchpoints through the year, from $2,000 + HST for Individual and $3,000 for Corporate, priced to the access you want. More access costs more, and I'll quote it plainly when your plan wraps up. Or come back down the road for a one-off plan, priced from the $4,000 floor like any build. A single decision in between is a $600 + HST working session.This is the tier most people who reach out actually want, and it has the longest waitlist of anything I offer. Comprehensive is nearly full for 2026. I take a small number a year because each one runs 20 to 40 hours, and that cap is what keeps the quality real. Email me a few sentences about your situation and I'll tell you whether it's a fit and when the next spot opens. While you wait, the Community gets you moving on the same dials today.Out of scope. US persons, divorce in progress, blended-family estate complexity, tax filing. I'll point you to the right specialist if that's you.

• Email me about a Comprehensive Plan

Still not sure? Email me a few sentences about your situation and I'll sort it in one reply.

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What I help with

Retirement planning
Clear income by age, RRSP, RRIF, TFSA, and non-registered draw order, CPP and OAS timing, OAS clawback protection, survivor scenarios, and sustainable spending plans you can actually run.Corporate and business owner planning
CCPC drawdown sequencing, GRIP, CDA, and RDTOH tracking, salary versus dividend decisions, holdco and family trust integration, and how your corporate plan fits with your personal plan. CPA-led, not a referral.Tax-aware decisions
High-level planning to reduce drag, avoid common traps, and use the right account at the right time. Returns are filed by your tax preparer. The planning behind them is mine.Budget and cash-flow systems
A simple plan and a weekly autopilot you will actually run. Built around your real life, not a 50-line spreadsheet.Structure and account setup
Clean account order for Canadians, asset location across registered and non-registered, and education on being efficient with your investments. Not investment advice, just education.The emotional side of money
Money stress, shame, and avoidance cost more than any tax mistake. The plan we build accounts for what you feel about money, not just the spreadsheet.Education first
Plain language. Tools you own. You stay in control. Every claim traced back to a real source.