What a coordinated plan
actually changes.

Gordon and Theresa came in to ask whether they could afford to help their grandchildren with tuition. They left having found roughly $5,000 a year that had been leaking out of the household for six years through a form nobody had ever filed — and a second decision that was about to close for good.

Robert had already decided: he was taking CPP at 61, and he felt guilty about it, because he had read that starting early would cut what Sandra received after he was gone. That part was not true. What was true sat somewhere else entirely.

Winston built the wealth. Yvonne managed everything. When she died, he had a shoebox of statements and no idea where to start. Here's what we found — and what we fixed before it became his children's problem.

Diane had never lost money in thirty years of investing. Two years from retirement, one question about what happens when you draw down during a downturn changed her entire portfolio structure — and confirmed her retirement date.

Joseph and Margaret came in for retirement planning. They had no idea that a favour they did for their son two years earlier had put his home at risk — and they wouldn't have known if nobody had asked.

Two incorporated professionals built decades of wealth inside their corporations. When they finally ran the numbers, they were looking at a 47% extraction rate and an investment fee structure quietly eroding seven figures across retirement. Here's what changed.

Patricia came in for general retirement planning and did not know she had two years left to make a decision that would change everything — for her and for her son.

A DB pension commuted-value window was closing, three accounts sat at three institutions, and two advisors had never spoken to each other. Nobody had ever looked at the full picture at the same time.

Sébastien and Lise had saved well and retired on schedule — but without a drawdown strategy, they were spending conservatively out of fear and unsure whether they could afford the retirement they'd actually planned for.

High income, strong savings rate — but no estate plan, over-insured on permanent life, and no strategy connecting their corporation to their personal retirement timeline.