Turn money stress into calm wealth and freedom of time

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How I work nowHourly is retired. It didn't scale as a solo CPA. The admin around hundreds of one-off hours left no time to do the planning work properly. So I changed the model.1:1 work now happens inside four tiers with set scope and fixed pricing. The Community is the main entry point for most people.Calm Money Community - CLICK THIS LINK FOUNDING PRICEThe home base, and the right fit for most people. The calculators and guides behind my videos. Monthly live Q&As where I work through real questions on camera. Group coaching when enough members want the same topic. And a place to ask the messy version of your question without a 1:1 engagement.It's also where the other half of money lives. The part that isn't math. The math matters. So does the part of you that has to actually do it.Founding members. $299 + HST for the first year. Renewal locks at this rate every year after. Limited to the first 333 members or July 13, whichever comes first.After founding closes:- Annual. $450 + HST per year
- Monthly. $42.99/month + HST, plus a one-time $99 + HST join feePlan Review on Adviice. $1,500 + HSTA 60-minute working session focused on your retirement projection. You get a recording, 3 to 5 key actions, and a year-by-year plan in Adviice.Retirement-focused only. Best for Canadians within 10 years of retirement who want one CPA-led conversation on CPP and OAS timing, withdrawal sequencing, and a sustainable spending plan.Payment at booking. 3 engagements per month.Comprehensive Plan, Corporate. $6,000 to $10,000 + HST first year, $3,000 to $5,000 + HST ongoingFor incorporated business owners with OpCo, HoldCo, or Family Trust structures. Includes the full personal planning that comes with the Comprehensive Plan, Individual tier plus the corporate layer: CCPC drawdown, GRIP, CDA, and RDTOH tracking, salary versus dividend sequencing.Pricing scales with entity complexity:- $6,000. Single OpCo, or OpCo plus simple HoldCo. One business owner.
- $8,000. Adds a Family Trust. Notional account tracking, beneficiary planning, estate integration.
- $10,000. Multi-OpCo, estate freeze, IPP modelling, multi-property in corp, or cross-shareholder structures. 30+ hours of build time.I'll confirm the right tier on a 30-minute fit call. No pressure either way.Optional ongoing year: annual review, mid-year check-in, 8 to 12 scoped questions. Limited to 10-12 new engagements per year.Comprehensive Plan, Individual. $4,000 to $6,000 + HST first year, $2,000 to $3,000 + HST ongoingA full personal financial plan. Two meetings, written reports, and a 5-scenario retirement projection. Covers withdrawal sequencing, account structure, tax-aware decisions, and pension or RRSP planning. Also works as a CPA-led independent review if you have an existing plan or major decision you want a second set of eyes on.Pricing scales with complexity:- $4,000. Standard. RRSPs, TFSAs, non-reg, employment income, primary residence.
- $5,000 to $6,000. Complex. Multiple accounts, executive comp (RSUs, options), rentals, complex pension elections, multi-province situations, or major one-off decisions (pension commuted value, large rollover, real estate).I'll confirm the right tier on a 30-minute fit call.Optional ongoing year: annual review, plan refresh, mid-year update, 6 scoped questions with 5 business day response. Limited to roughly 10-12 new engagements per year.Out of scopeUS persons, divorce in progress, blended-family estate complexity, tax filing. I'll point you to the right specialist if that's you.

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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.