Financial planning programs

The right program
for where you are.

Every engagement uses the same KAIZEN planning process and the same standard of work. The program reflects your current financial stage — not how much attention you receive.

Comprehensive programs

Three programs.
One standard of work.

Program 01
Wealth foundation
Building a Foundation
For high-income professionals in the early stages of building wealth. You've incorporated, you're earning well, and you want to ensure every dollar is working as hard as you are from the start.
  • Corporate structure review and optimization
  • Tax-efficient compensation strategy
  • RRSP, TFSA, and corporate savings plan
  • Insurance needs analysis
  • Debt management and cash flow planning
  • Goal-setting and retirement projection
For incorporated professionals beginning to accumulate assets
Program 02
Wealth acceleration
Securing the Future
For professionals with $1M+ in investable assets earning $250,000+. At this stage, the financial plan must address corporate and personal structures simultaneously — and the cost of not having one becomes material.
  • Comprehensive corporate and personal plan
  • Retained earnings strategy
  • Advanced tax reduction planning
  • Corporate-owned insurance structures
  • Investment policy and asset allocation review
  • Retirement income modelling
  • Estate and succession planning framework
$1M–$5M in investable assets · $250K+ income
Program 03
Wealth preservation
Preserving Wealth
For those who have built significant wealth — $5M+ in liquid investable assets — and require a plan that addresses intergenerational transfer, corporate optimization, and ensuring that wealth endures intelligently.
  • Full corporate and family wealth review
  • Estate freeze and intergenerational transfer
  • Family trust structures
  • Charitable giving strategies
  • Business succession and exit planning
  • Advanced insurance and legacy planning
  • Ongoing annual plan reviews
$5M+ in liquid investable assets
À la carte plans

Focused plans for
specific needs.

If a comprehensive engagement isn't the right fit for your current stage, our à la carte plans address a single dimension of your financial life with the same rigour.

Retirement plan
Determine the age and income at which you can realistically retire from practice or business.
Tax plan
Ensure you are paying the minimum amount of income tax required by law — no more.
Insurance plan
Determine whether you have the right type, amount, and structure of insurance coverage.
Estate & wealth protection
Preserve the value of your estate and ensure it passes to your heirs as you intend.
Employee profit sharing
A CRA-approved structure allowing business owners to share profits in a tax-effective manner.
Advanced pension plan
A significant upgrade to a business owner's RRSP — the Individual Pension Plan structure.
Retirement compensation
A CRA-approved solution for affluent professionals, business owners, and corporate executives.
Education plan
Determine whether you have the resources to fund your child's post-secondary education.
Investment review
Assess whether your investment portfolio is properly structured and diversified for your goals.
The process

The KAIZEN Financial
Planning Process™

01
Awareness
Understand where you are and where you want to go
02
Discovery
Full financial inventory — assets, liabilities, income, goals
03
Engagement
Establish the relationship and planning priorities
04
Proposal
Comprehensive strategy tailored to your situation
05
Commitment
Align on the plan and formalize the engagement
06
Planning
Implement across all dimensions of your financial life
07
Delivery
Ongoing review, adaptation, continuous improvement

Not sure which program
is right for you?

Book a complimentary 30-minute consultation. We'll tell you honestly which program fits your situation — or whether an à la carte plan makes more sense.

Book a consultation
service@evernorthwealth.ca  ·  (888) 425-7757