None of them is a product. Each is a problem people bring me, and the structure that tends to solve it. Tap whichever sounds like your situation — the email writes itself.
Where most of it starts — what you keep, and what it’s doing.
TFSA, RRSP, FHSA, RESP. Most people hold several and have never been shown the order they're meant to be filled in, or which one should come first for them. And an account on its own doesn't do much — what you hold inside it is the part that actually works.
Ask me about this Tax efficiencyTwo people can earn the same and keep very different amounts. Usually the difference isn't income — it's which account the money sat in, and when it moved. The very same investment can be taxed three different ways depending on where you hold it.
Ask me about this Buying a first homeThe FHSA, what it stacks with, and how to reach a down payment without dismantling everything else you've been building toward.
Ask me about this RESP & educationThere is government money attached to an RESP that a lot of families never fully collect. Worth knowing what you're leaving on the table before the years run out.
Ask me about this InvestingHow the money is actually invested, and why. The mix comes from two things: how long it has before you need it, and how much movement you can live with along the way. More risk or less is your call — the structure gets built around that answer, not the other way round. Some options also let the money pass straight to the person you name instead of sitting in the estate. That part is worth going through properly rather than in a paragraph.
Ask me about this Retirement incomeBuilding it and living off it are two different problems with two different answers. This is about what happens once the money has to start paying you — and which account you draw from first.
Ask me about thisThe part nobody enjoys planning, and nobody regrets having.
Most people insure the car that gets them to work, and never the work itself. This one is about what still arrives each month if you can't.
Ask me about this Critical illnessA serious diagnosis costs more than health. Time off, the drives to appointments, someone taking unpaid leave to sit with you. A lump sum on diagnosis makes stopping affordable.
Ask me about this Coverage you ownA policy in your own name, for an amount you choose, that stays with you if you switch lenders or move house. Most people have never seen it laid out on its own.
Ask me about this Accident coverageAccident-only coverage with its own, simpler application. Built for people whose work is physical, and for anyone who has found the usual route more complicated than expected.
Ask me about thisFor people other people depend on.
For owners who want to offer something real to the people who work for them — and for anyone who has a plan at work and has never actually read what's in it.
Ask me about this Business ownersYou built something that still depends on you being in the room. This is what holds it together if you're not — for your partner, your staff, and the people at home.
Ask me about this Registered accounts at deathAn RRSP or RRIF doesn't simply pass to the people you name. Unless it moves to a spouse or a dependent child, what's left is generally counted as income on your final return — and that bill is settled before anyone receives anything. It's often the largest single tax year of a person's life, and most people have never been told it's coming. There are ways to plan around it, and the right one depends on your accounts, your age and your health.
Ask me about this Estate & beneficiariesWho receives what, named properly, in the right order — so what you leave arrives where you meant it to, without months of paperwork sitting on top of it.
Ask me about this Funeral and final costsThe service, the burial or cremation, and the small debts that follow. Money that lands where it's needed, in the week it's needed.
Ask me about thisWhich of these fits depends entirely on your situation, your goals and your health. Nothing here is a recommendation until we’ve actually spoken.