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.

The paid part. Free Excel templates and guides are further down this page.

• Join quarterly, $135
• Join for the year, $449, save $91

A private site with more than 120 Canadian guides and calculators, a live Q&A every month, me in there answering your questions, and a board where you post what you want built and vote on what I make next.
No join fee. Switch from quarterly to annual any time. Your price locks the day you join: whatever you pay when you sign up is what you renew at for as long as you stay, so a future increase never touches you. The email list is a separate, free thing: one email a month with an Excel or a guide attached, further down this page.

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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. One of the two, the Comprehensive Plan, is closed right now. I've left it here with its real prices so you can see exactly what it is.

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. Closed right now. Read section 3 before you go looking for a substitute."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. $134.99 a quarter, or $449 for the year and save $91.

A private site with more than 120 Canadian guides and calculators, a live Q&A every month, me in there answering your questions, and a board where you post what you want built and vote on what I make next. The right home for 95% of you. 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 where you post what you want and vote on everyone else's. Anything that gets movement, I build it. A good chunk of what is in there started as one person asking.It's also where the other half of money lives. The part that isn't math.Your price locks the day you join. Whatever you pay when you sign up is what you renew at for as long as you stay, so a future increase never touches you. Leave and come back and you rejoin at whatever it costs then. Founding members who joined before July 13 keep renewing at $299 on that same rule. That was the deal, and it holds.

• Join the Community, $134.99 a quarter
• Prefer yearly? $449, save $91

2. Plan Review on Adviice. $2,000 + HST.

The DIY tier, and it's a narrow one. Read this part closely, because most people who email me about it actually want something else.One hour. One time. On the retirement plan you built yourself. That's the whole tier.You build your own plan in Adviice first, the same software I use. All of it: your income, your accounts, your spending, fully in before we meet. I don't touch the data entry, and I only look at what's in your Adviice plan. Not a spreadsheet you send, not a statement, not your portfolio. Just the plan you built. No plan built means nothing to review, so we don't meet until it's done. Otherwise it's a waste of your money and my time.Then I review it. One focused 60 minutes, recorded, purely the decumulation math: CPP and OAS timing, withdrawal order, a spending plan that holds, does the money last. You leave with 3 to 5 clear actions to layer onto your plan. Your plan. You keep running it.One time, no ongoing relationship. That's by design, and it's why it 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. It's not a second household. It's not a smaller Comprehensive, and it's not me building your plan for you. Want any of that and you want the Comprehensive. I'll tell you that up front rather than half-fix it in an hour we both leave frustrated. The price isn't the tier being cheap. It's the tier being small.And since the Comprehensive is closed, one warning. This isn't the consolation prize. It didn't get bigger because the other one shut. If what you want is me building it, wait for me or hire someone else. Buying the small tier for the wrong reason costs you $2,000 and leaves you exactly where you started.This one's for a specific person: within about 10 years of retirement, genuinely comfortable doing it yourself, and you already understand your own retirement well. If that's not you, the Community or a Comprehensive Plan will serve you better. Most people land in one of those two.Email me and I'll send you the booking link. Nothing is paid until your spot is confirmed. All data in by end of day before the call, or the call reschedules.

• Email me to book a Plan Review

3. The Comprehensive Plan. Closed. From $4,500 + 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. $4,500 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. $7,500 for a single company, $9,500 with a family trust, $12,000 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 $4,000 + HST a year, priced to the access you want and the complexity of your situation (corporate runs higher). 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 $4,500 floor like any build. A single decision in between is a $800 + HST working session.This is the tier most people who reach out actually want, and it's closed. Not closed as in check back next month. I'm booked out well past six months, the waitlist behind that is full, and I've stopped taking names for it.The honest version: I build 20 to 22 of these a year. That's not a marketing cap, it's what one person can do properly, and demand ran past it a while ago. A prospect walked this summer because I couldn't give him a start date, and he was right to. Selling you a spot I can't name would be the same thing with better manners.So I'm not naming a reopen date, because I'd only be guessing. When it opens, the Community and the email list hear first. In the meantime, FP Canada's Find Your Planner and the Advice-Only Planners directory both list Canadian fee-only planners taking clients now. If the corporate piece is what's hard, say that in your search, fewer of us do it. And the Community moves the same dials today for $134.99 a quarter.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.

• Closed. Email me and I'll point you somewhere good

The free email list isn't on this table because it isn't a tier. It's one email a month with a free template attached. Sign up further down.
Still not sure? Email me a few sentences about your situation and I'll sort it in one reply.

• Email me (media and business inquiries)
• Get the free Excel templates (monthly email)

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.