Working For You.

The Cost of Advice

In Canada, the cost of most financial products today includes the value of advice (working with an advisor) which is embedded in the investment product as a management expense of a mutual fund (MER), interest spread in a GIC or savings product or within the premium amount of insurance.  As an example, the “advice” component of a mutual is typically around 1%.

As independent advisors we only recommend proven investments from top tier investment companies or banks.  With the cost of advice already built into most products in Canada that means we are compensated in a similar manner to those working for one institution like a bank or insurance companies.

This means that our clients generally pay lower or similar costs to what they are currently paying but receive better (and more consistent) advice and planning along with wider choice of products.  Clients do not pay to purchase, redeem or switch between investments and can generally redeem or transfer their investments at any time without cost.

Within this, we provide our financial planning services, including retirement projections, investment recommendations, tax minimization and estate planning.

Trust is built through transparency, and we’re always available to answer any questions related to fees in the industry (or review what you’re currently paying for advice).

Contact us here

Interested in learning more?

Download our free educational guides here.

It is our strong belief that to be successful in reaching your goals it is necessary to have a plan in place and to follow a process. That is, to make your life and financial decisions not by accident but by design.

Remember, successful people ACT towards the future they want!

Our Clients

Their honesty and customer service is right up there, with the knowledge and recommendations on where investments should be made. When it’s time for a change Tim is always honest with us on where any changes should be made.

Janet McDonald

To me, it is their personalized service. When something happens, you can go in and discuss your options. The whole team knows your plans, listens to your needs, and can help you make adjustments.

Richard Dumoulin

They are very courteous, friendly and find them very professional. They are good at taking care of time sensitive matters and you get a general sense of being taken care of.

Ginny Blair

The fact they take time to discuss with you their knowledge base, they give you all the options then give you their opinion and let YOU make the final decision.


Their integrity and 1-on-1 communication skills, always personable. Tim and his team make you feel comfortable no matter how much you are investing.


Contact us to


Together, we’ll put the right plan in place and get the process started to helping you reach your goals.