Services and Fees

Visit a few financial planning websites and you’ll get very familiar with the phrase “comprehensive financial planning”, which is meant to convey that what you’ll get is a through review of and plan for your insurance, investment, tax, estate, and retirement needs and goals.

That might be exactly what you need. Or, as I’ve come to realize as I’ve spoken with hundreds of clients over the last ten years, you might need to focus on just one thing at a time.

In fact, you might not even know what that one thing is. Often, the burning question that starts people on the quest to get truly unbiased, affordable financial advice isn’t “how can I optimize my investment portfolio for maximum tax efficiency?” or “how much insurance do I need?” or even “should I save in an RRSP or TFSA?”

It’s “am I okay?

That’s why some clients start with a basic financial checkup, moving on to more detailed and comprehensive planning work once we get the clarity about their current financial situation we need to diagnose any problems and point us towards a targeted, specific action plan, while others jump right into a comprehensive plan because they need an action plan.

Basic Financial Checkup – $750

This introductory package provides a high level overview of your current financial health, identifies any trouble spots, and is designed as the first step in creating a personalized plan of improvement. Once I’ve had a chance to review the information you share about yourself, we’ll schedule a web conference meeting to talk all about you: to answer any questions you have, to tell you you’re on the right track, or to highlight areas that need improvement and the kind of work we could do together to achieve that improvement.

Comprehensive Financial Plan – $2,000 – $4,500 (individual quotes provided)

This complete plan dives deep into all of the details of your financial life, identifies any areas of concern or inefficiency, is designed to give you a decision-making framework and specific action plan for the future, and includes a mid-plan meeting to present and discuss your options before resulting in a set of recommendations and a review and discussion meeting.

The financial planning modules below have been designed to click together to address the most common questions I encounter with clients, while still being flexible enough to address your unique circumstances.

Cash Flow Audit
For those who don’t know how they spend their money and don’t know where to start, or who have big or intimidating goals and want to use real spending numbers to reach them.
More about cash flow planning
Often combined with goal planning and a monthly coaching plan.

Portfolio Audit
For those who are relying on their savings to accomplish their goals, want to identify the parts of investing that are under their control, and learn to safely ignore the things that are not.
More about portfolio assessments
Often combined with retirement income planning

Ready to discuss your situation and how we can help?

At Spring, we have the training and experience to help a wide range of client types. We'd love to connect you with the right person from your very first meeting, and ask that you fill out a brief form to help us prepare for your call. 

Please note that you are welcome to schedule a call without answering these questions, but that we've found that meetings tend to be more productive if we know a little about you before we start. 

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