Three conversations, in order. Each one builds on the last, and you can stop after any of them.
The first meeting is about your goal, not your portfolio. What does "on track" actually look like for you — a retirement date, an income floor, a purchase, protecting your family if something happens to you? We put that into plain, specific terms before anything else happens.
Next, a factual snapshot of where things stand today: current accounts (RRSP, TFSA, non-registered, employer plans), existing insurance coverage, and cash flow. Nothing is assumed or estimated — bring statements and policy summaries, and we work from what's actually there.
With both of those in hand, you get a specific, written recommendation that connects where you are to where you want to be. It's yours to keep. Whether you act on it with us, act on it elsewhere, or don't act on it at all is entirely your call — the plan doesn't come with strings attached.