Services, Pricing & Process
Your personal CFO —
for a predictable flat monthly fee
Get an ongoing financial planning partner to help you make better decisions about cash flow, RSUs, stock options, taxes, investments, career changes, and when work can become optional.
Explore how financial planning can help, compare services and monthly pricing, and see how the process works.
Services & Pricing
Choose the level of planning that fits your life
Services are offered in three tiers, based on the scope and complexity of your financial planning needs. All service levels have a 1-year commitment.
1. Foundation -
$225 / month
(for First Year)*
*$135 a month starting
second year
For tech professionals who want to spend smarter, save consistently, invest confidently, and protect themselves financially— building a strong financial foundation.
2. Work-Optional -
$350/ month
(for First Year)*
*$210 a month starting
second year
For tech professionals who want to know when work can become optional—and confidently explore working part-time, taking a sabbatical, changing careers, or starting a business.
3. Tech Founder -
$650 / month
(for First Year)*
*$390 a month starting
second year
For tech founders, incorporated consultants, and business owners who want to turn business success into lasting wealth through coordinated business and personal tax planning.
1. Foundation Planning
Build a strong financial system to reach your Goals
Best suited for
Canadians in tech with relatively straightforward finances who want to build a better system for spending and saving, learn how to invest and build a portfolio, and protect themselves financially.
Before Financial Planning
- Feeling guilty about spending
- Unsure whether you are saving enough
- Investing at the wrong time or keep missing opportunities
- Feeling overexposed to the tech sector for both your career and investments
- Feeling lost about RSUs, stock options, taxes, and insurance
- Worrying that an illness, injury, or job loss could put you or your family at risk
After Financial Planning
- Spending confidently with a clear savings system
- Knowing exactly how much to save for your goal
- Following an investment plan instead of reacting emotionally
- Reducing dependence on one company or sector
- Knowing how to manage equity compensation
- Having peace of mind knowing you and your family are financially protected
Planning Areas Included
- A behaviour-based cash flow system
- Basic tax planning around TFSA, RRSP, FHSA, and account-priority planning
- RSU, stock-option, and employer-share planning
- Investment education and portfolio review
- Foundational retirement and long-term financial projections
- First home-purchase and major-purchase planning
- Basic what-if scenario to assess how different savings rates affect your goals
- Insurance needs analysis
Questions Foundation Planning can Help Answer
- How can I automate my cash flow without spending hours budgeting or tracking every expense?
- How can I reduce unconscious spending while still enjoying my money without guilt?
- How much should I save for goals such as buying my first home or financial independence?
- How do different savings rates affect how fast I can reach my goals?
- Should I prioritize my TFSA, RRSP, FHSA, or non-registered account?
- How should I manage my RSUs, stock options, employee share plan, or other equity compensation?
- When company shares vest, should I hold them, sell them, or use the proceeds toward other goals?
- How can I prepare for taxes and avoid becoming overly concentrated in my employer’s stock?
- How do I start investing and build a suitable portfolio?
- Are my investments aligned with my goals and risk tolerance?
- Am I paying too much in investment fees?
- Is my portfolio properly diversified?
- How can I financially protect myself and the people who depend on me if I can’t work due to illness or injury?
- How should I plan for a first home or another major purchase (car, wedding, edducation, sabbatical, etc.)?
What you will walk away with
- A behaviour-based cash flow system that helps you spend intentionally and save consistently—without tracking every expense
- Clear savings targets and a tax-efficient strategy for prioritizing your TFSA, RRSP, FHSA, and non-registered accounts
- A practical plan showing exactly how much to save each month and when buying your first home or funding another major expense could become possible
- A foundational retirement and financial-independence projection showing how your wealth may grow and when work could become optional
- An investment plan and practical education to help you build a diversified portfolio aligned with your goals and risk tolerance
- An equity-compensation strategy showing how to manage vesting events, prepare for taxes, reduce employer-stock concentration, and decide when to hold or sell shares based on your broader goals.
- Ongoing behavioural coaching to help you stay disciplined and avoid costly investment mistakes
- A risk and insurance plan identifying the coverage you may need to protect your income and the people who depend on you
- Quarterly check-ins and annual plan updates to keep you on track as your life and finances change
- Implementation support, including guidance with setting up investment accounts and coordinating with appropriately licensed insurance professionals
2. Work-Optional Planning
Build a Deeper Plan for When Work Becomes Optional
Best suited for
Tech professionals who want deeper retirement and work-optional planning, including detailed projections, what-if scenarios, and guidance around major career and lifestyle decisions.
Before Financial Planning
- Feeling trapped in your job because you do not know whether you can afford to step back
- Unsure whether you are saving too little—or sacrificing more than necessary
- Nervous about how a layoff, market downturn, or income change could affect your future
- Feeling lost about whether early retirement, a sabbatical, reduced hours, or a career change is financially possible
- Making major life decisions without seeing their long-term financial impact
After Financial Planning
- Knowing when work could realistically become optional and what it will take
- Feeling confident about how much you can spend, save, and enjoy today
- Having a plan tested against market downturns and unexpected life changes
- Seeing how different career and lifestyle choices affect your financial future
- Making major decisions using clear projections instead of guesswork
Planning Areas Included
- Everything in the Foundation Planning plus;
- Detailed retirement and financial-independence projections
- Up to five what-if scenarios for early-retirement, sabbatical, reduced-hours, and career-change
- Stress testing for market downturns, inflation, layoffs, and income changes
- Retirement-income and tax-efficient withdrawal planning for those close to retirement
- Rental real estate, mortgage-paydown, and investment trade-off analysis
- Education funding, family support, and other major-goal planning
- Ongoing what-if modelling as your career, goals, and circumstances change
Questions Work-Optional Planning can Help Answer
- Everything included in Foundation Planning, plus
- When could I realistically retire or make work optional?
- Am I saving enough—or could I afford to spend and enjoy more today?
- Could I take a sabbatical, reduce my hours, or move into a lower-paying career?
- What happens if I retire five or ten years earlier than planned?
- Could I leave my job to start a business or fund my own startup?
- How would a layoff, market downturn, or prolonged period of inflation affect my plan?
- Which financial decisions would have the greatest impact on reaching financial independence?
- Should I invest more, pay down my mortgage, or purchase real estate?
- How should I manage my RSUs, stock options, and concentrated employer shares as I approach financial independence?
- Can I afford a major purchase, and how will it affect the timing of when work becomes optional?
- How much can I safely give to my children or contribute toward their education?
- How should I draw income and minimize taxes once I stop working?
- What happens if my goals, spending, income, or retirement date change?
What you will walk away with
- Everything included in Foundation Planning, with deeper analysis and scenario modelling
- A detailed retirement and financial-independence projection showing when work could become optional
- Multiple what-if scenarios comparing options such as retiring earlier, taking a sabbatical, working less, or changing careers
- Clear savings and spending targets that help you enjoy life today without putting your future at risk
- A plan stress-tested against market downturns, inflation, lower income, and unexpected life changes
- A coordinated strategy for managing RSUs, stock options, vesting events, taxes, and employer-share concentration
- A tax-efficient accumulation and retirement-income strategy across your TFSA, RRSP, non-registered accounts, and other assets
- Decision modelling for major choices such as paying down your mortgage, buying real estate, supporting children, or making a large purchase
- Clear financial guardrails showing when your plan may need to be adjusted
- Quarterly check-ins, annual plan updates, and ongoing support as your career, goals, and financial situation change
3. Tech Founder
Turn Business Success Into Lasting Personal Wealth
Best suited for
Tech founders, incorporated consultants, contractors, and business owners who want to coordinate their business and personal finances—and turn business success into lasting personal wealth.
Before Financial Planning
- Your business is growing, but your personal finances still feel disconnected from it
- Unsure whether to pay yourself through salary, dividends, or a combination of both
- Unclear whether excess corporate cash should be retained, invested, or withdrawn
- Worried about paying unnecessary tax or missing corporate planning opportunities
- Unsure how different business-sale or exit outcomes could affect your financial independenc
- Receiving separate advice from your accountant, lawyer, and other professionals without one coordinated strategy
- Feeling that too much of your family’s future depends on the continued success of the business
After Financial Planning
- One coordinated strategy connecting your business, corporate assets, and personal goals
- A clear compensation framework for deciding how and when to pay yourself
- A plan for retaining, investing, and extracting corporate cash over time
- Greater clarity around corporate tax accounts, structures, and planning opportunities
- Financial-independence projections comparing different business-sale and exit scenarios
- Your accountant, lawyer, and other professionals working toward the same objectives
- A protection and diversification strategy that reduces your family’s dependence on the business
Planning Areas Included
- Everything in Foundation Planning and Work-Optional Planning, plus;
- Personal and corporate cash-flow coordination
- Salary-versus-dividend planning
- Retirement and financial-independence projections incorporating corporate assets
- Financial-independence scenario modelling based on potential business-exit outcomes
- Corporate investing and tax-efficient extraction of retained earnings
- Holding-company and operating-company structure considerations
- Capital Dividend Account and refundable-tax account considerations
- Business protection, shareholder insurance, and key-person risk planning
- Business succession, sale, and exit-planning considerations
- Coordination with your accountant, lawyer, and other professionals
Questions Tech Founder Planning can Help Answer
- Everything included in Foundation and Work-Optional Planning, plus
- Should I pay myself through salary, dividends, or a combination of both?
- How much cash should I retain inside the corporation versus withdraw personally?
- Should I invest through the corporation or withdraw funds to invest personally?
- How can I coordinate corporate cash flow with my personal spending and savings needs?
- How do my corporate assets affect when I can retire or make work optional?
- What could my financial future look like under different business-sale or exit outcomes?
- How can I extract retained earnings from the corporation tax-efficiently over time?
- Would a holding company or another corporate structure make sense for me?
- How can I make better use of corporate tax accounts such as the Capital Dividend Account and refundable-tax accounts?
- What insurance or risk-management strategies could protect my family, company, and business partners?
- How should I prepare financially for succession, selling the business, or stepping away?
- How can I ensure my accountant, lawyer, and other professionals are working toward one coordinated strategy?
What you will walk away with
- Everything included in Foundation Planning and Work-Optional Planning, plus:
- An integrated personal and corporate cash-flow strategy
- A salary-and-dividend framework aligned with your tax position and long-term goals
- Retirement and financial-independence projections that incorporate corporate assets
- What-if modelling showing how different business-sale or exit outcomes could affect when work becomes optional
- A corporate investment and retained-earnings extraction strategy
- Clear planning considerations for your operating company, holding company, and corporate tax accounts
- A risk-management plan for shareholder insurance, key-person risk, and business continuity
- A roadmap for succession, selling the business, or eventually stepping away
- Coordinated recommendations to review with your accountant, lawyer, and other professionals
- Ongoing support as your company, ownership structure, income, and personal goals evolve
Process
From financial questions to a plan you can actually use
Over the first year, we organize your finances, build and test your plan, and help you put the recommendations into action. Ongoing check-ins keep the plan current as your career, finances, and life evolve.
TL;DR
- Step 1. Intro call
- Step 2. Account creation and data sharing
- Step 3. Discovery session
- Step 4. Risk planning
- Step 5. Initial retirement and financial-independence planning
- Step 6. What-If scenario planning
- Step 7. Cash flow, tax, and investment planning
- Step 8. Financial plan creation and implementation
- Step 9. Ongoing planning and coaching
Step 1. Intro call
Start with a simple 20-minute conversation about your financial situation, the questions that matter at your stage of life, and whether financial planning could help. Start the monthly subscription via our secure payment method.
Step 2. Create Your Account and Share Data
Create your secure planning account and provide basic information needed to understand your income, spending, savings, investments, equity compensation, insurance, taxes, and goals.
Your data is protected using industry-standard AES-256 encryption, both in transit and when stored, and is securely hosted on Canadian-based infrastructure.
We collect only minimal Personally Identifiable Information (PII) to reduce your data footprint.
Step 3. Discovery Session
We review your current situation, clarify your priorities, and identify the financial decisions and questions your plan needs to address.
Step 4. Risk Planning
Before building your long-term projections, we assess how much insurance coverage you may need to protect yourself and your family.
This comes first because any additional insurance premiums affect your cash flow—and how much you can save toward your long-term goals.
Step 5. Initial Retirement and Financial-Independence Planning
We build your initial retirement or financial-independence projection based on your savings, spending, pensions, government benefits, investments, and other assets.
This shows initial findings about:
- Whether you are currently on track based on your current savings
- How your wealth could grow
- When retirement or work-optional status may become possible
Step 6. What-If Scenario Planning
For Foundation Planning, we test how different savings rates could affect your long-term finances and how quickly you may reach your goals.
For Work-Optional and Tech Founder Planning, we test alternative paths such as:
- Retiring earlier or later
- Taking a sabbatical
- Working part-time
- Changing careers
- Starting or selling a business
- Buying real estate
- Spending more today
- Experiencing an income reduction
Step 7. Cash Flow, Tax, and Investment Planning
Once we understand your goals, timeline, and required savings rate, we turn the projections into a practical financial system.
This may include:
- A behaviour-based cash-flow system that automates saving without requiring you to track every expense
- Clear monthly savings and spending targets
- TFSA, RRSP, FHSA, and non-registered account priorities
- RSU and stock-option planning
- Portfolio structure, diversification, and investment-fee review
- Tax-efficient saving and withdrawal strategies
- Corporate investing and compensation planning for founders
Your cash-flow and investment strategies are built around the life you want and the savings required to support it—not developed in isolation.
Step 8. Financial Plan Creation and implementation
Bring everything together into a clear written plan that includes recommendations, priorities, timelines, and next steps.
Step 9. Ongoing Planning and Coaching
Your plan should evolve as your finances and life change.
- Quarterly check-ins: Coaching and accountability to help you follow through on recommendations and address new questions.
- Annual plan updates: Updated projections to confirm you remain on track and adjust savings, tax, investment, or retirement strategies when needed.
- Investment behavioural coaching: Support through market ups and downs so you avoid buying or selling out of fear and stay focused on your long-term plan.
Vanguard estimates that behavioural coaching may add approximately 1% to 2% in value over time by helping investors avoid costly mistakes. Its broader Advisor’s Alpha framework estimates total advisory value of about 3%. These figures are estimates, not guaranteed annual returns.
To put that into context, a 3% improvement could represent roughly the following value each year:
- $100,000 portfolio: $3,000
- $300,000 portfolio: $9,000
- $500,000 portfolio: $15,000
- $1 million portfolio: $30,000
- $1.5 million portfolio: $45,000