You are earning well. Your plan is not keeping up.
Most families have insurance from one place, investments from another, and a retirement plan they have not looked at in years. The pieces exist. The structure connecting them does not. That is what we build.
10 minutes. No login required. We map your insurance, investments, and retirement trajectory in one place.
If any of this sounds familiar
These are the patterns we see in almost every family that walks through the door. The individual pieces are fine. The problem is that nobody has connected them.
You have insurance but you do not know what it actually covers
Most families have a group benefits plan through work and assume it is enough. It is not. Group life insurance is typically one to two times your salary. If your household expenses are $7,000 a month and your group coverage pays out $150,000, that money runs out in less than two years.
Your investments are scattered and nobody is watching them
An RRSP at one bank, a TFSA at another, a group pension from a previous employer, and a savings account earning less than inflation. Each one was opened for a reason that made sense at the time. Nobody has looked at all of them together to see if they are actually working toward the same goal.
You are saving but you have no idea if it is enough
You contribute to your RRSP every year and feel responsible doing it. But you have never run the numbers on what retirement actually costs, what CPP and OAS will cover, and what the gap is between those numbers and your current trajectory. The gap is almost always larger than people expect.
Nobody has ever sat down and looked at the full picture
Your insurance professional knows your insurance. Your bank knows your mortgage. Your accountant knows your tax return. Nobody knows all of it. The gaps between those conversations are where the real risk lives.
Three areas where most families are exposed
Protection, growth, and income. If any one of these is missing or misconfigured, the other two are at risk. We look at all three together because that is the only way the math works.
Life Insurance
If you died tomorrow, could your family keep the house? Most families carry a mortgage, two car payments, and childcare costs that require two incomes. Life insurance is not about your death. It is about their mortgage payment the month after.
Living Benefits
You are insured against dying. Are you insured against surviving? One in two Canadians will develop cancer. One in three will be disabled for 90 days or more before age 65. Provincial health care covers the hospital bed. It does not cover your mortgage, your groceries, or your kids' activities while you recover.
Segregated Funds
Mutual funds grow your money. Segregated funds grow your money with a guarantee that you will get 75% to 100% of your principal back at maturity or death, regardless of what the market does. They also bypass probate and offer creditor protection in certain circumstances. You pay a higher MER for that. Whether the trade-off is worth it depends on your situation.
How this works in practice
We start with a Financial Snapshot. You answer questions about your household income, existing insurance, investments, debts, and retirement goals. It takes about 10 minutes and does not require any documents upfront.
From that snapshot, we build a picture of where you stand and where the gaps are. If your life insurance is short, we show you by how much. If your retirement savings are off track, we show you what the gap costs per year of delay. If your investments are scattered, we show you what consolidation looks like.
If changes make sense, we build a prioritized plan and walk you through it. If your current setup is working, we tell you that too. There is no pressure to buy anything. The goal is a plan that makes sense, not a product sale.
01
Financial Snapshot
10 minutes. No documents needed. We map your insurance, investments, debts, and retirement trajectory.
02
Gap Analysis
We show you exactly where you are exposed and what it costs to close each gap.
03
Prioritized Plan
A ranked list of actions based on impact and urgency. You decide what to act on and when.
Run the numbers yourself
Before we talk, see where you stand. These calculators give you a starting point based on your actual household numbers.
This is built for a specific type of family
You are a dual-income household earning $100,000 or more combined
You have a mortgage, kids, and financial obligations that depend on both incomes
You have some insurance through work but you are not sure if it is enough
Your investments are in multiple places and nobody is looking at them together
You want a plan that connects protection, savings, and retirement into one strategy
You are looking for a planning firm, not a product pitch
This might not be the right fit if
You are looking for the cheapest policy available. We build plans around coverage needs, not price alone.
Your household income is below $60,000 combined. At that level, group benefits and government programs may be sufficient and our planning fees may not make sense.
You want someone to manage your investments without a broader plan. We coordinate protection, savings, and retirement together.
You are not ready to share your financial information. We need real numbers to build a real plan.
What this looks like in practice
These are composite scenarios based on common patterns we see with Canadian families. Details are anonymized. No two situations are identical, but the gaps tend to repeat.
Dual-income family, two kids under 10
Situation
Combined household income above $180,000. Mortgage of $520,000. Group life insurance through both employers covering roughly 2x salary each. No individual life or critical illness coverage. RRSP contributions happening but no coordinated retirement projection.
The Gap
Group coverage would replace income for about 18 months. With a mortgage, childcare, and two car payments, the household needed roughly 8 to 10 years of income replacement to get the youngest through high school. The gap between what they had and what they needed was over $1 million.
What We Addressed
We mapped the full coverage gap, layered term insurance to match the declining obligation timeline, and added critical illness coverage for the higher earner. Ran a retirement projection that showed their current savings rate would leave them short by roughly $400,000 in today's dollars. Adjusted the RRSP and TFSA allocation to close the gap over 20 years.
Single parent, one dependent, mid-career
Situation
Household income around $95,000. Mortgage of $340,000. No group benefits (self-employed contractor). No life insurance. No disability coverage. RRSP contributions sporadic. No will or estate plan.
The Gap
If this person could not work for six months, there was no income replacement at all. If they died, the dependent would have no financial support beyond a small savings account. The entire household was one health event away from financial crisis.
What We Addressed
We structured a term life policy sized to the mortgage plus 10 years of income replacement for the dependent. Added individual disability coverage to replace 60% of net income. Set up a systematic RRSP contribution plan and connected them with an estate lawyer for a will and guardianship designation.
Couple in their early 50s, kids leaving home
Situation
Combined income above $200,000. Mortgage nearly paid off. Group benefits through one employer. RRSP and TFSA contributions maxed for years. No coordinated retirement income plan. Multiple investment accounts at different institutions.
The Gap
They were saving well but had never modelled what retirement actually costs. When we ran the numbers, their CPP, OAS, and current savings would cover about 65% of their target retirement income. The remaining 35% gap was not going to close on its own.
What We Addressed
Consolidated the investment picture into one view. Modelled retirement income from all sources including CPP timing optimization (delaying to 70 vs taking at 65). Identified that converting a portion of RRSP to a RRIF earlier could reduce the OAS clawback. Restructured insurance to shift from income replacement (no longer needed) to estate and final expense coverage.
These scenarios are anonymized composites for illustrative purposes only. They do not represent specific clients or guarantee specific outcomes. Every financial situation is unique. The strategies described may not be appropriate for all individuals. Past planning approaches are not indicative of future results. Consult with a licensed professional, accountant, and legal counsel before making financial decisions.
Find out where the gaps are before they find you.
The Financial Snapshot maps your insurance, investments, debts, and retirement trajectory in one place. It takes about 10 minutes and shows you exactly where you stand and what needs attention.
This information is provided for educational purposes only and does not constitute financial or insurance advice. Coverage needs vary by individual and household. Not every product is appropriate for every situation. Consult with a licensed professional before making decisions.