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?
- 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 credentials as a CPA, CA and CFP with a personal approach that recognizes that we are all unique, and deserve to be respected for that and treated accordingly.View Services
“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.Read More About Bob
Service and Fee Structure
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
Consultations are billed at the rate of
$40 per 15 minute time block plus HST
Book a Planning Consultation
Most financial plans fail because they aren’t carried out. I can help you with that, by providing ongoing support and implementation we can achieve your financial goals together.
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.
Bob Joyce, CPA®, CA®, CFP®
Book a 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.
I first met Beryl, a woman in her 60s and a new tax client, about a year after her husband, George, died. We sat at her dining table amidst a sea of papers and prior years’ tax returns. She had a wonderfully dry, self-deprecating sense of humour and she had me hooked within the first…Continue Reading
A few years ago, I had a gym membership with a large chain. One day, the gym offered an assessment and six one-on-one sessions with a personal trainer, all free. Thinking it was time to update my routine, I accepted. Following the free sessions, we sat down to review my progress and discuss a personal…Continue Reading