Client Services

What do you need and want?

Have you ever gone to an accountant, lawyer, financial planner, or other professional for advice, and come out of the meeting thinking that you just weren’t on the same page? It’s happened to me before, both as a professional and as a client. That’s why it’s critical for me to understand clearly what you, as my client, need. I need to hear what you’re saying, and not make any assumptions about what you need. The list of services I offer follows.

But first, we’ll talk about what you need and want.


What Services Do I Offer?

As a CFP professional and your Fair Winds Financial Coach, I offer fee-only financial and retirement planning, and coaching advice. This is an advice-only practice, meaning I do not sell any financial, investment or insurance products.

I want to work with clients who see the need for unbiased advice to help them identify, work toward, and achieve their goals.

All prospective clients receive a complimentary initial consultation meeting, in person, by video conference, or by phone. Think of this part as us sitting at your kitchen table having a chat over coffee or a beer. Let’s talk first about what you need, and then we’ll see how I can help. This initial meeting also lets us see if we’ll be a good fit to work together.

Consultation Icon Financial Consultation

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

I can help you answer questions in these and other related areas.

Fees for these consultations are billed at the rate of $40 plus HST for each 15-minute time segment.

Book a Financial Consultation

Coaching Icon Financial Coaching

My experience has shown that most financial plans fail because they aren’t carried out. They may be great plans, but if they’re not put into operation, they can’t succeed. I can help you with that, by providing ongoing support and implementation.

Situations and needs differ, but fees for this service would usually be in the range of $150 to $300 plus HST per three-month period.

Book a Consultation

Planning Icon Financial Planning

A full financial review, resulting in a detailed, written plan that covers all aspects of your current financial situation and outlines the steps required to achieve your life goals.

The steps involved in the preparation of a full plan are:

  • Initial consultation as described above
  • Meeting to discover what is important to you, what currently keeps you up at night, 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

The fee would be in the range of $1,500 to $4,000 plus HST, depending on the complexity of the situation.

Book a Planning Consultation