WhatsApp (opens WhatsApp) Email Franklyn
Work With Me

Every session, and exactly what it costs.

Flat prices in Canadian dollars, taxes included, shown before you book. Start with the free 30-minute session, or book the working session built for your decision directly.

In plain words: you see the price and what you get before you pay anything.

Sessions

Most people start here

Complimentary Clarity Session

Free

30 minutes · phone or video

Best for: everyone, as the first step

  • Your One-Page Picture: income, accounts, debt, benefits and goals, together on one page during the call
  • Your 3 Moves: the three things that matter most for you right now, in order, texted to you within 24 hours
  • Your Next Step: if you need more, I’ll tell you which working session fits, and if you don’t, I’ll say so
Everything included
  • Your One-Page Picture
  • Your 3 Moves, texted within 24 hours
  • A quick unused-room scan: grants, employer matching and contribution room you may not be using
  • A Straight Answer: what’s working, what’s missing, and what needs attention first
  • Your Next Step
Book free

What Do You Actually Have? Account Review

$95

60 minutes · by phone

Best for: young professionals

A paid, 60-minute walkthrough of the accounts, policies and benefits you already have. Paid when you book; the cancellation policy below applies.

  • Your “What You Actually Have” Summary: everything on one page, yours to keep
  • FHSA vs. RRSP vs. TFSA: which one gets your next dollar at your tax bracket, and in what order
  • Your Top 3 Next Steps, emailed within 24 hours
Everything included
  • The Before-You-Call Checklist
  • The Plain-English Walkthrough
  • Your “What You Actually Have” Summary
  • An unused-room check (TFSA, RRSP, FHSA and employer matching)
  • FHSA vs. RRSP vs. TFSA
  • The Overlap & Gap Check
  • The Beneficiary Check
  • Your Top 3 Next Steps (emailed within 24 hours)
  • The 30-Day Check-In (skip it anytime)
Book · $95

Mortgage Renewal Readiness

$295

60 minutes · phone or video

Best for: GTA homeowners renewing in the next 18 months

  • Your Renewal Game Plan: your monthly numbers before and after, and what changes
  • The questions to ask your lender or mortgage agent before you sign
  • A follow-up check-in after your renewal is done
Everything included
  • Your payment scenarios at a few realistic renewal rates and amortizations
  • What to protect and what to trim
  • Your emergency reserve through the renewal and after
  • Other debt: pay down before or after renewal
  • Mortgage protection: the lender’s insurance compared with coverage you own
  • The trap to avoid: solving the mortgage problem while creating a new one

I’m not a mortgage agent, so I don’t arrange mortgages or quote rates. Strategies discussed may involve life insurance products.

Book · $295

Family Plan Session for Couples

$325

75 minutes · by video · per couple

Best for: dual-income couples starting or growing a family

  • One household cash-flow plan: bills, savings and investing, in the right order
  • Parental leave and childcare: the budget while one income drops
  • A written roadmap you both keep
Everything included
  • One household cash-flow plan
  • Parental leave and childcare
  • Debt priorities
  • An emergency reserve that fits a GTA cost of living
  • RESP set up to capture every grant dollar
  • A safety net for both of you, not just the higher earner
  • Wills, guardianship and beneficiaries, with a referral to a lawyer if you need one
  • A written roadmap you both keep
Book · $325

Retirement Readiness Review

$350

75 minutes · phone or video

Best for: pre-retirees, 50 to 65

  • Your Retirement Income Map: where each dollar of retirement income comes from
  • A short list of decisions, in order, with dates
  • A follow-up check-in within 30 days
Everything included
  • Your retirement income picture: pension, CPP, OAS, RRSP, TFSA and savings, side by side
  • The gap: what you’ll have each month compared with what you want to spend
  • CPP and OAS timing
  • RRSP to RRIF: when to convert, and an order for drawing from each account
  • The surviving spouse
  • Estate basics
  • Costs and coverage you may no longer need
  • The questions to bring to your accountant, lawyer or current advisor
Book · $350

Owner’s Pay & Protection Session

$450

90 minutes · phone or video

Best for: established business owners and the self-employed

  • Your Owner’s Money Map: business cash flow, personal pay, reserves and savings on one page
  • A written 5-to-20-year action plan, in order
  • A follow-up check-in within 30 days
Everything included
  • Paying yourself from uneven business cash flow
  • Salary, dividends and retained earnings: the trade-offs
  • Wealth outside the business
  • Protection: disability, critical illness, life, key person and partner coverage
  • Your exit
  • Beneficiaries and estate basics, coordinated with your lawyer
  • Complex strategies for when your RRSP and TFSA are full
  • The questions to bring to your accountant and lawyer

Strategies discussed may involve life insurance products.

Book · $450

All prices are flat, in CAD, taxes included. Cancel or reschedule any time before your session for a full refund. Full policy

What Happens After You Book

From booking to a written plan,
step by step.

In plain words: you always know what comes next, and when.

  1. Within minutes

    A personal text from Franklyn confirming your time.

  2. On the call

    Your One-Page Picture, built together.

  3. Within 24 hours

    Your 3 Moves, in writing.

  4. 30 days later

    A quick check-in on progress. You can skip it.

  5. Every year (clients)

    A Client Review to keep the plan current as your income, business and family change.

Straight Answers

What people check
before they book.

In plain words: who I am, what I don’t do, and what happens after you book.

Who I am
Licensed Advisor in Ontario, FSRA #22207349. Contracted with iA Financial Group. Check my licence on FSRA’s public register (opens in a new tab)
What I don’t do
I don’t offer every kind of investment, and I’ll tell you when someone else is the better fit.
Your time
You get a personal text within minutes of booking, Your 3 Moves in writing within 24 hours, and a 30-day check-in you can skip.
Cancellation & Refunds

If plans change.

Payment for a paid session is taken when you book. After that:

  • Cancel or reschedule any time before your session: full refund.
  • Miss your session but tell me why within 24 hours: 85% refunded (a 15% fee).
  • Miss your session with no notice or reason: 50% refunded (a 50% fee).

The Complimentary Clarity Session, Client Review and Partnership Conversation are free, so there’s nothing to refund. To cancel or reschedule anything, use the link in your booking confirmation email.

Which One Is Right for Me?

Pick the sentence that
sounds most like you.

In plain words: choose the one that fits. You can always start free.

Owner’s Pay & Protection · $450 · 90 min

“My business makes money, but my personal savings don’t show it.”

For established business owners and the self-employed. See the session or book it →

Family Plan Session for Couples · $325 · 75 min

“Two incomes, a baby, and every dollar already has a job.”

For dual-income couples starting or growing a family. See the session or book it →

Mortgage Renewal Readiness · $295 · 60 min

“Our mortgage renews soon and I don’t know what to cut.”

For GTA homeowners renewing in the next 18 months. See the session or book it →

Account Review · $95 · 60 min

“TFSA, RRSP, FHSA: I don’t know which comes first.”

For young professionals with a steady income. See the session or book it →

Retirement Readiness Review · $350 · 75 min

“Will my savings pay for the retirement I want?”

For pre-retirees, 50 to 65. See the session or book it →

Complimentary Clarity Session · free · 30 min

“I want to see where I stand first.”

Start here. You get Your One-Page Picture, and Your 3 Moves arrive within 24 hours. Book it →

At a Glance

Every session, side by side.

In plain words: every session, its price and how long it takes.

SessionPriceLengthHowBest for
Complimentary Clarity SessionFree30 minPhone or videoAll five. Start here.
What Do You Actually Have? Account Review$9560 minPhoneYoung professionals
Mortgage Renewal Readiness$29560 minPhone or videoGTA homeowners renewing in the next 18 months
Family Plan Session for Couples$325 per couple75 minVideoDual-income couples starting or growing a family
Retirement Readiness Review$35075 minPhone or videoPre-retirees, 50 to 65
Owner’s Pay & Protection Session$45090 minPhone or videoEstablished business owners and the self-employed
Client ReviewFree for clients60 minPhone or videoCurrent clients, once a year. Requests are confirmed personally.
Partnership ConversationFree30 minPhoneRealtors, mortgage agents, accountants and lawyers
Common Questions

Before you book.

In plain words: quick answers to common questions.

Do I have to start with the free session?

No. If you already know your decision, book its working session directly. Most people start free, and I’ll tell you which session fits, if any.

Will you try to sell me something in a paid session?

The fee pays for the planning itself. If a product would genuinely help, I’ll explain why and you decide in your own time. Nothing is sold during the $95 Account Review.

Can my partner join?

Yes, and for most planning sessions it helps. Add them as a guest when you book, or just have them with you on the call.

Is it by phone or video?

The Account Review is by phone. The Family Plan Session for Couples is by video, so you can both join. Everything else can be by phone or video.

Are the prices really all-in?

Yes. Flat, in Canadian dollars, taxes included. Nothing is added at checkout.

How are you paid if I buy something?

Paid sessions are the flat fee above. If you buy an insurance or investment product, the insurer pays me a commission. The details are on my disclosures page, and you’re always welcome to ask.

Start Here

The first step is a conversation.

Free, 30 minutes, by phone or video. You leave with Your One-Page Picture, and Your 3 Moves arrive in writing within 24 hours.

Book your Complimentary Clarity Session

Free · 30 minutes · no obligation