Our Services

Optimize Your Pension: Expert Guidance for Your Financial Future
Analysis

Schedule a consultation to explore your pension plan in detail. We will determine if transferring your pension to one of our recommended managers is the right choice for you. During this session, we will offer personalized insights and guidance tailored to your specific circumstances. The consultation includes: 

  • A thorough review and discussion of your pension plan.
  • A list of three money managers tailored to your needs.
Money Managers​

We provide access to top professionals and a variety of investment approaches and ensure they align with your financial goals. What are your preferences?

  • SRI: Socially responsible impact investing.
  • Canadian dividend: Focusing on predictable, growing income from well-known companies.
  • Global Growth.
  • Global Dividends.
  • Managed ETF Approach.
  • A component of fixed income, making it less volatile.
Financial Planning ​

Our pension planning management services include access to unlimited financial planning services from Smarter Financial Planning. We will help you find answers to important questions regarding your financial future, including:

  • When can I quit?
  • How much can I spend without risking my financial future?
  • How do I minimize income taxes?
  • When do I start collecting CPP and OAS?
  • Which accounts do I draw from and when?
  • How to mitigate the tax implications when commuting my pension.
  • Do different pension amounts require varying planner time?
  • Simplifying the estate planning the process.
  • We provide objective, qualified solutions to your finances.
Fee Structure

We are objective planners.  For this service, we will provide one hour of our time, at a cost of 250$ +GST. 

We are not commissioned product salespeople. We sell information so customers can make informed decisions.

Clients who take advantage of our pension planning management services pay a minimal management fee. As your assets grows your fees decrease.

By choosing a recommended money manager, you will gain access to unlimited expert-level financial planning from Smarter Financial Planning.

If you opt not to select a recommended money manager, you can still receive financial planning services from Starter Financial Planning for an additional fee.