Modular Financial Planning

Specialist planning support for a specific decision, delivered through a clear scope, analysis, and actionable recommendations. Ideal when you need targeted expertise, a second opinion, or structured guidance your current advisor does not provide.

Individual Pension Plans Retirement Compensation Arrangements Living Buyout Arrangements Estate Transfers

How Modular Engagements Work

Modular planning is a focused engagement built around one priority at a time. We define the scope, do the analysis, and deliver clear recommendations you can act on.

You get a documented plan, clear next steps, and a practical roadmap to implement with your broader advisory team.

The process is simple and structured, so you always know what is happening next.

Step 1

Scope the Work

We align on your specific need, define what success looks like, and identify the information required.

Step 2

Analyze & Build

We evaluate structures, assess tax implications, and model implementation scenarios.

Step 3

Execute & See It Through

We implement the plan end to end, coordinate timelines and stakeholders, and stay accountable until it is complete. We then monitor and refine to keep it on track.

Specialized Planning Services

These are advanced planning areas that typically fall outside standard advisory mandates. Each engagement is scoped independently based on your unique situation.

Professional financial planning and analysis

Individual Pension Plans (IPP)

A defined benefit pension plan designed for incorporated professionals and business owners. Higher contribution limits, creditor protection, and significant tax efficiency for those over 40.

Senior professionals in strategic discussion

Retirement Compensation Arrangement (RCA)

A supplemental retirement vehicle for high-income earners where additional retirement savings are needed beyond RRSP and pension limits, with a structure designed for tax efficiency.

Estate planning documents and discussion

Estate Transfers

Planning that helps you reduce complexity and taxes during a major wealth transfer, including estate planning coordination and structured, documented next steps for your advisory team.

Living Buyout Arrangements

A structured approach to transitioning ownership while the current owner remains active, supporting succession outcomes and business continuity with clear implementation planning.

Let's Discuss Your Planning Needs

Book a consultation to explore which modular planning services are right for your financial situation. We'll help you determine the best path forward, whether that is a focused engagement or ongoing collaboration.

Book a Consultation