We all have our own story.
I’d like to hear yours.
If you find it hard to discuss – or even think about – your current financial situation and future plans, you’re not alone. But what if you could sit down with someone who will really listen to you, respect your unique circumstances, and offer unbiased expert help that is tailored to your goals and budget?
Ask Yourself…
- Do I feel the need to do “something” about my money management, but I’m not sure what to do or where to start?
- Do I want to talk with someone who will talk with me, not down to me?
- Would I benefit from some plain talk about my financial plans?
- Am I afraid to look at my bank and credit card statements?
- Have my financial goals changed as a result of COVID?
- Am I thinking about retirement?
I’ve been working with people professionally to assist them with their tax and estate planning, financial and retirement planning, and wealth accumulation and management for nearly 50 years. I combine my professional designations, as a CPA, CA, and CFP®, with a personal approach that recognizes we are all unique, and deserve to be respected as such and treated accordingly.
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“We don’t all wear blue suits.”
My dad had a saying, “We don’t all wear blue suits.”
Dad was born in Sydney, NS, so maybe it’s a Cape Breton saying. I think it is brilliant in its integrity and simplicity. When I asked him what it meant, he replied that everyone is different. It’s an idea my dad modelled in all his dealings with people, and it’s the way I have always strived to deal with others, both personally and professionally.
We don’t all wear blue suits. We all have our own attitudes and goals. We all have our own story. I’d like to hear your story. And I’d like to help you reach your goals.
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Service and Fee Structure
Financial Consultation
Consultation Services:
Not everyone needs or wants a comprehensive plan. You may want to focus on specific areas of concern, such as:
- Retirement planning
- Estate planning
- Insurance needs and review
- Cash flow management
- Debt management
- Portfolio management options available to you
Pricing
Consultations are billed at the rate of
$75 per 30 minute time block plus HST
Read more about my Financial Consultation Services
Book a Planning Consultation
Financial Coaching
Coaching
Most financial plans fail because they aren’t carried out. I can help you with that. By providing ongoing support and monitoring, we can achieve your financial goals together.
Pricing
Situations and needs differ, but fees for this service are typically in the range of:
$150 to $300 plus HST
per three-month period.
Read More About Financial Coaching Services
Book a Planning Consultation
Financial Planning
Financial Planning includes:
- Initial consultation with a full financial review
- Discussing what is important to you, what concerns you, and what your goals and objectives are
- Collect data required to establish your current financial situation
- Prepare and present a plan with specific recommendations to help you achieve your goals
I provide a detailed, written plan that covers all aspects of your current financial situation and outlines the steps required to achieve your life goals.
Pricing
Financial plans range from
$1,500 to $4,000 plus HST
depending on the complexity of the situation.
Read more about my Financial Planning Services
Book a Planning Consultation
Bob Joyce
, CPA, CA, CFP®Book a Complimentary Initial Consultation
CPA – Chartered Professional Accountant To reduce confusion and provide clarity and simplicity of oversight to the accounting industry, in 2012 the over 40 different provincial and national accounting associations representing the three designations began negotiating a solution, and in 2014 agreed to merge under a single designation – members are now known as Chartered Professional Accountants (CPAs).
CA – Chartered Accountant The CA designation required an undergraduate degree in accounting plus three years of training in a designated accounting firm. To receive final certification students were required to pass a very challenging three-day exam known as the Uniform Final Evaluation. The CA designation is highly recognized internationally.
CFP® – Certified Financial Planner The Certified Financial Planner certification is recognized as a standard of excellence for personal financial planning. CFP® certification requires meeting experience and ethics requirements, successfully completing financial planning course work and passing the certification examination covering the following topics: financial planning principles, employee benefits planning, investment planning, income tax planning, and retirement and estate planning.
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