Make sense of your money, take charge of your life.
I specialize in working with millennial entrepreneurs and parents; and anyone who is ready to dig their heels into building financial confidence and savvy.​
The first step: a no-obligation consultation call to introduce yourself and ask questions. Let's see if we're the right fit to make some money magic happen together.
The MakeCents process involves tailored financial planning coupled with comprehensive financial literacy.
The intention is to deliver strategic solutions while simultaneously boosting your ability to engage in meaningful conversations about money. Clients walk away with the confidence to maneuver their finances in a way that is intentional and controlled.
The Money Masterplan
There is no single path to financial freedom. I tailor a roadmap built for YOU.
The Money Masterplan is a functional cash flow projection tool with additional financial modelers curated to suit your needs and goals.
Financial Planning Packages
I've compiled a selection of service packages that is flexible enough to incorporate a full range of service needs.
If you prefer to DIY, the standalone Money Masterplan will set you up with a solid framework to guide your efforts on the right path.
The Signature and VIP Packages provide a high-touch engagement for individuals who seek more thorough support and comprehensive planning, as well as ongoing access to me on retainer.
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Ready to get started?
1
Money Masterplan
$900
60-min Discovery Call
Deep dive into your numbers, goals and concerns.
Money Masterplan
Customized cash flow plan built around your needs & goals. This is a functional (non--static) & editable tool.
Financial Projections
Built-in financial calculators to help you determine savings goals and forecast investment growth.
Advice & Recommendations
Written review of your goals, solutions, and actionable steps towards successful execution.
2-hr Plan Review
Thorough review of all deliverables, suggested strategies, recommended actions, and next steps.
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Summary:
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3 hours of one-on-one planning.
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Deliverables & resources as detailed.
2
Signature Package
$1,450*
The Money Masterplan
Includes the FULL Masterplan delivery process, as detailed.
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TWO (2) Strategy Sessions**
Additional 60-90 min sessions to deep dive into further planning aspects together. Book at your convenience, no expiry date.
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Text Support on Retainer (1 year)
On-demand access to me via WhatsApp to keep you cared for and supported in between sessions. Ask me anything, any time. Exclusive to planning packages only.
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**Additional ad hoc sessions available at $300 each.
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Summary:
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Up to 6 hours of one-on-one planning.
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At least 1 year of text support.
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Deliverables & resources as detailed.
*Payment plan available:
$400/m x 4 months
3
VIP Package
$2,200*
The Money Masterplan
Includes the FULL Masterplan delivery process, as detailed.
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FIVE (5) Strategy Sessions**
Additional 60-90 min sessions to deep dive into further planning aspects together. Book at your convenience, no expiry date.
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Text Support on Retainer (2 years)
On-demand access to me via WhatsApp to keep you cared for and supported in between sessions. Ask me anything, any time. Exclusive to planning packages only.
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**Additional ad hoc sessions available at $300 each.
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Summary:
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Up to 10 hours of one-on-one planning.
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At least 2 years of text support.
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Deliverables & resources as detailed.
*Payment plan available:
$400/m x 6 months
What's covered in a strategy session?
Everyone’s needs and financial priorities are different. It is at your own discretion what we focus on during these sessions.
As your Financial Planner, I am prepared to dive into a wide array of financial topics during our calls. Below is a non-exhaustive list of typical conversations and planning scenarios we can work through during individual sessions and our overall time together.
Cashflow Planning
Updating your spreadsheet together to reflect changes to your financial circumstances; stress-testing various financial goals against your income and expenses; determining your 'financial runway' for periods of low- to no income; assessing affordability of various scenarios.
Goal Mapping
A quantitative + qualitative assessment of: buying a home; starting a family; going back to school; starting a business; taking time away from work; moving away from Canada; etc.
Debt Management
Optimizing current debt allocations to mitigate interest charges; planning out debt repayment strategies and timelines; reviewing your credit score and methods to improve it; reviewing financing options available to you; weighing the merits of taking on new debts for various goals (to invest, to finance a project, to consolidate other debts).
Retirement Planning
Pricing out your retirement needs; calculating required savings; review of workplace retirement and pension benefits; understanding federal pensions (CPP, OAS); assessing the impact of inflation; optimizing sources of income; discussion of retirement strategies.
Investment Planning*
Understanding various investment products and account types; navigating online platforms for self-directed investing; assessing risk tolerance; reviewing and/or generating investment projections; review of current investments; discussion of investment strategies.
*I am not licensed to provide specific investment advice. I do not personally manage your investments and will not recommend specific stocks or funds to purchase.
Sole Proprietor Support
& Tax Preparation*
How to price your services; invoice your clients; organize business finances; track and categorize business expenses; understanding HST/GST; assessing the merits of incorporation. I will also help you prepare and file your taxes.
*I will prepare your filing using complimentary online software (via Wealthsimple) which you maintain account ownership of. Your business/rental expenses will be appropriately claimed and your overall tax filing optimized, and then I will review everything with you line-by-line in great detail. I am not a licensed Accountant and you are still personally responsible for ultimately hitting 'submit' on your return -- I am here to assist you with each step.
Insurance Planning*
Assessing personal insurance needs; reviewing in-force policies; education about how various products work for you; discussion of insurance strategies; unbiased product, price and value comparisons.
I am licensed (in the provinces of Ontario & Alberta) to sell and manage the following products:
Life insurance, critical illness insurance, disability insurance, travel insurance, health & dental insurance.​
*Insurance planning is a complimentary service. Conversations regarding insurance are entirely fee-free and do not require the use of a paid strategy session. As a licensed independent Insurance Advisor I am compensated via commissions paid by the insurer when a product is sold. I will never "double-dip" in the form of charging upfront fees or using your paid session time. All insurance-related meetings are complimentary to you.
What the FAQ?
What's the value in purchasing a planning package versus the standalone Money Masterplan and then adding ad hoc sessions later?
By purchasing the Signature or VIP package, your strategy sessions are priced at a bundled discount and you are granted the additional benefit of having ongoing access to me on retainer -- a privilege that is not available for those purchasing one-off sessions.
What's the value of having access to you on retainer?
This is often the aspect clients find most beneficial since you're able to extract a lot more support from me via ongoing text conversations, versus strictly within the time constraints of a scheduled strategy session. Over the course of a year or two (depending on your package) we're talking about hours (not just minutes) of extra support with absolutely anything that is on your mind.
What are the standard payment options?
Planning packages are priced to provide greater support for less than the cost of the equivalent combined components priced individually.
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Ad-hoc Strategy Session: $300 pay in full, one-time charge.
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Money Masterplan: $900 pay in full, one-time charge.
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Signature Package: $400/m x 4 months.
Equivalent to paying only $100 more than the Money Masterplan + two ad-hoc sessions for the sake of having me on retainer for one year. Absolutely worth it. -
Signature Package: $1,450 pay in full, one-time charge.
Save an additional $150 compared to the monthly payment plan. We love a deal. -
VIP Package: $400/m x 6 months.
Equivalent to paying for the Money Masterplan + five ad-hoc sessions and then having me on retainer for two years for FREE. No brainer. -
VIP Package: $2,200 pay in full, one-time charge.
Save an additional $200 compared to the monthly payment plan. Truly a steal.
I purchased the standalone Money Masterplan, but I'd like to upgrade to a planning package.
We can make that happen. You can upgrade to a planning package which will be priced based on the cost difference between what you paid for the Money Masterplan and the total cost of the desired package at its monthly payment plan rate.
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Upgrade to Signature: $700 payable in 2 instalments of $350.
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Upgrade to VIP: $1,500 payable in 4 instalments of $375.
GET IN TOUCH
Let's find out how we can work together.
