Our Process


Step 1 – Initial Meeting

This is a 60 to 90 minute meeting where the client can ask any questions they wish. As well, we complete an eight page questionnaire of information regarding the clients’ current situation and future goals and objectives. There are no costs or obligations associated with this meeting.

Clients are encouraged to bring the following items to the initial meeting:

  • Most recent investment statements showing specific investments held in all RRSP / Non-registered / TFSA / RESP accounts
  • Recent pay stubs or estimates of pay before and after deductions
  • Most recent tax return
  • Last 2 notices of assessment from the Canada Revenue Agency
  • Approximate breakdown of current monthly expenditures (budget)

While many documents can be provided after the initial meeting it is best to bring as much information as possible.

By the end of the first meeting we can determine whether or not to proceed to the next step which will be the preparation of your personal financial plan. Please note that because we spend approximately ten to fifteen hours preparing your financial plan, our fee to prepare a comprehensive financial plan begins at $1,000.


Step 2 – Personal Financial Plan Presentation

Usually held 14-21 days after the initial meeting, this session lasts approximately 90 minutes. We will present and walk through the financial plan with you in detail, answering any questions you may have along the way. The plan is then yours to take home and review at your leisure. We encourage you to call if you have any questions or would like any modifications. When you have decided whether or not you wish to proceed with the plan (or a modified version), simply contact our office and we will take care of all the required paperwork.


Step 3 – Implementing Your Financial Plan

You may implement your plan through your existing advisors or through the services of our firm. Should you decide to proceed with our firm, we will set up a time to meet to sign the required documents. Remember, we will prepare all the necessary paperwork to ensure a smooth and timely transfer of your investments and implementation of your plan.

Give me a call, 416-227-9800, for a free consultation.

“Plans are of little importance, but planning is essential.” - Winston Churchill

“In preparing for battle, I have always found that plans are useless but planning is indispensable.” - Dwight Eisenhower

Insurance products and Financial Planning services are offered through P & K Financial Inc. Mutual Funds are offered through Manulife Securities Investment Services Inc. Banking products and services are offered by referral arrangements through our related company Manulife Bank of Canada.

Manulife Securities related companies are 100% owned by The Manufactures Life Insurance Company (MLI) which is 100% owned by the Manulife Financial Corporation a publicly traded company. Details regarding all affiliated companies of MLI can be found on the Manulife Securities website www.manulifesecurities.ca. Please confirm with your advisor which company you are dealing with for each of your products and services.