How We Work › Advisory Sessions
One question. One conversation.

Expert CFP® advice
without the ongoing commitment.

You have a specific financial question with real money on the line. You don't need a comprehensive plan — you need a straight answer from a qualified advisor. That's what an Advisory Session is.

Book an Advisory Session
CFP® Certified Advisors
In-Person (GTA) · Virtual
No Ongoing Commitment
Written Summary Included
Advisory Session
$450
per hour · 60-minute minimum
✓
Focused session with a CFP® advisor
✓
Pre-session review of your documents
✓
Written summary delivered within 48 hours
✓
Clear recommendation — not a list of options
✓
Book additional sessions as needed
Book a Session
Not sure if an Advisory Session is right for your situation? Book a free 15-minute call and we'll tell you honestly.
What an Advisory Session is

A focused professional engagement — not a discovery call.

You come with a specific question. We come prepared, having reviewed the documents you've shared in advance. The session is structured around your situation — the facts, the trade-offs, the options, and our recommendation.

We apply judgment and expertise built from years of working through exactly these kinds of decisions. You leave with a clear answer and a written record of how we got there.

It is not a sales meeting. It is not the beginning of a long onboarding process. It is a professional consultation — complete in itself.

What it's not right for

Some situations need more than one session.

  • ×
    Decisions that require financial modelling — CPP timing analysis, DB pension commuted value scenarios, or RRIF drawdown projections require software modelling across multiple variables. These aren't Advisory Sessions — they're Planning Analysis engagements.
  • ×
    An ongoing advisory relationship — if you want a CFP® who knows your complete financial picture and stays in your corner as life evolves, that's the Life-First Blueprint™.
  • ×
    Investment management — we don't manage portfolios outside of an ongoing client relationship.
Not sure which is right for you? Read about the Life-First Blueprint™ — or book a free 15-minute call and we'll tell you directly.
Common session topics

The questions
Advisory Sessions are built for.

Each of these involves real money, a real decision, and real consequences if you get it wrong. They're also completable in a focused conversation — without a full planning engagement.

01
Second Opinion on Existing Advice
Your current advisor gave you a recommendation. Before you commit — on an insurance product, an investment restructure, or a drawdown approach — you want an independent CFP® to pressure-test it.
Review & Validation
02
Severance Package Review
You've received a severance offer. You have a window to decide. The tax implications, RRSP room, and timing decisions are real and significant — and you need someone who can walk through them clearly before the clock runs out.
Time-Sensitive Decision
03
Estate & Beneficiary Review
You have documents — a will, beneficiary designations, POAs. You want someone to read them and tell you whether they reflect your actual intentions, and where the gaps or conflicts are before something goes wrong.
Estate Alignment
04
Insurance Gap Review
You've been sold a life insurance or critical illness policy. You want to know if the coverage is right for your situation, whether you're over- or under-insured, and whether the structure makes sense — from someone who isn't selling it to you.
Product Review
05
RRSP / TFSA Contribution Strategy
You have contribution room in both and a lump sum to deploy. You want a directional answer on where it goes and why — not a model, just a clear framework based on your income, timeline, and tax situation.
Accumulation Strategy
06
Inheritance or Windfall Decision
You've received a significant sum and you need to think through the options before doing anything with it. Tax implications, timing, debt paydown vs. investing — a structured conversation before an irreversible decision.
Financial Transition
07
Pension Product Review
You've been pitched a segregated fund or other insurance-wrapped investment product as a pension solution. Before you sign anything, you want to understand what it actually costs, what it actually does, and whether there's a better option.
Product Due Diligence
08
Retirement Readiness Check
You're two to three years from retirement and you want someone to look at your picture — income sources, savings, projected expenses — and give you an honest read on whether you're on track. Not a plan. A clear-eyed assessment.
Retirement Transition
09
Survivor & Estate Transition
You've lost a spouse or are helping a parent navigate a financial transition after a loss. The decisions are real and time-sensitive — account consolidation, beneficiary updates, pension survivor elections. You need guidance, not a sales pitch.
Life Transition
Have a different question?
If you're facing a specific financial decision that has real money on the line and it's not listed above, an Advisory Session may still be the right fit. Reach out before booking and we'll tell you honestly whether we can help — and if a different type of engagement would serve you better.
The process

Simple. Scoped.
No surprises.

An Advisory Session is a professional consultation — complete in itself. Here's exactly what to expect.

01
Book and brief us
Select a time online. You'll receive a short intake form — describe the decision you're facing and upload any relevant documents. We review everything before we meet so the session itself is focused on answers, not background.
Before the session
02
The session
We meet via Zoom. We come prepared. You get a structured conversation that works through your specific situation — the facts, the trade-offs, the options we considered, and our recommendation. Not a list of possibilities. A recommendation.
During the session
03
Written summary
Within 48 hours you receive a written summary of what we discussed and what we recommended. Not a financial plan — a written record of the decision we worked through, the options we considered, and the conclusion we reached.
Within 48 hours
Know which fits

Advisory Session
or Life-First Blueprint™?

One question, answered well, with no ongoing commitment — or a complete plan built around the life you want to live.

Advisory Sessions
One question.
One conversation.
  • Specific question with a deadline or decision point
  • No ongoing commitment required
  • $450/hr · 60-minute minimum
  • Written summary delivered within 48 hours
  • Book additional sessions as needed
  • Best when you need an answer, not a plan
Book a Session →
Life-First Blueprint™
One plan.
Built around your life.
  • Complete retirement planning engagement
  • Five movements, approximately seven sessions
  • Income, tax, pension, insurance, estate — coordinated
  • Four documents: Life Score™, Vision, Gap Analysis, Plan
  • Two semi-annual reviews per year, ongoing
  • Best when you need a plan, not just an answer
Learn about the Blueprint →
Ready to get a straight answer?

One session.
One clear recommendation.

Book an Advisory Session and come with your question. We'll come prepared with everything we need to give you a real answer — not a list of things to consider.

Book an Advisory Session
$450/hr · 60-minute minimum · In-person or virtual · Written summary included