The future of Financial Planning

Holistic, affordable fee-only financial planning services. Powered by Canada’s most advanced financial planning tools and technologies.

Why fee-only Financial Planning?

Many Canadians assume their financial advice is low-cost because the fees are often tucked inside their investment products. If you are with a conventional firm, you are likely paying 1% or more of your total portfolio every year — not for the investments themselves, but specifically for "advice."On a $500,000 portfolio, that is $5,000 a year, regardless of whether you spoke to your advisor once or twenty times. Over 30 years, accounting for money compounding, this annual loss equates to over $540,000 compared to a fee-for-service model with a triennial plan review structure.It is akin to an accountant charging you a percentage of your total income rather than a fee for the work required to file your return. As your wealth grows, your fee increases automatically, even if the complexity of the work stays the same.Fee-only planning fixes this. By replacing asset-based percentages with a transparent, fixed fee, you only pay for the expertise you actually need. This ensures your advisor’s goals are perfectly aligned with yours — objective, honest, and focused on your growth.

Who are we?

We are a new kind of fee-only financial firm. As a social enterprise, we don't exist to maximize profits; we exist to democratize elite-level advice. In fact, we currently operate on an at-cost basis, reinvesting efficiency gains directly into lowering fees for you.

Our advisory team is based out of Ontario and is comprised exclusively of experienced Certified Financial Planners™.

We minimize data collection and use military-grade AES-256 encryption in our internal processes.

We operate 100% virtually and use the latest technological tools to streamline the financial planning process.

The financial Planning process

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Initial Discovery: Book a free 15-minute virtual consultation. This ensures our fee-only model is the right fit for your specific financial situation before any commitment.

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Service Selection: Choose the planning tier that best suits your needs and complete your purchase through our secure payment portal.

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Digital Intake: Action our digital intake survey to provide your preliminary financial information and sign the formal planning agreement.

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Discovery Session: Schedule your 90-minute financial planning discovery session. We’ll discuss your goals in depth and conduct a line-by-line data review.

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Interactive Presentation: Within 10 business days of your session, we will contact you to host a 60-minute interactive virtual presentation of your completed financial plan.

Services & Pricing

Financial Plan (Invididuals) - $500

A bespoke, all-inclusive financial strategy designed to grow, protect, and simplify your wealth. This comprehensive plan covers your investments, retirement, tax strategies, insurance, and more.

Financial Plan (Couple) - $625

A bespoke, all-inclusive financial strategy for two individuals, designed to grow, protect, and simplify your combined wealth. This comprehensive plan includes everything in the individual service, with the addition of income-splitting strategies and other elements unique to couples.

Advisory Meeting (60 minutes) - $150

A flexible 45-minute session with a tenured financial planner to discuss the financial matters most relevant to you. Topics can include general investment guidance, banking strategies, retirement planning, insurance, budgeting, or second opinions on financial decisions. Ideal for clients seeking targeted, expert advice without committing to a full financial plan.

Contact Details

Questions?

Please email us directly if you have any questions beyond the F.A.Q.

What does the Financial Planning process look like?
We follow a streamlined approach to ensure your plan is both comprehensive and actionable:
  1. Introductory Call: A short, 15-minute conversation to outline the scope of services and confirm we are the right fit.
  2. Discovery Meeting: A 90-minute virtual session to explore your goals, priorities, and full financial picture.
  3. Plan Delivery & Review: A 60-minute walk-through of your custom plan to make adjustments and answer all questions.
What information do I need to provide?
Following our introductory call, we will send you a secure, encrypted data collection questionnaire. Requirements vary, but we do not require actual documents—only the relevant information within them. All data is exchanged via a secure portal with enterprise-grade encryption.
Is my information safe?
Yes. All data and your completed plan are shared through a secure platform powered by Conquest Planning. We do not ask for sensitive identifiers like Social Insurance Numbers (SIN) or account numbers. Your data is stored on the portal for 12 months; any other information collected is erased immediately following plan delivery.
How long does the process take from start to finish?
Typically, the full process takes about two weeks, provided there are no delays in gathering information such as pension details or investment statements.
Do you serve business owners or complex financial situations?
Currently, fPlan focuses on conventional financial plans to keep our pricing model accessible. We do not offer tailored services for business owners, multiple rental properties, or out-of-country investment vehicles at this time. We will verify if we can assist with your specific situation during our initial 15-minute call.
What if I have questions or need changes after the plan is delivered?
You will have interactive access to your plan on the client portal for 12 months. If you have questions, feel free to reach out. To re-open and update a completed plan within that 12-month window, a fee of $250 applies. After 12 months, standard planning fees apply.
Can we meet in person?
fPlan is based in Ottawa, Ontario, but we operate entirely virtually. All meetings are conducted via Microsoft Teams to provide flexible service regardless of your location.
How do I pay for your services?
If you decide to proceed after our intro call, we will issue an invoice. Payment is made via credit card and is required in advance of the Discovery Meeting.
Do you serve Quebec residents?
At this time, we serve all Canadian provinces and territories except Quebec due to specific provincial regulatory and licensing requirements.
How are you compensated?
fPlan is a fee-only firm. 100% of our revenue is derived from the flat fees we charge our clients. We do not accept commissions, referral fees, or any other form of third-party compensation.